1. Credit cards with clear words "credit card" and "debit card" on the card face are credit cards;

The words "debit card", "savings card", "ATM card", "maestro" and "cirrus" on the card face are clearly marked as debit cards.

2. Credit card must have an expiration date.

3. The credit card number is embossed. Debit cards are printed in print and relief.

4. On the front of the credit card, there is the Chinese Pinyin of the cardholder's name, and some have the gender of "Mr" and "Ms". Debit cards may not be available.

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

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

7. Counter-inquiry. Go to the nearest bank counter with your bank card.

A credit card is a credit certificate issued by a commercial bank or a credit card company to eligible consumers. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

Extended data

Compared with ordinary bank savings cards, the most convenient way to use credit cards is for ordinary consumption, and there is no cash in the cards. In many cases, it is enough to return the consumption amount on time.

1, there is no deposit for overdraft consumption, and you can enjoy an interest-free period of 20-56 days. Repayment can be made on time without any charge (most banks will charge 0.05% interest and 2% handling fee on the day of withdrawal, while ICBC will charge no handling fee but interest).

2. It is not only safe and convenient to swipe your card when shopping, but also a bonus gift.

3. Special merchants who hold cards in banks can enjoy preferential treatment.

4. Accumulate personal credit, add a credit record to your credit file, and benefit for life.

5. Access to the whole country is barrier-free, and you can withdraw money or spend money by credit card on ATMs and POS machines with UnionPay logo; (Note: Credit cards are only suitable for credit card spending. It is best not to withdraw cash, which is expensive and uneconomical. )

6, credit card consumption, some credit cards get existing points, a variety of discounts and sweepstakes throughout the year, so that you can always have surprises as long as you use the card; (Most credit cards have no points for online payment, but online payment is very convenient and fast. )

7. Mail the statement free of charge every month, so that you can grasp every consumer expenditure transparently; (Now advocating environmental protection, you can cancel the paper statement and change it into an electronic statement. )

8. Unique supplementary card function, suitable for husband and wife to jointly manage money or master children's financial expenditure.

9. The free choice of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB.

10,400 telephone or 5-digit short number with prefix 9 provides 24-hour service, and loss reporting takes effect immediately, with zero card loss risk.

Baidu encyclopedia-credit card

Baidu encyclopedia-savings card