You can identify it according to these methods:

1. Credit cards have clear words "credit card" and "credit card" on the card face;

The card face has clear words The words "debit card", "deposit card", "cash card", "MAESTRO" and "CIRRUS" are debit cards.

2. The credit card must have an expiration date.

3. Credit card numbers are all embossed. Debit cards are either flat-printed or embossed.

4. The front of the credit card has the Chinese pinyin of the cardholder’s name, and some also have the gender “MR” and “MS”. A debit card is not necessarily available.

5. There is a CVV code for online payment on the back of the credit card.

6. Call the customer service of the card issuing bank and ask whether your card is a debit card or a credit card.

7. Counter inquiry: take your bank card and go to the nearest bank counter to inquire.

A credit card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Extended information

Compared with ordinary bank savings cards, the most convenient way to use credit cards is that they can be used for ordinary consumption without cash in the card. In many cases, as long as Just return the consumed amount on schedule.

1. You can use overdrafts without deposits, and you can enjoy an interest-free period of 20-56 days to pay back on time without any interest charges (most banks will charge an interest of 50,000 cents on the day of cash withdrawal. There is also a handling fee of 2. ICBC cash withdrawals are free of handling fees and only charge interest).

2. Swiping your card when shopping is not only safe and convenient, but also provides points for gifts.

3. You can enjoy discounts when using the card at the bank's designated merchants.

4. Accumulate personal credit and add integrity records to your credit file, which will benefit you throughout your life.

5. It is accessible nationwide and you can withdraw money or make purchases by credit card at ATMs and POS machines with the UnionPay logo; (Note: Credit cards are only suitable for consumption. It is best not to withdraw cash. The cash withdrawal fee is very high. Very uneconomical)

6. Spend by swiping your card, some credit cards can collect existing points, and there are various discounts and lottery activities throughout the year, so you can always be surprised as long as you use the card; (most credit cards do not have points for online payment, But online shopping and payment are very convenient and fast)

7. Free monthly mailing of statements, allowing you to transparently control every consumption expenditure; (now promoting green environmental protection, paper statements can be canceled and changed to electronic statements) Bills)

8. The unique supplementary card function is suitable for couples to manage finances at the same time, or to control the financial expenditures of their children.

9. The free choice of one card and dual currencies is available all over the world. Overseas consumption can be repaid in domestic RMB.

10, 400 or the 5-digit short number starting with 9 is available 24 hours a day. Loss reports are effective immediately and there is zero risk of losing the card.

Baidu Encyclopedia--Credit Card

Baidu Encyclopedia--Debit Card