1, different categories. Staging card is an automatic staging card introduced by the bank for consumption; Ordinary credit cards are credit consumption cards undertaken by banks.

2. The quota regulations are different. The amount of installment cards is generally high, usually 654.38+ 10,000; The credit card limit depends on the grade. The higher the level, the better the cardholder's personal comprehensive qualification and the higher the loan amount in the card; Usually, the average credit card limit is only a few thousand dollars.

3. The provisions of bill installment payment are different. When the cardholder's installment card consumption reaches the specified amount, the system will automatically handle the installment; However, when using a credit card, there will be no automatic installment, and the cardholder needs to apply to the bank for installment payment after spending.

2. Credit card processing flow

1. Credit card processing at bank outlets:

Users can choose the bank they want to apply for, bring their ID cards directly to the bank outlets, and then inform the bank lobby manager that they need to apply for a credit card. At this time, the lobby manager will give you a credit card application form, fill in the information according to the requirements of the form, then take the number at the number machine, wait for the counter to call their number, and then go to the counter to submit the application form and personal ID card to the staff. After the submission is successful, the staff will handle it for the user and wait for the audit result.

2. Bank official website handles:

Now every bank has its own official website. Users can visit the official website of their own bank, then find the credit card section on the homepage, click Enter, select the type of credit card they want to apply for, submit their application materials according to the page prompts, and then wait for the audit results.

3. The staff to handle:

Users can call the customer service phone of the bank credit card center and tell them that they need to apply for a credit card. I hope there will be staff to assist them. At this time, the bank will arrange the corresponding staff to handle it, and only need to handle it according to the requirements of the staff and submit the application.