Basic introduction Chinese name: financial card issuer: date of bank appearance: 2007 Application: Pos consumption survey, consumption, rational consumption, classification, approval, handling and maintenance, overview Financial card is superior to credit card, and financial card has not been popularized. For example, SLVU-Pay International Platinum Card SLV Upay Card is a financial card jointly created by IPC Horizontal Alliance International Group, Malaysian Muslim Consumer Cooperative and international financial institutions. Since its launch in February 2008, it has been sought after by consumers in Singapore, Japan, South Korea, India and other places, becoming the new favorite of financial management and an indispensable financial management tool in people's lives. Due to its excellent service, SLV Upay Platinum Card is known as the seventh financial card in the world after Master Visa. As early as 2007, Ipc Horizontal Alliance International Group invested funds and jointly opened a credit card machine with five international financial institutions. SLV Premium International Platinum Card is connected with financial institutions all over the world. It can be used for withdrawal, online payment, multi-currency savings payment, Pos consumption or ATM transfer withdrawal. The following will introduce Pos consumption. When consumers spend money on clothing, food, housing, transportation, travel and entertainment, SLV U-pay International Platinum Card can provide discounts for consumers with its powerful alliance system, and consumers can turn the saved money into part of their own income. In addition to discounts, SLV U-pay can also accumulate income through the power of people buying the Internet. For consumers, the arrival of SLV U-pay not only adds a convenient and quick financial management tool, but also adds more ways to open up sources and reduce expenditure. More importantly, it subverts the traditional concept of credit card overdraft consumption-consumption, circulation and debt, and creates a benign economic cycle model of consumption, circulation, wealth creation and re-consumption. It has created a brand-new e-commerce model and a new consumption concept. In Singapore, Japan, South Korea, India and other places, SLV U-pay International Platinum Card has become an indispensable financial tool in people's lives. SLV U-pay is connected with financial institutions all over the world and can make online payment and savings payment in multiple currencies. More importantly, the SLV Upay Platinum Card makes consumption return to rationality, and no longer overdraws. You can spend as much money as you have. The difference between rational consumption SLV U-pay Platinum Card is that it is a debit card, that is, a card that directly deducts the credit card amount from the bank account. If the credit card amount exceeds the account balance, you can't swipe it, so as not to overspend and exceed the burden. Classified financial cards are divided into three categories: the first category is bank savings cards, that is, debit cards that deposit in advance through banks, which are the most common financial cards, such as Peony Card of ICBC, Jinsui Card of Agricultural Bank, Longka of China Construction Bank and Lanka of ICBC. The second category is the bank credit card, that is, the credit card that has a loan relationship with the bank through the bank. This is a popular financial card at present, which needs the approval of banks, such as the platinum business card of China Everbright Bank, the platinum card of Ping An Bank and the platinum card of China Merchants Bank. The third category is consumer cards approved by the banking association, that is, consumer cards handled by non-financial payment institutions in physical stores and online in fixed business districts. This is the latest form of financial card, which should be handled by institutions with the right to handle consumer cards, such as Tenpay Gold Card of Shenzhen Tenpay Technology Co., Ltd., Financial Gold Card of Qingdao Xinbang Investment Guarantee Co., Ltd., Point Gold Card of Taiyuan Dianfu Media Technology Co., Ltd., etc ... The circulation approval of various financial cards must be approved by the People's Bank of China, and the approval contents include: card size, card pattern, card name, card purpose, etc. Handling and maintenance According to the classification, the handling and maintenance of various bank cards are as follows: 1. Bank savings card (1) Handle valid identity documents and photocopies, fill in the card application form at any bank branch, and pay the annual fee 10 yuan; If the average daily deposit per quarter is less than 300-500 yuan (different provinces have different regulations), the small account management fee in 3 yuan will be charged every quarter. The 24-hour service card on the ATM can be used for shopping and consumption. Now the bank has implemented the national deposit and withdrawal, and it is very convenient to transfer money and withdraw cash. It is also convenient to register online banking, and you can transfer money, shop and pay fees. (2) Keep the bank card active after maintenance, such as maintaining the normal cash flow of the bank card and keeping the average daily deposit not lower than that of 300 yuan. For bank cards that have been dormant for more than three years, Chinese banks adopt the policy of automatic account cancellation. Two. Bank Credit Card (1) Citizens with full capacity for civil conduct (citizens aged 65,438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. Each unit can get a main card and several (5- 10) supplementary cards when applying for a credit card. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee. The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph. (2) Maintain 1 and normal consumption. After applying for cash withdrawal, put an end to normal consumption and use according to the laws and regulations of credit cards, and put an end to all current behaviors, which is conducive to the improvement of credit. 2. Repay on time. First, related automatic repayment. Bind the credit card with the debit card to ensure that the debit card has enough balance, and the bank will automatically deduct the funds in the debit card one day before the repayment date expires to repay the credit card, which not only enjoys the interest-free period to the maximum extent, but also ensures that it will not be unexpectedly overdue because of forgetting time. The second is online repayment. Credit card repayment can use the bank's telephone banking and online banking. You can repay online 24 hours before the repayment date, repay in real time, and receive the account in real time. The third is the repayment of third-party platforms. Use Alipay, Tenpay and other third-party platforms to repay credit cards, without any handling fee. The fourth is to repay through the third-party intelligent terminal of the convenience store. For example, the intelligent terminal independently developed by Lacarra Payment Co., Ltd. and the "Xinbang Yifutong" intelligent terminal independently developed by Qingdao Xinbang Investment Guarantee Co., Ltd. are all innovative electronic products certified by the Bank Card Testing Center and supported by the financial services provided by China UnionPay's inter-bank information exchange network. Repayment is convenient and fast. Fifth, the traditional repayment method. Use self-service equipment to pay back (automatic deposit machine), or pay back at the counter of outlets, pay back in real time, and receive the account in real time. 3. The consumer card (1) recognized by the Banking Association shall carry valid identity documents and copies, and fill in the card application form at the company that handles the consumer card. The fee is 15 yuan. After recharging, you can make purchases from fixed businesses, transfer money between bank cards and consumer cards, and repay credit cards. For example, bring your valid ID and photocopy to Qingdao Xinbang Investment Guarantee Co., Ltd. to fill in the application form for the consumption card, read the instructions for the use of Xinbang Financial Gold Card and sign the card, and then you can use it after recharging. If it is lost during use, you should contact the card issuing company as soon as possible to report the loss and reissue it. (2) Real-name registration of maintenance consumption cards, normal consumption according to the instructions in the process of consumption, to prevent cashing out to contracted merchants.