There are many types of credit cards, which can usually be divided according to the following six standards:

(1) According to the credit card issuer, they can be divided into bank cards and non-bank cards;

(2) According to the storage medium of credit card information, it can be divided into magnetic stripe cards and chip cards;

(3) According to the different repayment methods, it can be divided into: credit card, quasi-loan Credit cards and debit cards;

(4) According to the different settlement currencies of credit cards, they can be divided into foreign currency cards and local currency cards;

(5) According to the different circulation scope, they can be divided into International cards and regional cards;

(6) According to the number of currencies in the credit card account, it can be divided into single-currency credit cards and dual-currency credit cards;

(7) According to the credit card affiliation , can be divided into main card and supplementary card;

(8) According to the different objects of credit card issuance, it can be divided into corporate card and personal card;

(9) According to the credit card of the cardholder Status and credit status can be divided into unlimited cards, platinum cards, gold cards, and ordinary cards.

(10) According to the different shapes of credit cards, they can be divided into standard credit cards and special-shaped credit cards.

What does the appearance of a credit card include?

The front of a credit card generally includes the following:

(1) The registered trademark pattern and card organization logo of the credit card;

(2) The special logo of the credit card or Anti-counterfeiting mark;

(3) The issuing bank code, credit card number, cardholder name pinyin, validity period, etc. of the card-issuing bank (or company).

The back of the credit card has the following content:

(1) A magnetic tape, which records the cardholder’s account number, available amount, personal password and other information;

(2) The signature of the credit card holder, followed by the last three digits of the card number in the signature column, is used for security authentication;

(3) A simple statement from the issuing bank;

(4) 24-hour customer service hotline

What is the relationship between the additional card and the main card?

All debts incurred by the holder of the additional card when using the credit card shall be borne by the holder of the main card, and the holder of the main card shall perform the debt directly to the card issuer or special unit. Therefore, the holder of the main card shall Most people and supplementary cardholders have a financial relationship, or know and trust each other. There are agreements such as gifts, entrustments, and paid commitments between them. It also determines that the main card and the supplementary card belong to the same account. , the credit limit is guaranteed.

In the relationship between primary and additional cardholders, the primary cardholder is in a dominant position and has the right to decide to add or cancel secondary cards, while the secondary cardholder is in a subordinate position. If the primary card is cancelled, the secondary card should be returned to the card issuer. When the primary cardholder requests to stop using the additional card midway, the additional card should also be returned to the card issuer, and the unsettled debt will still be borne by the primary cardholder.

What are the advantages of credit cards?

(1) Cardholders can obtain goods and services without paying cash, eliminating the inconvenience and risk of carrying large amounts of cash, and making it easier for consumers to go shopping, business trips and travel.

(2) Banks can use this as a means to win deposits from merchants and credit card customers, and charge a certain percentage of commission based on the total amount of advance payments.

(3) Credit cards closely connect card-issuing banks, cardholders, special merchants, and agency banks, forming a recurring chain of creditor-debt relationships, and the establishment and development of this relationship are both Depends on the credit extended to each other.

Can credit cards be considered currency?

Yes.

Credit cards can also be called electronic money. Why are credit cards considered currency?

(1) First of all, currency and credit cards are both a type of commodity, and both are special commodities that serve as media of exchange;

(2) Credit cards are also involved in the circulation of commodities;

(3) As a means of payment, credit card is an advanced payment tool;

In view of the above characteristics of credit card, credit card, as a medium of exchange, can replace modern payment methods to a large extent and extent. Banknotes circulate and enter the so-called cashless society, so people regard it as a new currency after banknotes.

What is the difference between credit card and currency?

Although credit cards and currency are closely related, there are essential differences after all:

(1) First, currency is a general equivalent that serves as a medium of exchange, and its value scale function is currency. The most basic function, but credit cards are different. They are not equivalents and have no value scale function, but are only a means of value transfer and a carrier of currency;

(2) Secondly, as a means of circulation, currency and commodities There is a constant exchange of positions between buyers and sellers, and a credit card is always subordinate to one owner. When it is used as a medium to complete commodity transactions, the value is transferred, but the credit card is not transferred. What it mediates is still the exchange of money and commodities. Bit movement;

(3) Thirdly, credit card is an advanced payment tool. It is an expansion and extension of monetary payment means. It breaks through the limitations of currency and can be used multiple times in one place or in several places. It can complete transactions for its holders, and can pay currency in large or small amounts within the bank's credit limit in exchange for the goods and services the cardholder needs. When serving the same cardholder, it greatly expands the means of monetary payment in time and space;

(4) Finally, the credit card layout has storage means. It only functions as a savings passbook;

(5) It will not become a world currency. Although credit cards break national boundaries and are widely used internationally, because they do not have the function of a measure of value, what they transfer is still currency. It is still a payment tool when currency performs the function of world currency.

What is the difference between credit card, cash and check?

Credit card payment tools have now become an indispensable means of exchange in the economies of many countries. Compared with cash and checks, they can bring more convenience to consumers and merchants. Fully reflects the advantages of credit cards.

(1) Cash is thicker and more complex than credit cards in terms of area, weight and amount;

(2) Cash is easy to be stolen and difficult to recover. Reply;

(3) Defects of the check itself. First, check books are not easy to carry, and second, checks are difficult to use across regions. This is mainly to prevent the risk of bad checks. Check guarantee services can only partially prevent the risk of bad checks, and the guarantee fee is high, generally 1%-2.2%. The issuer with a high degree of risk may even need to pay a guarantee fee of up to 5%;

( 4) The use of credit cards has promoted the development of ordering methods such as mail ordering, telephone shopping and online shopping. Before credit cards, people had to get a list of goods, fill out an order form, and mail it out with a check, which was extremely time-consuming. Using a credit card can greatly save transaction time and improve transaction efficiency.

What is the difference between a credit card and a bill?

(1) Credit card is a commodity, a special financial commodity, which must be purchased with money, while bills are not commodities;

(2) Bills are used as payment When the tool works, it must be limited by time, space, amount and beneficiary. Within a certain period of time, the specific beneficiary can go to a predetermined place to withdraw the amount listed on the note.

Credit cards, on the other hand, abandon the limitation of bills. Unlike bills, which can only be used once, they can be used multiple times and paid multiple times at different places and merchants. The amount is not fixed and the beneficiary can be Different multiple times, it greatly develops the function of bills;

(3) Bills, as credit tools, only play a role in payment, while credit cards are not only payment tools and settlement tools, but also consumer credit It has a function that no bill or currency has.