A credit card refers to a bank card that can be overdrawn in advance. There are many kinds of cards. If classified according to some standards, credit cards can include many cards, such as main cards and supplementary cards,++cards and UnionPay cards. Let's have a look.
There are many kinds of credit cards. Here, credit cards are classified into these types according to four criteria:
1. According to credit card issuers, it can be divided into international cards and unionpay cards.
1 international cards: There are generally five international cards, such as VISA, MasterCard and JBC. Institutions and outlets around the world that can accept this brand of credit cards can be unimpeded.
2 UnionPay card: UnionPay card refers to a credit card with the UnionPay logo, which is widely used in China. In the world, you can only swipe your card at POS machines or ATM machines with UnionPay logo;
2. According to the grade of the card, it can be divided into ordinary credit cards and high-end credit cards.
1 ordinary credit card: generally including ordinary card and gold card, which is relatively easy to apply;
High-end credit cards: including platinum cards, unlimited cards and diamond cards. , which requires higher qualifications for applicants;
3. According to the affiliation, it can be divided into main card and auxiliary card.
1 master card: the master card is a credit card issued by the card issuer to individuals who have reached a certain age, have full capacity for civil conduct, and have a stable job and income.
Supplementary card: Supplementary card refers to the credit card issued by the card issuer when the principal cardholder applies for his parents, spouses, children or relatives and friends with full civil capacity.
4. According to different card issuers, it can be divided into corporate cards and personal cards.
1 Corporate Card: Also known as business card, it is a credit card with business service as its core issued by card issuers. Specially for the company's needs, we provide professional services such as employee credit line, comprehensive statement, business travel preferential plan and so on. In case of expenses such as business travel expenses and business entertainment for employees of the company.
Personal card: it is a credit card issued by the card issuer to individuals with full civil capacity and stable work and income, which is different from corporate cards.
What are the international credit cards?
What are the international credit cards?
What are the international credit cards? International credit card is a card issued by the bank in conjunction with the international credit card organization to people with good credit, and it is very beneficial to friends who travel abroad for overdraft consumption on a global scale. Let me tell you something about international credit cards.
What are the international credit cards 1?
1. What is an international credit card?
International credit card is a kind of card issued by banks and international credit card organizations to people with good credit standing, which can be overdrawn worldwide. At the same time, this card is also used to confirm the identity of users on the international network.
Two. Overview of international credit cards
Cards issued by members (banks) of international card-issuing organizations can be signed by the special agent of the organization. This kind of card is called an international card. As we all know, the three major international organizations VISA, MASTER and JCB. VISA has the highest market share, followed by MASTER and JCB, but JCB is very easy to use in Japan, but not necessarily in other places. Although JCB is also an international card, some online shopping does not accept JCB.
Usually, international credit cards use US dollars as the settlement currency, and international credit cards can be overdrawn (spend first and then repay). Visa and MasterCard are the common credit card brands in the world, and major domestic commercial banks also provide international credit card business. You can easily apply for a credit card at the bank counter. It should be noted that international credit card deposits have no interest.
Third, the characteristics of international credit cards
1, ICBC Peony International Credit Card
When both RMB account and USD (or HKD) account are opened in the card, you can not only swipe your card at home, deposit and withdraw cash at ICBC's national outlets or UnionPay ATMs, but also use or withdraw local currency at designated merchants with VISA, master card or AmericanExpress cards and ATMs marked with VISA, MasterCard or American express cards, so as to enjoy the preferential exchange rate of international credit card organizations and reduce the loss and loss of++exchange.
RMB account and++account (USD or HKD) have their own credit limits, which do not affect each other. In addition, the US dollar account can be used for shopping on foreign websites, and the unique online transaction switching function of Peony International Card fully guarantees your card safety.
2. China Agricultural Bank Jinsui Credit Card Dual Currency Card
The dual-currency credit cards issued by ABC are Visa and MasterCard. In addition, featured cards include Jinsui Platinum Card, Jinsui International Travel Card and MasterCard HNA Co-branded Card. The dual-currency card has two accounts, RMB and USD, and both accounts enjoy a credit line. Overseas non-UnionPay POS consumption and overseas ATM withdrawal use US dollar accounts, and there is no handling fee for consumption. For cash withdrawal, the handling fee is charged at 3% of the transaction amount (minimum $3). If the local currency is not USD, you need to pay the international settlement fee. Visa is 1% of the transaction amount, and MasterCard is 1. 1%。
3. BOC Great Wall International Card
There are four kinds of chip (EMV) credit cards that meet international standards: USD, HKD, EUR and GBP. It can be spent by more than 29 million VISA or MasterCard merchants in 256 countries and regions around the world, and can also be withdrawn from member banks, and can also be used at ATMs marked with "PLUS" or "CIRRUS" around the world. In addition, you can also pay related fees online.
4. BOC Great Wall International Zhuojuan Card
Credit cards, products, services and discounts specially designed for international students take care of the needs of international students. Zhuojuan Card has two options: Euro Card and Sterling Card. Parents can pay their children's living expenses for studying in China through various repayment methods.
5. China Merchants Bank Dual Currency International Credit Card
China Merchants Bank has a variety of dual-currency international credit cards, among which airline credit cards have cooperation with many airlines. For example, China Merchants Bank and All Nippon Airways jointly launched ——ANACard, the first foreign airline joint credit card in China. Credit card consumption can accumulate mileage; With this card, you can get up to 2 million yuan of aviation accident insurance if you pay the full plane ticket or 80% of the tour fare.
6. CITIC dual-currency credit card
Citic dual-currency credit cards (RMB and USD, RMB and HKD) can be used by more than 27 million merchants with VISA logo around the world, and can also be used to withdraw money from more than 700,000 ATMs around the world 24 hours a day. CITIC Credit Card also provides aviation accident insurance with a maximum of150,000 yuan, and the "400" Mandarin global customer service hotline provides 24-hour free service.
7. CCB Business Travel Series Dual Currency Credit Card
Many credit cards such as China Eastern Airlines Dragon Card, Shenzhen Airlines Dragon Card and Mango Travel Dragon Card in CCB Business Travel Series are dual-currency credit cards. For example, China Eastern Longka is an aviation joint credit card jointly issued by CCB and China Eastern Airlines. This card is a combination of Longka dual-currency credit card and Oriental Miles membership card. In addition to accumulating Oriental Miles points, you can also receive high aviation accident insurance. If the domestic flight of China Eastern Airlines is delayed for more than 4 hours, it can also receive flight delay insurance and baggage delay insurance.
8. Bank of Communications dual-currency credit card
In the form of main card and supplementary card, it is universal and there is no handling fee for consumption. The longest interest-free period is 56 days, and you can also withdraw cash urgently abroad. I will send you the child's consumption bill on time every month, and I can also open a banking service. The consumption details of each child will be sent to your mobile phone in the form of SMS at the first time. If you lose your credit card, you should immediately call 86-4008009888 to report the loss overseas to avoid loss.
Fourth, matters needing attention
1. Adjust the credit card limit.
Under normal circumstances, the credit card limit given by the bank is relatively large. For example, my credit card limit is close to 20 thousand yuan, which is generally not needed. In case the credit card is lost, it will cause a lot of unnecessary losses. Therefore, individuals can manually adjust the credit card limit, for example, setting a limit in the credit card limit adjustment of China Merchants Bank Online Banking Professional Edition, so that the credit card consumption limit is within this limit, and the risk is much less. When you need more credit cards, you can modify them manually.
2. Turn off the ATM withdrawal function of the credit card.
It is basically useless to withdraw money from ATM by credit card, and the interest rate is surprisingly high. Once the credit card is stolen, it will bring greater risks. It is suggested to turn off the cash withdrawal function of the credit card.
6. Which is safer, signature or password?
Using signature as proof of credit card consumption is the mainstream of international banking. From the security point of view, this kind of credit card can be consumed only by signing, especially through online banking. Generally, as long as you know the cardholder's name,++,credit card validity period and inquiry password, you may be stolen. Therefore, many cardholders in China think that passwords are more secure than signatures. However, the use of passwords also has some disadvantages, that is, the responsibility of keeping passwords is passed on to cardholders, which means "at your own risk". Once a credit card is fraudulently used, the rights and interests of the cardholder who uses the signature can often be better protected and compensated.
What are the international credit cards?
1 visa
Visa card has also been translated into Visa, Visa, Cai Huika and Visa. It's a credit card brand. 1959, bank of America began to issue American bank cards in California, and 1976 began to issue Visa cards. 1977, "Visa" was officially regarded as the symbol of the organization and was called the Visa international organization. VISA card is a credit card issued by Visa International with the ending of 1982. It can be accepted at more than 29 million merchant trading points around the world, and cash can be withdrawn from1800,000 ATMs, which is infinitely convenient.
2. MasterCard
Mastercard international established an internationally accepted credit card system in the late 1950s and early 1960s, and it immediately became popular all over the world. 1966, the interbank association was established. 1969 The Bank Card Association purchased the patent right of MasterCharge, and unified the credit card name and style design of each issuing bank. In the following ten years, MasterCharge's original name was changed to MasterCard.
3. American Express
Since 1958 issued the first American Express card, up to now, American Express has issued American Express cards in 49 currencies in 68 countries and regions, building the world's largest self-contained special merchant network with more than 60 million high-quality cardholders. American Express Company was established in 1850, and its initial business was to provide express service. With the continuous development of business, American Express took the lead in launching traveler's checks at 189 1, mainly for high-end customers who travel frequently. It can be said that American Express has served high-end customers for a hundred years, and accumulated rich service experience and a huge group of high-quality customers. There are Peony American Express Card, China Merchants Bank American Express Card, CITIC American Express Card, Great Wall American Express Card and Minsheng American Express Card.
4. Dinner Club
Diner's Card was founded by entrepreneur FrankMCMamaca on/1950. This is the first plastic payment card, and eventually developed into an international credit card. 198 1, Citigroup, the holding company of Citibank, the largest retail bank in the United States, accepts DinersClubIntenational card. The main advantage of Diner's Card Company is that it has increased its sales in underdeveloped areas and consolidated its strong position in the credit card market. The company strengthened its position in the international market by forming a reciprocal agreement between Dalai's cash exchange network and ATM network.
China Industrial and Commercial Bank launched the first Dalai brand RMB/USD dual-currency card in Chinese mainland.
5. JCB (Japan Credit Bureau)
JCB card is a universal international credit card. It is a credit card jointly issued by Mitsui Bank of Japan, Nobuyuki Bank of Japan, Mitsui Bank, Concord Bank and Daiwa Bank at 196 1. The credit card (20 13) has been issued and circulated in 190 countries and regions around the world. They are the top five international credit card brands and the only international credit card brand originating from Asia.
JCB pays special attention to China, South Korea and other countries and regions. In China, nine banks have issued JCB credit cards, including China Bank, Shanghai Bank, China Everbright Bank, China Minsheng Bank, China Merchants Bank, Shanghai Pudong Development Bank, Ping An Bank, China Construction Bank and China Industrial and Commercial Bank. The number of cardholders has exceeded 5 million.
What does the number at the beginning of credit card++stand for?
First, the first digit of credit card++can distinguish card issuers. Generally, the card starting with 6 is UnionPay card, the card starting with 4 is a card with Visa logo, the card starting with 5 is a card with Master logo, and the card starting with 3 is a card with JCB logo. +++ 1-6 is the credit card BIN code, the bank identification code, and the full English name is BankIdentificationNumber.
Two. BIN is represented by 6 digits and is assigned by the International Organization for Standardization (ISO) to all bank card organizations engaged in inter-bank transfer exchange. The++of a bank card is a number that identifies the information of the card issuer and the cardholder, and consists of the following three parts: the identification code (BIN number) of the card issuer, the user-defined bit of the card issuer and the check code.
3. At present, domestic bank cards are divided into different bank card organizations according to different numbers. Among them, the bank card with the word "4" in the BIN number belongs to the VISA card organization, the bank card with the word "5" belongs to the MasterCard organization, and the bank cards with the words "9", "62" and "60" belong to China UnionPay.
UnionPay cards beginning with "62" and "60" are UnionPay standard cards that meet international standards and can be used overseas. This is also the main bank card issued by China UnionPay in recent years.
Extended data
The most common credit card in China is 16 digit (American express card is 15 digit), which usually contains information such as bank brand, card issuer and card issuing branch. Take Bank of Communications credit card as an example. Bit 0/6 of Bank of Communications Credit Card/KLOC-consists of the following parts:
++bit 1-6 is the credit card BIN code. The first digit is the card organization code, in which the first digit of VISA card is 4, the first digit of Master card is 5, and the first digit of UnionPay single currency card is 6; 2-6 digits are the codes assigned to each bank by the card organization. The top six credit cards of Bank of Communications are as follows:
VISA Puka 458 123, Master Puka 52 1899, UnionPay Puka 62252 and UnionPay Business Puka 6282 16.
VISA Gold Card 458 124, Master Gold Card 520 169, UnionPay Gold Card 62253 and UnionPay Official Gold Card 6282 18.
VISA Platinum Card 4349 10, Master Platinum Card 522964 and UnionPay Platinum Card 622656.
Baidu encyclopedia -BIN code
What are the top five credit card organizations in the world?
At present, there are six major credit card organizations in the world, namely VISAInternational and MasterCard International, and AmericanExpress.
China UnionPay, DinersClub and JCB Japan International Credit Card Company (JCB) are four professional credit card companies.
China UnionPay is a joint-stock financial service institution established by more than 80 domestic financial institutions with the approval of the People's Bank of China, with a registered capital of 654.38+65 million yuan. The company was established on March 26th, 2002, and its headquarters is located in Shanghai.
Extended data:
Cards issued by members (banks) of international card-issuing organizations can be signed by the special agent of the organization. This kind of card is called an international card. As we all know, the three major international organizations VISA, MASTER and JCB.
VISA has the highest market share, followed by MASTER and JCB, but JCB is very easy to use in Japan, but not necessarily in other places. Although JCB is also an international card, some online shopping does not accept JCB.
Usually, international credit cards use US dollars as the settlement currency, and international credit cards can be overdrawn (spend first and then repay). Visa and MasterCard are the common credit card brands in the world, and major domestic commercial banks also provide international credit card business.
Baidu Encyclopedia-International Credit Card Organization
What credit card issuers are there in the world?
There are six credit card issuing organizations in the world, including five international credit card issuing organizations. The six card issuers are: China UnionPay, VISA, MasterCard, American Express, DinersClub and JCB. UnionPay China UnionPay: Established in 2002 and headquartered in China, it is the youngest card organization. It has issued cards to 160 countries and regions internationally and should be the largest card organization in the world at present. DinersClub Diners Credit Card: the world's first card organization, headquartered in the United States, only cooperates with Industrial and Commercial Bank of China to issue cards in China. JCB: Headquartered in Japan, it is very strong in Japan and Southeast Asia. It is popular in more than 90 countries and regions around the world, but only a few large banks in China cooperate with JCB to issue cards. AmericaExpress American Express: Founded in 1850, headquartered in the United States, it is both a card organization and a card issuer, focusing on services and high-end customers. 1999 launched the American Express Centurion Black Gold Card, which is the top and most sought-after credit card in the world and has the title of "King of Cards". VISA VISA: Headquartered in the United States, all domestic banks cooperate with VISA to issue cards. MasterCard MasterCard: Headquartered in the United States, its main business volume is distributed in North America and Europe, and all domestic banks cooperate with MasterCard to issue cards.
What are the credit card organizations? 6 major credit card institutions quickly understand!
In the classification of credit cards, it is very common to classify according to institutions, and it is also a distinction between major categories. However, our usual common credit card institution is UnionPay, and I don't know much about others even if I have seen them. What is the function of each organization and how to distinguish it is also a headache. Today, let's introduce credit card organizations to you. Let's have a look!
1, Visa International
In fact, this is our common VISA card, which is more suitable for consumption abroad. VISA is an open bank card organization and an international organization with more than 22,000 member banks and other financial institutions in more than 200 countries.
2. MasterCard International Credit Card.
MasterCard is a strategic partner of VISA and an open bank card organization. It does not issue cards by itself, but mainly the bank cards with MasterCard logo issued by the member banks of $ term. 3. American Express
American Express is an independent company limited by shares. American Express combines credit cards and travel services well and occupies an important position in the US and global market share.
4. China UnionPay
China UnionPay is a joint bank card organization in China approved by the People's Bank of the State Council and the People's Bank of China. It is a joint-stock financial institution initiated by more than 80 domestic financial institutions.
5. Dinner Club
Dinka was the first plastic payment card and eventually developed into an international credit card. Is a closed and independent bank card organization, and its operating mechanism is very similar to that of American Express.
6. Japan International Credit Bureau
JCB Company is the largest credit card company in Japan and the only credit card group independent of the American credit card system. There are more than 5,000 kinds of JCB credit cards in the world.
These are the six major international credit card organizations introduced to you. Credit cards issued in China generally have two credit card organizations. However, due to policy reasons, it has gradually stopped in China. If necessary, you can apply for the cards needed for organizing credit cards.
This concludes the introduction of credit card issuers and credit card issuers. I wonder if you have found the information you need?