How to obtain credit card authorization code

"Authorization code" refers to the 16-digit authorization code given by the counter staff when you go to the outlet to apply for a new professional card with a valid ID card and a debit card to be associated. At the same time, the system will send an authorization code message to your reserved mobile phone (note: if you do not reserve a mobile phone number, it will not be sent).

Credit card type

According to different card issuers, it can be divided into bank cards and non-bank cards.

Bank card. This is a credit card issued by the bank. Cardholders can shop in stores authorized by the issuing bank, and they can also withdraw cash at any outlets or ATMs owned by the issuing bank at any time.

Non-bank card. This card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations such as department stores and oil companies, which are used to buy goods at designated stores or gas stations and to settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service enterprises for air tickets, catering, accommodation, entertainment and other services.

According to the different issuing banks, it can be divided into corporate cards and personal cards.

Company card. Company certificates are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal persons.

Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed individuals and other urban and rural adult residents with stable income sources. Personal cards are issued in the name of individuals who are fully responsible for the use of the cards.

Cardholders' credit status, status and other credit and credit status are different, which can be divided into ordinary cards and gold cards.

An ordinary card. Ordinary cards are for economic strength and credit, and the status of ordinary cardholders is not high for them.

Gold card. Gold card is a kind of advanced credit card with high membership fee and special treatment. This card is issued to people with high credit standing, strong repayment ability, good credit or certain social status. Gold card has a high credit line, a wide range of additional services, and high requirements for corresponding service fees and deposits.

According to different repayment methods, credit cards can be divided into debit cards and quasi-debit cards.

Debit card. When the issuing bank provides bank credit, it overdraws first, and then repays or installments. At present, this card is widely used in the world. In other words, the cardholder is allowed to have no deposit in the credit card account, and the settlement method is "consumption first and then deposit". Most cards in international circulation are of this type.

Quasi-debit card. It is a credit card issued by the bank for deposit before consumption. When applying for a credit card, the cardholder needs to deposit a certain amount in the issuing bank in advance as a reserve fund. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed.

Credit cards can be divided into international cards and regional cards according to the different circulation quotas.

International card. International card is a kind of credit card that can be used outside the issuing country and around the world. MasterCard, Visa, American Express, JCB and Diners Club issued by five overseas groups are mainly international cards.

Area card. Regional cards are credit cards that can only be used in the issuing country or specific region. Most credit cards issued by commercial banks in China belong to regional cards.