玩转信用卡】你身边贴心的用卡服务专家！ 0信用卡基础知识大全目录基础知识篇 ........................................................................................................................................31、什么是信用卡？ ..................................................................................................................32、信用卡有哪些分类？ ..........................................................................................................33、信用卡的外观都包括哪些内容？ ......................................................................................4信用卡正面一般包括以下内容： ....................................................................................4信用卡的背面则有以下内容： ........................................................................................44、附卡与主卡有什么关系？ ..................................................................................................45、信用卡有哪些优势？ ..........................................................................................................56、信用卡有哪些缺点 ..............................................................................................................57、信用卡可以看作货币吗？ ..................................................................................................78、信用卡与货币有什么区别？ ..............................................................................................79、信用卡与现金、支票有什么区别？ ..................................................................................810、信用卡与票据有什么不同？ ............................................................................................911.信用卡是同质的金融产品吗？ ...........................................................................................912、信用卡的运作流程是怎么样的？ ..................................................................................1013.使用信用卡消费后的结算流程是怎样进行的？ .............................................................1014.为什么说信用卡同时具有支付和信贷功能？ .................................................................1015.为什么说信用卡不同于透支放款和其他消费者信贷？ .................................................1116.受理银行卡对于特约商户有哪些好处呢？ .....................................................................1117、发放信用卡对银行有哪些好处呢？ ..............................................................................1318.持卡人有什么义务？ .........................................................................................................13常识篇 ..............................................................................................................................................141.什么是信用额度？ ...............................................................................................................142.初始信用额度如何制订？ ...................................................................................................143.什么是可用额度？ ...............................................................................................................144.什么是账单日？ ...................................................................................................................155.什么是到期还款日？ ...........................................................................................................156.什么是免息还款期？ ...........................................................................................................157.什么是最低还款额？ ...........................................................................................................15最低还款额计算公式如下： ..........................................................................................168.什么是滞纳金？ ...................................................................................................................169.什么是超限费？ ...................................................................................................................1610.什么是宽限期？ .................................................................................................................1611.什么是循环信用？循环利息的计算方法？ .....................................................................17循环利息计算法则 ..........................................................................................................17循环利息计算方式 ..........................................................................................................1712.什么是特约商户？特惠商户? ...........................................................................................18【玩转信用卡】你身边贴心的用卡服务专家！ 113.什么是销售点终端-POS（PointofSale）？ .....................................................................18快捷、可靠，POS 主要有以下两种类型： .................................................................1814.什么是信用度和信用度评估？ .........................................................................................1915.额度越高越好么？ .............................................................................................................19开卡篇 ..............................................................................................................................................201、信用卡的办理银行 ............................................................................................................20平安银行 ....................................。