At present, China Industrial and Commercial Bank, China Bank, Ping An Bank and other banks have launched debit cards and credit cards.
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Debit cards and credit cards can not only bring convenience to customers, but also represent the future development direction of domestic bank cards. It has the remarkable characteristics of one card with double magnetic stripes, one card with double accounts and full coverage of bank cards.
Bank cards include credit cards (credit cards) and debit cards. Credit cards are mainly used for shopping by swiping cards, while debit cards are suitable for accessing wages and investing in wealth management.
Whether it is a credit card or a debit card, there is only one magnetic stripe, and only one account information can be recorded.
Take Great Wall Credit Card as an example:
Great Wall Credit Card integrates two accounts and two magnetic stripes of debit card and credit card into one physical card, covering all functions of Great Wall RMB credit card and Great Wall electronic debit card.
It can not only be used for overdraft consumption within the credit line, but also enjoy an interest-free repayment period of up to 56 days. It can also be used for multi-currency savings and financial investment such as funds, foreign exchange and gold.
You can also enjoy the latest online banking and telephone banking system of Bank of China, and easily realize various professional services such as inquiry, transaction and online payment.
It is particularly worth mentioning that the Great Wall Credit Debit Card has the automatic repayment function between the credit card account and the debit card account since the card was opened.
Consumer accounts paid by credit card accounts can be automatically deducted and returned from debit card accounts every month, avoiding the trouble of cardholders paying penalty interest because they forget to repay.
In order to keep the card face beautiful, Great Wall Credit Card also pioneered the combination of invisible magnetic stripe and visible magnetic stripe in China.
The magnetic stripe of the front debit card account is hidden by international advanced technology, and the magnetic stripe of the reverse credit card account exists in a visible way to ensure that cardholders can use their cards normally in merchants.
At the same time, in order to facilitate the use of cardholders, Great Wall Credit Card has increased the use direction of ATM on both sides, prompting and guiding cardholders to correctly use the dual account function on ATM.