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DARKICF 发表于 2013-3-5 06:11 
https://www.americanexpress.com/au/content/charge-cards/
这些都不是信用卡？那是啥卡？ ...
是不一样的。
Charge卡每个月必须还清，没有limit上限，可积分有年费，审查相对严格。Credit卡有信用额度，每个月可以换最低还款额，剩下的产生利息，有些没有年费。
http://en.wikipedia.org/wiki/Charge_card
A charge card is a card that provides a payment method enabling the cardholder to make purchases which are paid for by the card issuer, to whom the cardholder becomes indebted. The cardholder is obligated to repay the debt to the card issuer in full by the due date, usually on a monthly basis, or be subject to late fees and restrictions on further card use.
Though the terms charge card and credit card are sometimes used interchangeably, they are distinct protocols of financial transactions. Credit cards are revolving credit instruments that do not need to be paid in full every month. There is no late fee payable so long as the minimum payment is made at specified intervals (usually every thirty days). The balance of the account accrues interest, which may be backdated to the date of initial purchase. Charge cards are typically issued without spending limits, whereas credit cards usually have a specified credit limit that the cardholder may not exceed. |
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