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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借记卡和信用卡的区别主要有哪些？
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　　银行卡分为信用卡和借记卡,信用卡又分为贷记卡和准贷记卡。借记卡是普通储蓄卡,属于活期存款账户,可以用于消费、ATM存取款等;信用卡可以用于消费、ATM存取款等,还可以透支,这也是信用卡和借记卡的最大区别。
　　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。准贷记卡是指持卡人先按银行要求交存一定金额的备用金,当备用金不足支付时,可在发卡银行规定的信用额度内透支的信用卡。
　　这名工作人员说,信用卡发卡需符合相关条件(如工作单位的情况、还款能力的考核、个人信用记录的审评等),借记卡只要有身份证就可以了;信用卡是(产品)先消费后还款,借记卡是先存款后使用;信用卡可以透支,借记卡不可以透支;信用卡持卡人在最后还款日前全额还款的,购物消费享有免息还款期;信用卡存款不计息,借记卡存款按储蓄利率计;信用卡属于资产业务,借记卡属于负债业务;信用卡有防伪标识和银联标识,借记卡只有银联标识。
本文内容来源于网络，其观点仅作为参考，不构成投资建议。
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　　核心内容：和借记卡的区别有哪些？信用卡可以透支，借记卡不可以透支。办理条件，信用卡需要一定条件，而借记卡持身份证就可办理。信用卡影响信用档案，而借记卡跟信用无关等等。法律快车小编在下面为您一一介绍。
　　下面主要列举一下信用卡和借记卡的几个区别：
　　1、信用卡能透支，且要按时还钱，储蓄卡(借记卡)不能。 因为，储蓄卡是银行用你的钱借给别人来赚钱；信用卡是银行将别人的钱借给你来赚钱。总之，在银行赚钱的同时，你也得到了相应的方便和实惠，这就叫做双赢。
　　2、信用卡办理需要一定条件且与透支额度有关；储蓄卡有身份证就行。
　　3、储蓄卡的钱是你自己存的，取出来也是取自己的；信用卡即使你没用它的钱，并且你还存钱进去，但你取钱的时候，取的却不是你的钱，你照样要付利息。
　　4、信用卡可以没有密码，只要签名；储蓄卡必须要密码。
　　5、信用卡比储蓄卡更安全，信用卡掉了没关系，不是你签名的消费银行负责；储蓄卡掉了，被取了钱，自己负责。
　　6、信用卡可以影响你的信用档案，而储蓄卡基本上与信用无关。
　　7、信用卡消费，每月都会有详细的消费记录发给你；而储蓄卡没有此服务。
　　8、信用卡消费可以预授权，即先冻结我这么多钱，到结账的时候扣除我应该支付的金额，如住酒店，订机票等。
　　9、信用卡活动多，储蓄卡基本没有。
　　10、信用卡不是人人都有，不是人人都愿意用，只是接受快慢的问题；储蓄卡几乎人手N张。
　　另外，个人建议，储蓄卡你可以根据不同需要办理多个银行的卡；但信用卡是尽量要一张，因为它的管理对时间要求较高，以免给自己带来不必要的麻烦和损失。
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请问借记卡和信用卡有什么区别？
是什么卡？
借记卡与信用卡区别大
10:57:25 [来源]：热线论坛
“十一”期间游玩或消费，难免会用银行卡支取现金，不同银行卡的使用环境不同，所产生的额外费用也不同。市民使用银行卡取现时最好注意其中差别。
用银行卡取现金通常有两种方式，一种是借记卡取现，另一种就是信用卡取现。对于借记卡取现，持卡人可在银行柜台或自助设备上办理。对于柜台
取现，一般银行规定本行本地卡不收取费用，对于利用取款机取现，多数银行对于使用本地本行的设备不收费，跨行取款的费用视各行要求不同，费用多在2元-4元，且一天之内在ATM上取现金额不能超过2万元，每次不能超过2000元-2500元，具体情况各行略有差别。
而对于信用卡取现就复杂多了，大致可分为透支取现和非透支取现两种情况，持卡人可在自动取款机或银行柜台办理，但两种取现方式的费用不同。
如果信用卡中没有钱，直接刷卡预借现金，则取现手续费一般是交易金额的1%，最低费用多在10元左右；如是跨行取现，则会另收取2元-4元，发卡银行将从预借当日起，按照预借金额计收利息（不享有任何免息期）。
如果是信用卡非透支取现，即通常所说的信用卡中已有一
借记卡与信用卡区别大
10:57:25 [来源]：热线论坛
“十一”期间游玩或消费，难免会用银行卡支取现金，不同银行卡的使用环境不同，所产生的额外费用也不同。市民使用银行卡取现时最好注意其中差别。
用银行卡取现金通常有两种方式，一种是借记卡取现，另一种就是信用卡取现。对于借记卡取现，持卡人可在银行柜台或自助设备上办理。对于柜台
取现，一般银行规定本行本地卡不收取费用，对于利用取款机取现，多数银行对于使用本地本行的设备不收费，跨行取款的费用视各行要求不同，费用多在2元-4元，且一天之内在ATM上取现金额不能超过2万元，每次不能超过2000元-2500元，具体情况各行略有差别。
而对于信用卡取现就复杂多了，大致可分为透支取现和非透支取现两种情况，持卡人可在自动取款机或银行柜台办理，但两种取现方式的费用不同。
如果信用卡中没有钱，直接刷卡预借现金，则取现手续费一般是交易金额的1%，最低费用多在10元左右；如是跨行取现，则会另收取2元-4元，发卡银行将从预借当日起，按照预借金额计收利息（不享有任何免息期）。
如果是信用卡非透支取现，即通常所说的信用卡中已有一定的资金，持卡人需要取出其中的钱，则银行会按照取现金额的0.5%收费，最低金额一般在5元左右，最高在200元左右。
中行湖北分行理财师赵世杰提醒，信用卡主要是鼓励持卡人透支消费，存入其中的资金一般是没有利息的，而资金存入借记卡是有利息的，一般都是先存钱后消费，所以市民要留意其中的区别。
可以透支使用,就是跟银行借钱用,如果在规定期内还,可以不计利息,但借记卡不能透支,只能是有多少存款用多少,存款有利息.信用卡主要是鼓励持卡人透支消费，存入其中的资金一般是没有利息的，而资金存入借记卡是有利息的，一般都是先存钱后消费.
您的举报已经提交成功，我们将尽快处理，谢谢！
借记卡账号19位，没有透支额度，可办理存款取款、个人结算、电子银行、投资理财、自助缴费等多种业务。
借记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、买卖基金、炒股、缴费等众多功能，还提供了大量增值服务。借记卡也可以通过ATM转帐和...
储蓄卡只要有身份证就可以直接去银行柜面办理就可以，信用卡需要有收入证明才能办了，储蓄卡是需要自己先往卡里存钱在刷卡，信用卡是先刷卡消费在还款
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