A debit card is a general savings card, that is, a card that cannot be overdrawn. Generally, our salary cards are debit cards.
Credit card is a non-cash transaction payment method and a micro-credit payment tool provided by banks to users. The earliest credit card appeared at the end of 19.
Credit cards are divided into credit cards and quasi-credit cards, which provide settlement services, facilitate shopping and consumption, and enhance security; Simplify the collection procedure and save social labor; Promote commodity sales, * * * social needs and other characteristics.
Credit card is a special card issued by banks or other financial institutions to people with good credit, which is used for shopping and spending at designated merchants or depositing and withdrawing cash at designated banking institutions. It is a special kind of credit certificate.
After the financial crisis and the ups and downs of the domestic economy, the credit card market in China picked up on 20 10. By the end of 20 10, the total number of credit cards issued in China has exceeded 200 million. In 20 10, the national interbank credit card transaction amount reached 5. 1 1 trillion yuan, and the consumption amount was 2.7 trillion yuan. The proportion of credit card consumption in the total retail sales of social consumer goods continues to increase.
What's the difference between debit cards and other UnionPay cards? Bank cards are divided into credit cards and debit cards, and credit cards are divided into credit cards and quasi-credit cards. Debit card is an ordinary savings card, which belongs to current deposit account and can be used for consumption, ATM deposit and withdrawal, etc. Credit cards can be used for spending, ATM deposits and withdrawals, etc. The biggest advantage is that you can overdraw (with a certain credit limit).
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Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. Quasi-credit card refers to a credit card in which the cardholder deposits a certain amount of reserve fund according to the requirements of the bank, and when the reserve fund is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.
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Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. Special card is a special-purpose debit card used in a specific area (except for department stores, restaurants and entertainment industries). It has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.
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The following are the differences between the two cards:
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1. Credit cards (consumer credit products) are used after consumption, and debit cards are used after deposit;
2. Credit cards can be overdrawn, but debit cards cannot be overdrawn;
3. Credit cards have revolving credit lines, while debit cards have no revolving credit lines; (Revolving credit refers to the credit line approved by the bank to the cardholder. The cardholder's credit line can be reused without full repayment, and only the specified minimum repayment amount can maintain a good credit record. )
4. If the credit card holder repays in full before the final repayment date, the shopping consumption will enjoy an interest-free repayment period;
5. Credit card deposits do not bear interest, and debit card deposits are calculated at the savings rate;
6. Credit card belongs to asset business and debit card belongs to liability business;
7. The issuance of credit cards must meet the relevant conditions (such as the situation of the work unit, the evaluation of repayment ability, the review of personal credit records, etc.). ), and debit cards only need ID cards;
8. Credit cards have anti-counterfeiting logo and UnionPay logo, while debit cards only have UnionPay logo.
What's the difference between debit card and UnionPay ic card? UnionPay IC cards also include debit cards, financial gold cards, quasi-credit cards, credit cards and platinum cards.
This title should be understood as the difference between magnetic stripe card and ic card (chip card).
1, the difference between magnetic stripe card and chip card media:
Magnetic stripe card is a card that uses magnetic carrier to record English and digital information, which is used for identification and other purposes. Chip card is a financial IC card and a bank card with chip as the medium. There is a chip on the front of the card to support the function of flash payment.
2, the difference between magnetic stripe card and chip card safety factor:
The magnetic stripe technology is relatively simple, the magnetic stripe information is easy to be cracked and copied, the magnetic stripe card will be used by criminals to steal fake cards after passing through the magnetic writing equipment, and the magnetic stripe of the magnetic stripe card is easy to be damaged or demagnetized, which leads to unsuccessful card swiping. The chip card is not easy to be disturbed and damaged, and has a long service life. The storage capacity is 160 times that of a magnetic stripe card. It can store keys, digital certificates and fingerprints, and has read-write protection and data encryption protection. It uses personal password and two-way authentication between card and reader to prevent card data from being copied, which is more secure. Chip cards are extremely difficult to copy and have strong anti-attack ability.
3. Advantages and reasons of magnetic stripe card in the field of chip card:
The customer divulges the transaction password without knowing it; When customers swipe their cards, the information on the magnetic stripe is secretly copied by criminals. Criminals can use the magnetic stripe information stealing device to copy the track information of bank cards, and then cheat passwords by means of pinhole cameras or telephone fraud, resulting in some cardholders' cards being stolen and swiped, causing huge losses. Most customers swiped their cards abroad before they were stolen. Using chip card instead of magnetic stripe card can greatly reduce the phenomenon of bank card being stolen and swiped.
Is there a difference between Turkish bank debit card and China UnionPay card? Basically, the process of opening a bank card is the same:
1. Bring your ID card and a small amount of cash to the bank branch;
2. Fill in the form with the assistance of the staff in the bank lobby;
3. Take the number and queue up, and copy the ID card with the assistance of the staff;
4. Call the counter number, go to the counter and give the completed form and ID card to the bank teller. When you apply for a credit card, you need to sign your name and enter your password. The password is six digits, so remember it after setting it. This is the password for future withdrawals;
You will get a bank card after all the processing is completed. If you apply for online banking at the same time, you will get a secret card or U shield at the same time;
6. Finish opening the card, take your things and leave.
What's the difference between UnionPay cards and debit cards? Bank cards are divided into debit cards and credit cards. You can use as many debit cards as you want, and credit cards cannot be overdrawn. For UnionPay card, it is obvious that UnionPay card is an organization and many banks have joined it. In other words, you can also withdraw money from ICBC for the card you run at CCB. This is called inter-bank withdrawal. Although it is convenient, there is a handling fee.
What's the difference between UnionPay cards and debit cards? Can UnionPay cards be overdrawn? UnionPay cards can be credit cards or debit cards. Only UnionPay's credit card can be used for overdraft consumption.
Is there a difference between visa and UnionPay card in China?
Visa card can not be used in China, but can only be used on POS machines with Visa logo abroad. It is more cost-effective to use visa card abroad.
UnionPay card supports domestic and overseas POS machines with UnionPay logo to swipe cards.
1 and VISA card introduction
VISA card international organization is a credit card organization composed of members of international banks. It has no shares and belongs to a non-profit organization. Headquartered in San Francisco, California, USA. VISA helps members develop various VISA payment tools (also known as credit cards) and traveler's checks; Provide various visa products and services for members; Help members make profits by using VISA products and services; Reduce the repeated investment of members in the network, and provide automatic "cashless" payment tools and systems for members, consumers and special merchants.
2. Introduction of UnionPay card
UnionPay card refers to a bank card that meets the requirements of unified business norms and technical standards and is printed with the words "UnionPay" at the designated location. According to the relevant person in charge of the People's Bank of China, bank cards with the "UnionPay" logo must conform to the unified business norms and technical standards stipulated by the People's Bank of China and be approved by the People's Bank of China.
The characteristics of UnionPay card are as follows: 1. The red, green and blue "UnionPay" logo is printed on the lower right of the front of the card. Second, there is a holographic laser pattern above the "UnionPay" logo on the credit card. Third, the signature strip on the back of the credit card is printed with the words "UnionPay" in color, and the handwriting written on it cannot be smeared. June 65438+1October 65438+1October, 2005, UnionPay changed its logo, with the red, blue and green bank cards arranged in parallel as the background, which set off the white "UnionPay" English and "UnionPay" Chinese styles. Compared with the old logo, the new logo of UnionPay mainly added the English word "unionpay", and fine-tuned the area and inclination of the three-color block.
Is there a difference between a debit card and a nostalgic card? The homesickness card of Postal Savings Bank is a debit card and a new generation of chip card (IC).
Homesickness card is a new debit card issued on 20 15, which is specially used for the majority of labor customers.
The current benefits are:
1, rural cards take IC chips as the main information carrier, and account security is better than magnetic stripe debit cards.
2. Homesickness card is free of cost, small account management fee and annual fee.
3. make an appointment to transfer money. If the nostalgic card transfer is reserved for transfer, and the nostalgic fee is deducted, the off-site handling fee within 12 line before each year is free; You will be notified by SMS for free of charge for all the reserved transfers transferred from the nostalgic card.
4. With the homesickness card, you can enjoy the free discount of the first two accumulated fees of bank deposits and withdrawals in different places every month.