When you first hear the word "prepaid card", you may feel strange, but it is not far away from us. For example, SIM cards of mobile phones and fitness cards of gyms are all prepaid cards. Prepaid cards are also called stored value cards and consumption cards. As the name implies, it is a card that pays first and then consumes.

Classification of prepaid cards

Prepaid cards can be divided into single-purpose prepaid cards and multi-purpose prepaid cards according to their uses.

Single-purpose prepaid card: a prepaid card issued by a commercial enterprise and only used to buy goods or services in the enterprise or chain enterprises of the same brand. Such as Suning gift card, Carrefour card, beauty card and fitness card. , can only be used in these card issuing enterprises. Multi-purpose prepaid card: a prepaid card issued by a card issuer, which can be used to purchase goods or services from enterprises or merchants outside the issuer, and can be used across regions, industries and legal persons. Such as Shang Tong Card and Fuka, can be used by many contracted customers such as shopping centers, convenience stores and restaurants. The difference between prepaid card, bank savings card and credit card

Prepaid cards are widely used, which can replace bank cards to some extent and become people's main consumption tools. But prepaid cards and bank cards are essentially different.

Issuer: Prepaid card issuers can be divided into two categories. One is the exclusive card issuer, which issues multi-purpose prepaid cards that can be used across regions, industries and legal persons. The other is a commercial enterprise, which issues a single-use prepaid card for purchasing goods and services in the enterprise or a chain commercial enterprise of the same brand. Bank cards are only issued by banks. Consumption mode: the amount in the prepaid card cannot be overdrawn. If you buy things with a prepaid card, the amount you can pay is the "prepaid" amount in the prepaid card. Bank cards are divided into savings cards and credit cards. Savings cards can only consume or withdraw the amount in the card, while credit cards can be overdrawn. Scope of use: Prepaid cards are restricted by card issuers, and their use places are limited. Bank cards are more widely used than prepaid cards. Benefits of using prepaid cards

In order to attract customers, many merchants sell prepaid cards to customers. Prepaid cards can not only enjoy discounts, but also deposit rebates and other activities. Prepaid cards do bring convenience and benefits to life:

Safe. With a thin prepaid card, you can bring a lot of cash or not, which reduces the risk of being stolen and robbed. Convenient prepaid cards are not only convenient to carry, but also display the balance after shopping, which is very convenient to use and will not leave a pocket full of change. Easy to plan. With prepaid cards, family pocket money can be used according to the budget to avoid overspending. What should I pay attention to when using prepaid cards?

Prepaid cards are divided into registered cards and bearer cards. Registered cards can report the loss, but unregistered cards can't report the loss once they are lost, resulting in property losses. Therefore, after handling the prepaid card, you should keep the card well and take it with you when you consume it.

Prepaid cards have consumption restrictions. A prepaid card can only be used in the same card issuing system, not in more stores or in many industries. Therefore, when you apply for a prepaid card, you must confirm that you are your usual merchant, so that you can get certain discounts and avoid the card being idle. When handling large prepaid cards, you can consider co-organizing with familiar friends.

In addition, although prepaid cards are convenient, many companies that issue cards and transport mu frequently expose problems such as "running the road" and overlord clauses, which make consumers suffer losses. Before handling the prepaid card, it is best to check the reputation, business hours and financial status of the merchants and choose a trusted merchant to handle the card. If the dispute cannot be resolved, you can bring relevant evidence to the consumer association to complain or report to the industrial and commercial department. If a merchant absconds with money, he should report the case to the local public security organ in time and recover his property.

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