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工行牡丹贷记卡和信用卡的区别
更新时间: 2020-11-11 00:00:00  

工行牡丹贷记卡是信用卡的一种,二者没有区别。信用卡按是否向发卡银行交存备用金分为贷记卡、准贷记卡两类。贷记卡信用额度取决于个人在申请程序中提供的有效收入和资产担保价值。

贷记卡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。而准贷记卡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,利息从透支之日起算。

贷记卡账户的存款不计利息,准贷记卡账户的存款计利息。

关键词: 工行 牡丹 信用卡 区别

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