How to find out which area the bank card number is from?

1, you can go to the local bank with your ID card to check the ownership of your bank card. Generally, this kind of inquiry is very convenient, and there are staff in the bank lobby, so it is also very convenient to consult. It is the first way for everyone to inquire. Because some segments of the bank card number indicate the region and the issuer code. You can check with your bank or the local branch of UnionPay. The query result of the attribution of the bank card number is the location of the bank city where the bank card bank is located, which may be different from that of the cardholder.

2, telephone consultation method, this method is more convenient, try to avoid the peak period when making a phone call, because the line is often busy during the peak period, directly consult the customer service staff after the call, and then explain your ID card, which is also one of the methods that can be inquired.

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Bank card classification method

Under normal circumstances, bank cards are divided into credit cards and debit cards according to whether credit lines are granted to cardholders. In addition, bank cards can be divided into magnetic stripe cards and chip cards according to different information carriers; According to whether the issuer is in China, it is divided into domestic cards and overseas cards; It is divided into personal cards and unit cards according to different issuers; According to the different currencies of accounts, they are divided into RMB cards, foreign currency cards and dual currency cards.

1, debit card

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.

Debit card can be used for online or POS consumption or ATM transfer and withdrawal, and cannot be overdrawn. Interest is paid on the amount in the card according to the current deposit. When spending or withdrawing money, the funds are directly withdrawn from the savings account. Debit cards usually require a password when used. Debit cards can be divided into ordinary cards, gold cards and platinum cards according to their grades; According to the scope of use, it can be divided into domestic cards and international cards.

2. Credit card

Credit cards are divided into credit cards and quasi-credit cards. 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.

(1) credit card

Credit card, usually called credit card, refers to the credit card that the issuing bank gives the cardholder a certain credit line, within which the cardholder can spend first and then repay. It has the following characteristics: consumption before repayment, interest-free repayment period (up to 56 days), minimum repayment amount, and repayment by installments when customers overdraw. Customers need to pay a certain annual fee to the bank they apply for, and each bank is different.

(2) Quasi-credit card

Quasi-credit card is a single-currency single-account credit card, with interest-bearing deposits in RMB, which is used for credit card consumption, and has the functions of transfer settlement, cash deposit and withdrawal, credit consumption, online banking transactions and so on. When the balance of credit card consumption and cash withdrawal account is insufficient to pay, the cardholder can overdraw consumption and cash withdrawal within the specified limited credit limit and charge a certain interest. There is no interest-free repayment period.

Quasi-credit card is a kind of credit card with China characteristics, and there is no such credit card abroad. At the end of 1980s, China banking introduced credit card products from abroad. Because the personal credit system in China was not perfect at that time, China's banking industry carried out some reforms on foreign credit card products, changing the traditional interest-free and interest-free overdraft of foreign credit card deposits into deposit interest-bearing and overdraft interest-bearing ones.

Quasi-credit card has some functions of credit card and debit card. Generally, it is necessary to pay a deposit or provide a guarantor. When using, deposit first and then consume, and deposit pays interest. When shopping, the cardholder can make a small overdraft within the limit approved by the issuing bank, but the overdraft amount bears interest from the date of overdraft, and the arrears must be paid off in one lump sum. There is no interest-free repayment period and minimum repayment amount, and its basic functions are transfer settlement and shopping consumption.