ICBC cards are all savings cards. Why are color pictures different?

The blue card is our usual card. We can go to the bank by ourselves at ordinary times. This is basically the card.

The second one should be a customized version, which is customized by the enterprise and should be an employee salary card.

Bank cards are divided into credit cards and debit cards.

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

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.

2. Bank card application

Individuals applying for bank cards must provide their valid identity documents stipulated by the public security department; The unit applies to the People's Bank of China for a permit to open a basic account.

The cardholder may ask the issuing bank for the articles of association of the bank card, stating the types of the bank card, restrictions on use, interest-bearing charges and the rights and obligations of both parties.

3. Use of bank cards

Bank cards and their accounts are for the cardholder's own use only, and may not be rented or lent.

According to the types of bank cards, cardholders can enjoy the following services:

(1) Consumption: Cardholders can spend money or pay service fees in special merchants according to the scope and method of use specified by the issuing bank. Usually, they can pay in cash by showing their bank cards and entering reserved passwords or showing their identity documents.

(2) Deposit and withdrawal, remittance: Cardholders can use bank cards for deposit and withdrawal (including off-site and inter-bank withdrawals) and remittance.

(3) Overdraft: Credit card holders can also apply for a certain amount of credit overdraft.

(4) Use of the business card: Cash is not allowed to be deposited or withdrawn in the business card, and all the funds in the business card are transferred out of basic account and deposited. The unit card can handle the settlement of commodity trading and labor supply funds, but it shall not be overdrawn.

4. Interest bearing and charging of bank cards: Banks do not pay interest on deposits in credit cards and stored-value cards. Interest shall be paid on the deposits of quasi-credit cards and debit cards (excluding stored-value cards) in accordance with the regulations of the People's Bank of China.

Credit card overdrafts for non-cash transactions can enjoy an interest-free repayment period of up to 60 days. During the interest-free repayment period, the cardholder does not need to pay overdraft interest for non-cash transactions.

However, if the cardholder overdraws beyond the credit limit stipulated by the bank or chooses the minimum repayment amount (the credit card cardholder cannot repay in full during the interest-free period, but chooses to repay according to the minimum repayment amount stipulated by the issuing bank), he will no longer enjoy interest-free treatment.

When a credit card holder withdraws cash or overdraws a quasi-credit card, he does not enjoy the interest-free repayment period and the minimum repayment amount, and pays overdraft interest at the rate of five ten thousandths of daily interest.

If the credit card overdraft exceeds the bank's credit limit and the minimum repayment amount cannot be returned, the bank will charge 5% of the overdraft limit and the minimum repayment amount for the unpaid part.