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What types of bank card business are there?

Bank cards are divided into credit cards and debit cards, and credit cards are also divided into credit cards and quasi-credit cards. The following are the details of the bank card:

I. Debit card

Debit card is a credit tool issued by the issuing bank to the society, which has the functions of transfer settlement, cash deposit and withdrawal, shopping consumption and so on. Most of the salary cards used by friends are debit cards.

Second, quasi-credit cards.

Quasi-credit card is also a kind of credit card with China characteristics, which came into being when China's credit mechanism is not perfect. Its appearance and development laid the foundation for the popularization of credit cards.

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 it, it is required to deposit before consumption, and the deposit pays interest. When shopping, you can make a small overdraft within the amount approved by the issuing bank, but the overdraft amount will bear 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.

Third, credit cards.

Credit card, in a narrow sense, is also a credit card, which is a payment card that provides cardholders with consumer credit. Cardholders can "buy first and pay later" without having to deposit in the issuing bank.

The core features are credit sale and revolving credit. Generally, the issuing bank sends a bill to the cardholder once a month, and the cardholder can choose to pay off the account interest-free within a certain grace period after receiving the bill; Either pay part of the bill, or only pay the minimum amount, and pay interest later.

Bank cards also have the following types:

According to the different information storage media, it can be divided into magnetic stripe card, chip card and magnetic stripe chip composite card.

According to different payment methods, it can be divided into credit card, quasi-credit card and debit card;

According to different settlement currencies, it can be divided into foreign currency cards and local currency cards;

According to the amount of account currency, it can be divided into single currency card, dual currency card and multi-currency card;

According to different affiliation, it can be divided into main card and auxiliary card;

According to different card issuers, it can be divided into corporate cards (enterprise cards, business cards) and personal cards;

According to the cardholder's credit status and credit status, it can be divided into platinum card, gold card and ordinary card;