1, the issuing bank is different: credit cards need to be applied in banks, and prepaid cards are generally sold in supermarkets.
2. Different payment methods: Credit cards are consumed in advance, and prepaid cards have been recharged in the cards. When paying, the prepaid card is filled with the money already paid in the card.
3. Different ways of obtaining: credit cards need my ID card to go to the bank, which comes from the real-name registration system; Prepaid cards are anonymous and can be purchased by yourself or by others.
4. Different places of use: Credit cards can be used in places with POS machines, and prepaid cards can only be used in card purchasing units. For example, prepaid cards issued by Wal-Mart can only be used in Wal-Mart supermarkets.
Extended data
Commercial prepaid cards can be divided into single-purpose prepaid cards and multi-purpose prepaid cards according to the different scope of use.
1, single-use prepaid card
Single-purpose prepaid card is a kind of prepaid card issued by card issuers, which is only used to buy goods or services in enterprises of the same brand or chain commercial enterprises. Including scale card issuing, group card issuing and brand card issuing.
Cases: such as Suning Card, Wal-Mart Card, Carrefour Card, Parkson Card, Beauty Card, etc. , can only be used within the card issuing enterprise.
2. Multipurpose prepaid cards
Multi-purpose prepaid card is a kind of prepaid card issued by the card issuer, which can be used by enterprises or merchants outside the card issuer to purchase goods or services, and can be used across regions, industries and legal persons.
Cases: Shang Tong Card, Fuka Card, Xinsheng Easy Card, Huanfutong Card, Lian Xin Card, etc. Shopping malls, convenience stores, restaurants and many other contracted customers can use it.
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