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Anonymous users2024-02-15The UnionPay card at the beginning may be a debit card (debit card) or a credit card, if you want to know the specific type, you can dial it at this time.
The guild charges a certain cost of production, and credit cards can be handled through different channels, in addition to bank counters, you can also apply online.
Reason. 2. CCB credit card starting with 62 is the standard credit card of UnionPay, which is a single-currency credit card, which can only be settled in RMB, and other bank cards starting with 9 and 60 also belong to China UnionPay, among which the cards starting with 62 and 60 are UnionPay cards that meet international standards, that is to say, they can be used in foreign stores that support UnionPay. There is no special meaning at the beginning of 62, just a logo, identifying the UnionPay channel that the card takes.
In fact, there is not much difference between the credit card at the beginning and other credit cards, how to use the card or how to use it, and when you go to the store to consume, you pay by swiping the card on the POS machine. It's just that because the card starting with 62 is a UnionPay standard single-currency credit card, it can only be swiped in RMB, which is different from those dual-currency credit cards, which support transactions in two currencies. For example, the RMB + USD dual currency card can be traded in both RMB and USD.
Also, because it is a UnionPay card, it can only go through the UnionPay channel; Other cards, like MasterCard, go through the MasterCard channel, and Visa cards go through the Visa channel. Whereas, Mastercard starts with the number 5, and Visa cards start with the number 4. You need to note that it is precisely because the card starting with 62 is a UnionPay card and takes the UnionPay channel, so it can basically only be used in China.
If you go abroad to spend, it is recommended to swipe MasterCard or Visa card, after all, foreign countries are mainly MasterCard channels and Visa channels.
4. The card number of the bank card is the number that identifies the information of the card issuer and the cardholder, which is composed of the following three parts: the card issuer identification ** (bin number), the card issuing bank custom digit, the check code, the bin number is the bank identification **, the full name of the English bankidentification is represented by 6 digits, appears in the first 6 digits of the card number, and is assigned by the International Organization for Standardization (ISO) to the bank card organizations engaged in inter-bank transfer and exchange.
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Anonymous users2024-02-14The cards that start with 62 are the logo of UnionPay cards, and all cards issued separately by UnionPay start with 62, which are in line with international standards.
Bank of China, Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China, Bank of Communications, China Merchants Bank and other UnionPay cards all start with 62.
Hope the answer will be useful to you.
UnionPay card.
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Anonymous users2024-02-13What you said is not entirely correct, whether it is the Agricultural Bank of China, the Postal Bank, the Bank of Communications, and the Rural Credit Cooperatives that start with 622, the Agricultural Bank of China that starts with 6228, the Postal Bank that starts with 6221, and the Bank of Communications that starts with 6222.
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Anonymous users2024-02-12There are many banks that start with 62, such as Zheshang Bank and Bank of China.
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Anonymous users2024-02-11There are a lot of 62 bank cards, but they are basically debit cards.
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Anonymous users2024-02-10At present, all the cards issued by UnionPay separately start with 62, which are UnionPay standard cards that meet international standards.
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Anonymous users2024-02-09All cards start with 62.
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Anonymous users2024-02-08Hello, the bank card starting with 62 is from ICBC.
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Anonymous users2024-02-0762 is the beginning of the standard UnionPay card, there is no big difference, but sometimes there are activities in banks or shopping malls, such as ** or something, and only standard UnionPay cards can participate.
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Anonymous users2024-02-06Bank cards starting with 62 belong to China UnionPay cards, and 43 belong to general credit cards. UnionPay cards not only have credit cards, but also UnionPay debit cards, which are cards with the word "UnionPay" added on the basis of general bank cards. Compared with general credit cards without UnionPay, bank cards issued by different banks can be used at ATMs and point-of-sale terminals with the "UnionPay" logo, providing consumers with convenient, fast and safe financial services.
1. The difference between a debit card and a credit card.
A credit card is a credit card in which the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and repay the loan later within the credit limit. A quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund according to the bank's requirements, and when the reserve fund is insufficient to pay, it can overdraft within the credit limit specified by the issuing bank.
Debit cards are divided into debit cards, special cards, and stored-value cards according to different functions. Debit cards cannot be overdrawn. Debit cards have the functions of transferring, depositing and withdrawing cash, and spending.
A special card is a debit card that is used in a specific area for a specific purpose (referring to the purpose other than the department store, restaurant, and entertainment industry), and has the functions of transferring money and depositing and withdrawing cash. A prepaid wallet-type debit card is a prepaid wallet-style debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and deducts the money directly from the card during the transaction.
The difference between the two can be simply understood as one is to save first and then use, and the other is to use first and then save, and the final consumption is your own money. Don't harbor empty gloves for the purpose of white wolves.
2. Precautions for credit cards.
If you go into debt beyond your spending power and use it too much and delay your repayment, such a huge amount of borrowing will inevitably have a negative impact on people. If the credit card debt ratio is too high, it will be difficult for the bank to obtain financing. If you have bad credit, you can't spend a lot of money, and your travel will be restricted.
In the case of insufficient bank funds, credit card and network financing services do help to alleviate economic pressure, but in order to solve temporary financial difficulties, in the case of using credit card services, what must be done is within the appropriate range of particularly strong, uncontrollable people, people who have no access to card financing and network services, unable to control their own consumption, unable to tolerate money, completely beyond the unbearable ability, there will be a huge amount of borrowing results are neither the original child, It also had a big impact on credit investigations.
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Anonymous users2024-02-05The card starting with 62 is mainly UnionPay, and the card starting with 43 is a Visa credit card.
Because the beginning of 43 is a Visa and UnionPay dual currency, not a UnionPay single-currency card, there are differences in the authorization and distribution of some benefits.
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Anonymous users2024-02-04Hello, the one that starts with 62 is a domestic UnionPay standard card.
Bank cards starting with 43 are UnionPay and Visa multi-currency cards.
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Anonymous users2024-02-03UnionPay cards of all banks start with 62. Because the scope of the UnionPay standard card BIN issued by the member institutions of China UnionPay is: 622126 622925, all of which are prefixed with "62", so it is also called the "62" prefix UnionPay return standard card.
This is because the standard card of UnionPay card is customized and issued in accordance with the business and technical standards of China UnionPay. The face of the UnionPay card bears the unique "UnionPay" logo. In addition, the card issuer identification number (bin) is a bank card that has been assigned and confirmed by China UnionPay.
Therefore, at present, the standard card bin of UnionPay issued by China UnionPay member institutions starts with "62".
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