According to the Measures for the Administration of Bank Card Business:

Article 5

Bank cards include credit cards and debit cards. Bank cards are divided into RMB cards and foreign currency cards according to different currencies; According to the different issuing banks, it can be divided into corporate cards (business cards) and personal cards; According to different information carriers, it can be divided into magnetic stripe card and ic card.

Article 6

Credit cards are divided into credit cards and quasi-credit cards according to whether the reserve fund is deposited with the issuing bank. 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 must first deposit a certain amount of reserve fund according to the requirements of the issuing bank, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.

Article 7

Debit cards are divided into transfer cards (including savings cards, the same below), special cards and stored value cards according to different functions. Debit cards have no overdraft function.

Article 8

Transfer card is a debit card for real-time deduction. It has the functions of transfer settlement, cash deposit and withdrawal and consumption.

Article 9

A special card is a debit card that has a special purpose and is used in a specific area. With transfer settlement and cash deposit and withdrawal functions. Special use refers to use outside department stores, restaurants, restaurants and entertainment industries.

Article 10

Stored value card is a prepaid wallet debit card in which the issuing bank transfers its funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.

Article 11

Co-branded card/Co-branded card is a bank card supporting product jointly issued by commercial banks and profit/non-profit organizations. The types of attached bank cards must be those approved by the People's Bank of China, and the corresponding business articles of association or management measures shall be observed.

The issuing bank and the joint entity shall provide a certain percentage of preferential or special services to the joint cardholder of the joint entity; The cardholder receives the ID card to show his support for the identity unit and enterprise.

Extended data:

According to the Measures for the Administration of Bank Card Business:

Article 28

Individuals applying for bank cards (except stored-value cards) shall provide their valid identity documents specified by the public security department to the issuing bank, and open a registered account for them after passing the examination by the issuing bank.

To open a basic deposit account, a domestic financial institution shall apply for a corporate card with an account opening permit issued by the People's Bank of China; Bank cards and their accounts are only used by cardholders approved by the issuing bank, and may not be rented or lent.

Article 29

The funds in the RMB card account of the company are transferred out of basic deposit account and deposited, and cash is not allowed to be accessed, and the sales income is not allowed to be deposited in the company card account.

Article 30

The funds in the unit's foreign currency card account shall be transferred and deposited in the unit's foreign exchange account, and foreign currency cash shall not be accessed in China. Its foreign exchange account shall meet the following conditions:

(a) in line with the relevant provisions of the people's Bank of China on the management of domestic foreign exchange accounts;

(2) There are corresponding payment contents within the income and expenditure range of its foreign exchange account.

Baidu Encyclopedia-Measures for the Administration of Bank Card Business