Bank debit card gold card and credit card gold card belong to the category of non-cash electronic payment tools, whose function is to convey payment instructions to the payee and payer, and are the carriers of monetary fund transfer and creditor's rights and debts settlement. They are indispensable in providing people with efficient, convenient, safe and flexible payment and settlement services.
In the bank card family, generally speaking, the credit card gold card belongs to the credit card category and the debit card gold card belongs to the debit card category. The essential difference between credit card and debit card lies in whether these two types of cards have the function of consumer credit. As for their name suffixes, they all have the word gold card, which is classified according to the level of bank cards, that is, gold cards and ordinary cards.
The credit card gold card has the characteristics of consumer credit, that is, it can be overdrawn, and it can be repaid after consumption, while the debit card gold card does not have this characteristic. Specifically, the credit card gold card has a revolving credit line, and China's card-issuing banks generally give cardholders an interest-free period of up to 60 days. As for the credit limit of the cardholder, the bank will check it according to the credit status, usually short-term, small-amount, non-designated credit, no mortgage guarantee, and of course there are minimum repayment requirements.
In addition to the circulating credit function, the credit card gold card has the same settlement function as the debit card gold card in cash deposit and withdrawal, transfer and online payment. Although the debit card gold card has no overdraft function, cardholders can use the debit card to handle a large number of value-added services such as wealth management, foreign exchange trading and payment.
In addition, how to choose a bank card is also very important. You should first understand the types of bank cards, what functions each bank card has, and what needs you have, and then further understand the annual fee, interest rate, deferred payment and other details of credit cards. You should also read the bank card acquiring contract carefully and consider these factors comprehensively before making a choice.
The above is what I introduced to you about "What's the difference between a debit card gold card and a credit card gold card?" I hope this article I compiled is useful to you. Want to know more about credit cards, I suggest you pay attention to Jintou Credit Card!
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