贷记卡和信用卡的区别
关键词：贷记卡和信用卡的区别
人们常常会混淆贷记卡和信用卡，对两者之间的区别也表示不解。那么，你知道贷记卡和信用卡的区别吗？作为一个生活在这个金融世界里，无论你是普通的老百姓，还是金融界的老手，你必须要了解一番。
目前，很多卡友都会发现银行发行的银行卡主要是有两大类：贷记卡和借记卡。而贷记卡又分为信用卡和准贷记卡两种。
一、什么是借记卡
借记卡：是指先存款后消费(或取现)，没有透支功能的信用卡。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。
二、什么是贷记卡
在中国境内，人们一般把贷记卡分为信用卡和准贷记卡。所以，贷记卡是包含信用卡在内。在中国境外，人们却把贷记卡等同于信用卡，它们是一样的性质，只是称呼不一样。在本文中，我们主要根据“中国境内”这一标准来对贷记卡进行解析。
1、信用卡：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。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。
2、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。
本文来源： 大田环球贵金属
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