Credit cards can be overdrafted,
debit cards cannot be used
Credit cards can be swiped without a password (available or not),
deposit cards You must need a password
If you have your own money in the credit card, current interest will not be calculated.
The money in the savings card will be calculated as current interest
Real credit card cash withdrawal ( Even if it is your own money, there will be a handling fee. The minimum is 10 yuan per transaction
For credit card overdrafts, the daily interest after maturity is 50,000 yuan
For credit cards The annual fee often ranges from tens to hundreds of yuan
The annual fee for a savings card is usually 10 yuan
Not everyone can have a credit card if they want to, and they need to provide proof of financial resources. It is equivalent to the short-term loan given by the bank to the cardholder, and also represents the level of personal financial resources. Debit card, gold card, platinum card, etc.
Debit card is also called savings card, and "debit" means "Deduction" means that the payment for the cardholder's consumption is deducted from his or her bank account. The cardholder spends the money in his or her account, and there is no credit consumption. The credit card is also called "credit card", and "credit" means "future payment". The cardholder can use his or her credit to obtain a certain period of revolving credit from the card issuer. The cardholder borrows money from the card issuer and pays it once a month. bill. The most essential difference between credit cards and debit cards is the difference between "credit" and "debit".
Credit cards are divided into two categories: credit cards and quasi-credit cards based on whether a reserve fund is deposited with the card-issuing bank. A quasi-credit card refers to a credit card in which the cardholder must first deposit a certain amount of reserve fund as required by the card-issuing bank. When the reserve balance is insufficient to pay, the cardholder can overdraw within the credit limit specified by the card-issuing bank. Interest will be calculated from the date of overdraft. . Credit card holders can consume first and then repay within the credit limit given by the bank to the cardholder. There is no requirement to deposit a reserve when using this card. Deposits in quasi-credit card accounts accrue interest, while deposits in credit card accounts do not accrue interest. Credit cards generally have a laser anti-counterfeiting mark on the front, but debit cards do not. Credit cards must have an expiration date, but debit cards do not. Currently, all domestic credit card numbers are embossed, while debit card numbers are either flat-printed or embossed.
Debit cards can be opened as long as you have the capacity for civil conduct or have a guardian
ICBC
——
Peony Money Link Card (National ),
Peony Credit Card (Nationwide)
Peony Credit Card (Nationwide),
China Construction Bank
——
Longka Credit Card (Shanghai),
Longka Savings Card (Shanghai),
Longka Credit Card (Heilongjiang),
Longka Savings Card (Heilongjiang)
, Dragon Card Savings Card (Guangdong)
, Dragon Card Savings Card (Guangdong),
Long Card Credit Card (Xiamen),
Long Card Debit Card (Xiamen
men)
Dragon Credit Card (Hainan),
Dragon Deposit Card (Hainan)
Bank of China
p>
——
Great Wall Credit Card (Guangzhou)
Great Wall Credit Card (Hainan)
Great Wall Debit Card (Xiamen),
Great Wall Debit Card (Guangzhou)
Bank of Communications——
MasterCard (Guangzhou)
Visa Credit Card (Guangzhou),
Wanshishun Debit Card (Guangzhou),
Internet Debit, Pacific Credit Card (Hainan),
Pacific Debit Card (Hainan),
Debit card users (Zhengzhou),
Debit card users (Xiamen),
Pacific Debit Card (Shenzhen)
Agricultural Bank of China
p>——Credit card users (nationwide), Constellation card users (Guangdong Province), savings and cash card users (Guangzhou),
Debit card users (Xiamen),
White Jade
Lanka (Xiamen)
Golden Harvest Credit Card (Hainan)
China Merchants Bank
——
All-in-one card (nationwide
Guangdong Development
—Guangfa Credit Card (nationwide)
, GF Financial Link Card (nationwide)
Minsheng Bank
——
Minsheng Card Online Banking (National)
Shenzhen Development
——
Debit Card (National),
Debit Card (Hainan)
Hua Xia Bank
——Hua Xia Card (National)
Industrial Bank
——
Industrial Card (National),
Industrial Card (Xiamen)
China Everbright Bank
——
Sunshine Card (Nationwide)
, Sunshine Card (Xiamen),
Sunshine Card (Hainan)
China Postal Service
——
Postal Green Card (Guangdong),
Postal Green Card (Xiamen)
CITIC Industrial
——
Oriental Card (National), Oriental Card (Shenzhen)
Guangdong Rural Credit Cooperative——
Deposit Card (Guangzhou) ),
Guangzhou Commercial Development Bank
——
Deposit Card (Guangzhou)