What is the difference between a credit card starting with 62 and other cards?

What is the difference between a credit card starting with 62 and other cards

What is the difference between a credit card starting with 62 and other cards?

The credit card starting with 62 is a UnionPay standard credit card.

There are many credit card organizations, including VISA International, MasterCard International, America Express, Diners Club and JCB Japan International Credit Card Company (JCB). Other organizations don't start with 62, they have separate numbers to start with.

What is the difference between credit cards starting with 4691 and 6211?

Credit cards starting with 4691 are foreign currency credit cards that support Visa, and credit cards starting with 6211 are credit cards that support UnionPay.

What is the difference between credit cards starting with 62 and those starting with 43?

Cards starting with 62 are UnionPay-based cards, and credit cards starting with 43 are visa credit cards

Because they start with 43 It is a visa and UnionPay dual-currency card, not a UnionPay single-currency card. There are differences in the authorization and allocation of some rights and interests.

What are the characteristics of credit cards starting with 62?

Dear, according to your description, the card starting with 62 is a China UnionPay card. As for the characteristics, it is roughly a chip card and a magnetic stripe card.

What are the benefits of a credit card starting with 62

1. UnionPay standards are universally accepted

UnionPay standard cards are issued in accordance with China UnionPay’s business and technical standards and comply with ISO international standards. Cardholders can use them at any bank card acceptance point in the country, and ATMs and UnionPay authorized merchants in more than 140 countries and regions overseas enable easy withdrawals and card purchases.

2. Using cards abroad saves money and is affordable

With a UnionPay standard card, you can use the UnionPay online card to make purchases or withdraw money from ATMs abroad, and deduct foreign currencies in RMB to avoid multiple exchange losses. There is no need to purchase foreign exchange for repayment, and there is no need to pay currency conversion fees ranging from 1 to 2. ATM withdrawal fees are relatively low, and you have the opportunity to enjoy UnionPay promotions, which is convenient and affordable.

Can I apply for a credit card from Ping An of China? What is the difference between it and other credit cards?

Can I apply for a credit card from Ping An of China? The functions of Ping An Bank's credit cards are not much different from other credit cards. Here are some benefits of Ping An's credit cards:

First, the time for reporting loss is improved. Other banks provide 48-hour loss reporting guarantee. Peace of mind has been increased to 72 hours.

Second, it comes with an insurance function. Because Ping An Bank is a subsidiary of Ping An Group, its additional functions in the insurance area are unmatched by other banks.

Third, the ATM withdrawal function. It is very expensive to withdraw cash with credit cards from other banks. With Ping An's credit card, you only need to link your debit card and withdrawals from ATM machines are free.

Fourth, watching a movie costs 30 yuan. It only costs 30 yuan to watch a movie in Shanghai's five major movie theaters.

What is the difference between a pass credit card and an ordinary credit card?

Both credit cards have the same functions, such as swiping the card for consumption.

There are many IC credit cards now. IC credit cards have two accounts, one is a credit card account, and the other is an electronic cash account. These two accounts are independent. An electronic cash account is equivalent to a small electronic wallet. The electronic cash account can have a maximum amount of 1,000 yuan.

If you have transferred the amount to your e-wallet, you can then make card payments at merchants that support "UPCash" or directly swipe your card for transactions at merchants that support "QuickPass". Nowadays, there are more and more places where IC cards can be swiped. And I heard that most banks are now upgrading magnetic stripe cards to chip cards, so this method of swiping cards will become more and more popular in the future.

What is the difference between bank card visa and ordinary credit card?

Visa is a line of international organizations. It is generally used by swiping cards abroad. Ordinary communication cards also have the UnionPay VISA logo. You can Used at home and abroad.

What is the difference between a business card and other credit cards?

Strictly speaking, a business card can only be used when performing official duties. After use, an invoice is required to go to the unit for reimbursement, and the unit will Deposit the money into the official card again. Non-business cards do not have so many restrictions

What is the difference between Hong Kong travel credit cards and other credit cards?

Travel credit cards, as the name suggests, offer discounts on plane rides and hotel stays when traveling. . .

It has the effect of a regular credit card, but with added travel benefits.

What kind of UnionPay card starts with 62?

Those with numbers starting with 62 are UnionPay cards. The specific type can be further determined based on other marks on the card surface. The following introduces you to the relevant types of UnionPay cards.

1. What is a UnionPay card?

A UnionPay card is a bank card that starts with “62” and has the UnionPay logo on the card surface.

2. What types of UnionPay cards are divided into

(1) According to the type, they can be divided into debit cards and credit cards:

Debit cards

Debit card refers to a bank card in which the cardholder deposits money first at the issuing bank and then makes purchases. Debit cards are easy to carry. You can deposit and withdraw money at the bank counter or at an ATM. It is very convenient. You can also earn interest by depositing with a debit card.

Credit Card

A credit card refers to a bank card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later. The difference between a debit card and a credit card is that the 3-digit CVV code is printed on the signature line on the back of the credit card.

(2) Distinguished by level

Divided according to level, it can be divided into regular card, gold card, platinum card and diamond card:

Plain card

All UnionPay cardholders can enjoy safe and convenient card use services. UnionPay cards are not only universal and easy to use domestically, but can also be used in more than 140 countries and regions overseas. Whether you want to shop, travel or enjoy delicious food, UnionPay cards are your best assistant.

Gold Card

On the basis of the benefits of the regular card, gold card holders can not only enjoy a higher credit limit, but also enjoy the rich and colorful services provided by UnionPay and the card-issuing bank. Special services, such as roadside assistance, insurance services, etc., to make your life more convenient and comfortable.

Platinum Card

UnionPay and card-issuing banks provide Platinum Card holders with Platinum Secretary, Platinum Business District, Green Food Online Ordering and other services, through considerate and thoughtful services , allowing Platinum Card holders to enjoy a higher quality of life.

Diamond Card

UnionPay cooperates with card-issuing banks to provide Diamond Card holders with more personalized services, such as high-end hotel membership privileges, high-end club services, and UnionPay Platinum VIP Lounge services. etc., through high-quality exclusive services, to highlight the distinguished status of cardholders.

What does restricted card 62 mean?

Generally, if a restricted card with code 62 appears when swiping a card, it may be due to the following reasons: the POS machine does not support this kind of bank card. For example, use a UnionPay POS machine to swipe a Visa card; the credit card is subject to bank risk control. If the cardholder uses the credit card to cash out or perform other illegal operations, the bank may be subject to risk control and restrict transactions. You need to contact the card issuing bank for processing.

A restricted card means that the credit card is prompted to be restricted during the transaction, so the card cannot be used for normal consumption. Of course, there are many reasons for restrictions, such as the card being subject to risk control, the transaction environment being risky, the credit card being suspected of being cashed out, the credit card being potentially stolen, etc.

If the bank card is frozen due to an individual entering the wrong password more than the bank's prescribed number of times, you need to bring your ID card and bank card to the corresponding bank to unfreeze it. The bank card is frozen due to third-party reasons.

Generally, personal bank cards are frozen in this case. It may be when the police are handling the case, and some special circumstances require the bank card to be frozen. Generally, if a bank card is frozen due to these reasons, when the bank card will be unfrozen requires detailed analysis of the specific issues. The card has become a sleep card. The definition of a sleep card is a card that has not been used for a certain period of time or a period of time, or the newly applied card has not been activated or activated. Most banks Sleeping cards will not be automatically canceled and charges will be charged, so if you find that a card that has not been used for a long time has not been activated, you should activate it as soon as possible.

Deposit freezing means that the bank restricts the use of the deposit. It can be roughly divided into collecting only but not paying, collecting only but not paying, and partial freezing. The reason for freezing is generally that the judicial authorities, taxation, customs and other competent authorities of the country go to the bank to issue relevant official letters for processing, and there are also reasons for customers to handle some business such as letters of guarantee at the bank. If the freezing period of savings deposits has exceeded the stipulated six months, if the original case-handling agency does not propose a procedure to re-freeze the deposits, it will be regarded as automatically revoked. Once the frozen deposit is unfrozen, the depositor can apply for renewal or withdrawal.

Unfreezing savings deposits refers to the procedures for freezing savings deposits. The public security, procuratorate, customs and industrial and commercial administration departments have frozen savings deposits through banks. When the case is closed, according to the judgment or ruling of the competent authority, if the deposit is still owned by the individual, the original case-handling agency shall submit the request. The unfreezing notice notifies the bank, and the savings institution can unfreeze the frozen deposit account accordingly, resume and handle deposits and withdrawals according to normal business procedures. If the deposit is confiscated and returned to the public, the transfer can be handled with a copy of the judgment or ruling and the penalty and forfeiture payment voucher. payment procedures.

What does it mean when 62 restricted cards are displayed when swiping a card?

For credit card swiping that shows restricted cards, it is likely that the credit card has been frozen, may have been stolen or used abnormally, or the overdraft has not been paid off, resulting in the inability to complete the transaction.

Error code 62 means that the loan card is a restricted card, and 62 means a restricted card. This transaction failure must be a problem with the credit card. There is no need to retry and you can just contact the card issuer for processing.

As long as the cardholder does not engage in illegal operations during this period, the bank's restrictions will be explained after the bank's risk control is lifted, and feedback will generally be given to the customer within a few days. If it is frozen for other reasons, it cannot be unfrozen and you can only reapply for a credit card.

Extended information:

Notes:

When swiping your card for consumption in a shopping mall, if a transaction error occurs or a transaction is canceled, you must submit the wrong transaction order. Tear it up on the spot. If the merchant uses a savings computer connected to a credit card terminal, ask the salesperson to issue a receipt to offset the original transaction, and then re-transact or obtain a refund statement from the merchant.

Try not to let the bank card out of sight, and pay attention to confirm whether there are two overlapping transaction documents.

Whether you use the card locally or in another place, you must keep the transaction receipt properly. If repeated deductions occur due to cross-bank or cross-regional bank transactions, you should promptly contact the card-issuing bank with the transaction receipt.