Is the so-called credit card a bank card? thank you ! !

a credit card is a kind of bank card.

Credit card is a non-cash transaction payment method, which is issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders don't need to pay cash when they use credit cards, and they will pay back when they settle accounts.

bank card refers to a credit payment tool issued by commercial banks (including postal financial institutions) to the society with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc.

bank cards include credit cards, which are a type of bank cards issued by banks.

bank cards are divided into credit cards and debit cards.

debit cards are divided into transfer cards, special cards and stored-value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption.

are credit cards the same as bank cards?

no. Bank cards include credit cards, check cards, ATM cards, charge cards and smart cards.

bank cards reduce the circulation of cash and checks, and make the banking business undergo fundamental changes due to the breakthrough of time and space restrictions. The application of bank card automatic settlement system will make a "no cheque, no cash society" become a reality. Bank card is the basic voucher for depositing money in the bank.

the relationship between credit card and bank card

from the explanation of the above terms, we can actually see that bank cards include credit cards, and credit cards are actually a type of bank cards issued by banks. Even this is included in the included relationship.

differences between credit cards and debit cards

bank cards are divided into two types: credit cards and debit cards.

debit cards are divided into transfer cards, special cards and stored-value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. A special card is a debit card used in a specific area and for special purposes (referring to uses other than department stores, restaurants and entertainment industries). It has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction. The difference between the two is as follows:

1. The main function is different from debit card: its main function is to deposit and withdraw cash and transfer money. There must be cash deposited in advance on the card, otherwise consumption payment cannot be made. Credit card: its main function is overdraft consumption. Banks wholesale credit lines according to personal credit status, and cardholders can spend first and then repay.

2. Debit card with different card difficulty: the application is very simple, and it can be obtained immediately without bank approval. Credit card: the application is complicated, the applicant needs to meet certain conditions and submit relevant materials, and the bank can only handle it after approval.

3. Debit card with the function of accumulating points: points cannot be accumulated. Credit card: You can accumulate points by spending, and the points can be exchanged for goods for free in integral mall.

Is a credit card a bank card?

Yes, under normal circumstances, bank cards are divided into credit cards and debit cards according to whether credit lines are granted to cardholders.

debit cards are divided into transfer cards, special cards and stored-value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. A special card is a debit card used in a specific area and for special purposes (referring to uses other than department stores, restaurants and entertainment industries). It has the functions of transferring money and depositing and withdrawing cash.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the issuing bank gives the cardholder a certain credit line, and the cardholder can spend first and then repay. Quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund according to the requirements of the bank, and when the reserve fund is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.

Extended information:

Commercial banks that have started credit card or debit card business can apply to the People's Bank of China for issuing joint/identity cards, special cards and stored-value cards; Commercial banks that have started RMB credit card business may apply to the People's Bank of China for issuing foreign currency credit cards. Commercial banks issuing joint-name cards, IC cards and stored-value cards for national use shall be reported to the head office of the People's Bank of China for approval.

branches and branches of commercial banks shall handle the bank card business approved by the head office of the People's Bank of China and file with the local bank of the People's Bank of China with the approval documents of the People's Bank of China and the authorization documents of its head office. Special cards and co-branded cards used in the distribution area of branches of commercial banks shall be reported to the local central branch of the People's Bank of China for the record with the authorization document of the head office of the commercial bank and the agreement between the two parties.

Baidu Encyclopedia-Bank Card

This is the end of the introduction about whether a credit card is a bank card and whether a credit card is a bank card or a credit. I wonder if you found the information you need?