说说信用卡(贷记卡)和储蓄卡(借记卡)的区别_百度文库
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说说信用卡(贷记卡)和储蓄卡(借记卡)的区别
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信用卡和借记卡的区别之处
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　　信用卡另一种说法为贷记卡，是一种非现金交易付款的方式，是简单的信贷服务。借记卡是指先存款后消费(或取现)没有透支功能的银行卡。现在这两种卡基本都是人手一张的，那么这两种卡又有什么区别之处呢?　　1、信用卡可透支，借记卡不能　　信用卡与借记卡最本质的区别就是前者可以透支，而后者不能。信用卡透支方式有三种、刷卡消费、网上购物、取现。其中，使用信用卡消费和用信用卡网上购物是，银行都不会收取手续费，而且只要持卡人在最后还款日前把透支额度还上，银行也不会收取利息。　　2、用信用卡取现时，银行不但会收取手续费还会收取利息;而用借记卡取现时，银行只收取手续费　　持卡人用信用卡在ATM机或柜台上取现时，银行都会收取一定的手续费，而且该费用比借记卡取现要高得多，同时还会按日息万分之五收取利息。　　3、往信用卡中存钱，银行不会计算利息;而往借记卡中存钱，银行会计算利息　　持卡人若往信用卡中存钱，银行是不会给您算利息的，而往借记卡中存钱时，在客户没有约定存款方式的情况下，银行会按活期存款计息。　　4、取信用卡中的余额，银行会收取手续费;取借记卡中的余额，只要持卡人不异地或跨行取款，银行都不会收取手续费。&
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工薪贷 信用贷总利息：4.32万 分期 5967元/月借记卡和贷记卡有什么区别？
本文行家：
借记卡和贷记卡的区别 　　借记卡(Debit Card)是指先存款后消费(或取现)，没有透支功能的。其按功能不同，又可分为转帐卡(含储蓄卡)、专用卡及储值卡。是一种具有转账结算、存取现金、购物消费等功能的信用工具，它还附加了转账、买基金、炒股等众多理财等功能，还提供了大量增值服务。　　评论：借记卡也就是我们日常用的银行卡，消费者可以用它去缴水、电、煤、电话等公用事业费，甚至还可以办理银证转账和银券通炒股业务。现在不少银行都给借记卡赋予了强大的管家功能，消费者应当根据自己的实际利用率，尽可能把保留目标落在功能涵盖面较广、实用性较高的借记卡上。　　准贷记卡(Quasi-credit card)是指持卡人须先按发卡银行要求交存一定金额的备用金，当备用金帐户余额不足支付时，可在发卡银行规定的信用额度内透支的信用卡。　　评论：准贷记卡是很具有中国特色的一种金融产品。用户在卡内存入的备用金不仅有利息，还可以在备用金不够的情况下进行透支消费。但是需要注意的是，和信用卡不同这种透支是没有免息期的。　　信用卡(Credit Card)是指发卡银行给予持卡人一定的信用额度，持卡人可在信用额度内先消费，后还款的信用卡。贷记卡是真正意义上的信用卡，具有信用消费、转账结算、存取现金等功能。　　评论：实际上在国外信用卡就是贷记卡，由于在中国境内信用卡并没有普及，所以为了推广贷记卡市场便产生了准贷记卡，我们可以理解成：贷记卡=信用卡+准贷记卡。而信用卡和准贷记卡的区别就在于其不用事先存入保证金，可利用本身的信用额度消费并享有20天至50天左右的免息期。但需要注意的是，存入信用卡的资金没有利息。
参考资料：
[1] 我爱卡
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得意不要忘形，失意不要失志。查看: 10961|回复: 9
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你好，绿卡是记录存款的，绿卡通则是记录借款的，
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Copyright &在美国用信用卡和借记卡的区别
前几天我在网上看到一篇英语文章，说的是信用卡和借记卡的区别。我看后，为了确保没有误解文章的具体内容，我就把英语的文章发给了我的同学 H
，让她也看看，一来让她也注意一下银行的规则，二来也确保我没有理解错。本来是觉得她看过后，我们电话里说一下就可以了。。谁知道她竟然翻译好了中文发给了我。。她说她是火速简单翻译的，只是一个大概的意思，翻译的时候没有非常确切的咬文嚼字，翻译了一个大概。
我虽然基本上都不用银行卡，但是，我还是要知道银行卡的游戏规则的。。哈哈。。
下面是她翻译的文章，文章的后面也附了原来的英文文章。。
信用卡和借记卡的区别
1. 不要用借记卡在网上付款。
如果卡号被偷，银行账户会不安全，因为借记卡直接和银行账户连接。
在卡号被偷的2天内和银行报失，联邦规例，顾客只负责付$50. 很多银行甚至不要自己的顾客付钱。
但这些保护措施还是不能减免顾客的麻烦，比如把钱再重新打回帐户，账户余额太低要交费，支票不能兑现。。
所以一般人首先用信用卡在网上付款。
购买大物件，用信用卡比较安全。当购买的商品有问题，信用卡提供争辩的权利。借记卡只有很少的保护。
有的信用卡还提供扩展保证。有的卡还提供附加商品保险。
二个注意事项：每月余额的利率很高，不要用商店的推迟利率。
3. 预存款要求
有人要租一修房的设备，商店有预存款要求。这时用信用卡好。这样，商店有了安全存款，你还可以用你银行里所有的钱。
信用卡和借记卡的卡号被偷，经常是发生在餐馆里。
理由：餐馆是少数几个卡离开你手的地方。
借记卡的另一个问题：银行会假设你要付小费，所以锁住多于账单的钱数。几天以后，才会把多锁住的钱重放入账户。
如果你是商店的新顾客，最先的几次购物，不要用借记卡。用借记卡前，先感觉一下商店的运作，他怎样对待你，以及产品的质量。
6. 先买后送交
如果是先买后送交，信用卡比借记卡提供争辩的权利。
7. 定期付款
用信用卡。
用借记卡的话，如果忘了定期付款，账户余额太低要交费，或会有其他尴尬。
用借记卡的话，尽管旅行是一段时间以后的事，但钱马上从你账户里取出。
还有，旅店也受黑客的攻击。你不想要你的银行账户在旅店的系统里躺上几个月吧。
9. 加油站和旅馆
这个根据每人情况而定。用借记卡的话，银行可能锁定你帐户中多于账单的金额。
在旅店，你最好问清楚预存款要求。在加油站，选折输入密码的方式，这样只从你账户里取你消费的钱数。
10. 签出和取钱
罪犯越来越会把略读器安放在你最不注意的地方，像ATM或银行里。
所以，下次注意看ATM和无人签出，看看设备有没有很好的组合在一起，有没有给人篡改过。
"You don't use a debit card online," says Susan Tiffany,
director of consumer periodicals for the Credit Union National
Association. Since the debit card links directly to a checking
account, "you have potential vulnerability there," she says.
Her reasoning: If you have problems with a purchase or the card
number gets hijacked, a debit card is "vulnerable because it
happens to be linked to an account," says Linda Foley, founder of
the Identity Theft Resource Center. She also includes phone orders
in this category.
The Federal Reserve's Regulation E& (commonly
dubbed Reg E), covers debit card transfers. It sets a consumer's
liability for fraudulent purchases at $50, provided they notify the
bank within two days of discovering that their card or card number
has been stolen.
Most banks have additional voluntary policies that set their own
customers' liability with debit cards at $0, says Nessa Feddis,
vice president and senior counsel for the American Bankers
Association.
But the protections don't relieve consumers of hassle: The
prospect of trying to get money put back into their bank account,
and the problems that a lower-than-expected balance can cause in
terms of fees and refused checks or payments, make some online
shoppers reach first for credit cards.
2. Big-Ticket Items
With a big ticket item, a credit card is safer, says Chi Chi Wu,
staff attorney with the National Consumer Law Center. A credit card
offers dispute rights if something goes wrong with the merchandise
or the purchase, she says.
"With a debit card, you have fewer protections," she says.
In addition, some cards will also offer extended warrantees. And
in some situations, such as buying electronics or renting a car,
some credit cards also offer additional property insurance to cover
Two caveats, says Wu. Don't carry a balance. Otherwise, you also
risk paying some high-ticket interest. And "avoid store cards with
deferred interest," Wu advises.
3. Deposit Required
When Peter Garuccio recently rented some home improvement
equipment at a big-box store, it required a sizable deposit. "This
is where you want to use a credit card instead of a debit," says
Garuccio, spokesman for the national trade group American Bankers
Association.
That way, the store has its security deposit, and you still have
access to all of the money in your bank account. With any luck,
you'll never actually have to part with a dollar.
4. Restaurants
"To me, it's dangerous," says Gary Foreman, editor of the
frugality minded Web site The Dollar Stretcher. "You have so many
people around."
Foreman bases his conclusions on what he hears from readers.
"Anecdotally, the cases that I'm hearing of credit or debit
information being stolen, as often as not, it's in a restaurant,"
The danger: Restaurants are one of the few places where you have
to let cards leave your sight when you use them. But others think
that avoiding such situations is not workable.
The "conventional advice of 'don't let the card out of your
sight' -- that's just not practical," says Tiffany.
The other problem with using a debit card at restaurants: Some
establishments will approve the card for more than your purchase
amount because, presumably, you intend to leave a tip. So the
amount of money frozen for the transaction could be quite a bit
more than the amount of your tab. And it could be a few days before
you get the cash back in your account.
5. You're a New Customer
Online or in the real world, if you're a first-time customer in
a store, skip the debit card the first couple of times you buy,
says Breyault.
That way, you get a feel for how the business is run, how you're
treated and the quality of the merchandise before you hand over a
card that links to your checking account.
6. Buy Now, Take Delivery Later
Buying now but taking delivery days or weeks from now? A credit
card offers dispute rights that a debit card typically does
"It may be an outfit you're familiar with and trust, but
something might go wrong," says Breyault, "and you need
protection."
But be aware that some cards will limit the protection to a
specific time period, says Feddis. So settle any problems as soon
as possible.
7. Recurring Payments
We've all heard the urban legend about the gym that won't stop
billing an ex-member's credit card. Now imagine the charges aren't
going onto your card, but instead coming right out of your bank
Another reason not to use the debit card for recurring charges:
your own memory and math skills. Forget to deduct that automatic
bill payment from your checkbook one month, and you could either
face fees or embarrassment (depending on whether you've opted to
allow overdrafting or not). So if you don't keep a cash buffer in
your account, "to protect yourself from over-limit fees, you may
want to think about using a credit card" for recurring payments,
says Breyault.
8. Future Travel
Book your travel with a check card, and "they debit it
immediately," says Foley. So if you're buying travel that you won't
use for six months or making a reservation for a few weeks from
now, you'll be out the money immediately.
Another factor that bothers Foley: Hotels aren't immune to
hackers and data breaches, and several name-brand establishments
have suffered the problem recently. Do you want your debit card
information "to sit in a system for four months, waiting for you to
arrive?" she asks. "I would not."
9. Gas Stations and Hotels
This one depends on the individual business. Some gas stations
and hotels will place holds to cover customers who may leave
without settling the entire bill. That means that even though you
only bought $10 in gas, you could have a temporary bank hold for
$50 to $100, says Tiffany.
Ditto hotels, where there are sometimes holds or deposits in the
hundreds to make sure you don't run up a long distance bill, empty
the mini bar or trash the room. The practice is almost unnoticeable
if you're using credit, but can be problematic if you're using a
debit card and have just enough in the account to cover what you
At hotels, ask about deposits and holds before you present your
card, says Feddis. At the pump, select the pin-number option, she
says, which should debit only the amount you've actually spent.
10.& Checkouts or ATMs That Look
Criminals are getting better with skimmers and planting them in
places you'd never suspect -- like ATM machines on bank property,
says Foley.
So take a good look at the machine or card reader the next time
you use an ATM or self-check lane, she advises. Does the machine
fit together well or does something look off, different or like it
doesn't quite belong? Says Foley, "Make sure it doesn't look like
it's been tampered with."
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