체크카드, 신용카드, 직불카드의 차이-금감원

가. 신용카드라 함은 가맹점에서 사용 후 일정한 신용공여 후 정해진 결제일에 사용한 금액을 회원이 사전에      약정하거나 사용시점에서 지정하는 방식으로 납부 또는 계좌에서 자동이체되는 카드를 말합니다.   나. 직불카드는 직불카드회원과 가맹점간에 전자 또는 자기적 방법에 의하여 금융거래계좌에서 이체하는 등의      방법으로 물품 또는 용역의 제공과 대가의 지급을 동시에 이행할 수 있도록 신용카드업자가 발행한 증표를      말합니다.   다. 체크카드는 직불카드의 경우 별도가맹점을 따로 모집하여야 하고 은행영업외 시간에 사용이 불가하다는      단점을 보완하여 계좌를 통한 즉시결제라는 직불카드의 특성은 그대로 가지되 신용카드 가맹점을 이용해      24시간 이용이 가능하게 만든 카드입니다. 자세한 비교는 아래표를 참조하세요.   카드 종류별 비교  <TABLE style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; BORDER-BOTTOM: #000000 0.28pt solid; BORDER-COLLAPSE: collapse"> <TBODY> <TR> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BACKGROUND: #e5e5ff; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 70.67pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 44.6pt" vAlign=center> 구 분</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BACKGROUND: #e5e5ff; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.56pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 44.6pt" vAlign=center> 직불카드</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BACKGROUND: #e5e5ff; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.6pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 44.6pt" vAlign=center> 체크카드</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BACKGROUND: #e5e5ff; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.6pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 44.6pt" vAlign=center> 신용카드</TD></TR> <TR> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 70.67pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 30.4pt" vAlign=center> 1. 사용가능 가맹점</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.56pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 30.4pt" vAlign=center> - 직불카드가맹점 (약 30만개)</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.6pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 30.4pt" vAlign=center> - 신용카드가맹점 (약 150만개)</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.6pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 30.4pt" vAlign=center> - 신용카드가맹점 (약 150만개)</TD></TR> <TR> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 70.67pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 14.8pt" vAlign=center> 2. 발급기관</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.56pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 14.8pt" vAlign=center> - 신용카드사(겸영은행 및 전업카드사)</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.6pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 14.8pt" vAlign=center> - 은행</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.6pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 14.8pt" vAlign=center> - 신용카드사(겸영은행 및 전업카드사)</TD></TR> <TR> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 70.67pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 38.92pt" vAlign=center> 3. 지불방식</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.56pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 38.92pt" vAlign=center> - 전자자금이체</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.6pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 38.92pt" vAlign=center> - 전자자금이체</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.6pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 38.92pt" vAlign=center> - 신용공여</TD></TR> <TR> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 70.67pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 38.92pt" vAlign=center> 4. 이용한도</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.56pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 38.92pt" vAlign=center> - 예금잔액 이내</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.6pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 38.92pt" vAlign=center> - 예금잔액 이내 (또는 신용한도 이내)</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.6pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 38.92pt" vAlign=center> - 신용한도 이내</TD></TR> <TR> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 70.67pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 72.96pt" vAlign=center> 5.본인확인 및 승인/약관</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.56pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 72.96pt" vAlign=center> - PIN*, 예금잔액확인/직불카드약관 * Personal Identification Number</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.6pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 72.96pt" vAlign=center> - 예금잔액확인 /신용카드약관</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.6pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 72.96pt" vAlign=center> -신용한도 및 연체확인/신용카드약관</TD></TR> <TR> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 70.67pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 43.36pt" vAlign=center> 6. 결제</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.56pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 43.36pt" vAlign=center> - 구매 즉시</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.6pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 43.36pt" vAlign=center> - 구매 즉시</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.6pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 43.36pt" vAlign=center> - 선구매 후결제 (일정 결제일)</TD></TR> <TR> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 70.67pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 43.36pt" vAlign=center> 7. 매출자료</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.56pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 43.36pt" vAlign=center> - 전표없음 (계좌간 이체방식)</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.6pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 43.36pt" vAlign=center> - 개인보관용 전표 발행</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.6pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 43.36pt" vAlign=center> - 개인보관용 전표 발행</TD></TR> <TR> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 70.67pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 43.36pt" vAlign=center> 8. 가맹점 대금지급</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.56pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 43.36pt" vAlign=center> - 판매 즉시</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.6pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 43.36pt" vAlign=center> - 판매후 1～2일</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.6pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 43.36pt" vAlign=center> - 전표 추심시</TD></TR> <TR> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 70.67pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 43.4pt" vAlign=center> 9. 이용가능 시간</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.56pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 43.4pt" vAlign=center> - 은행공동망 가동시간 (07:00～23:30)</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.6pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 43.4pt" vAlign=center> - 24시간</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.6pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 43.4pt" vAlign=center> - 24시간</TD></TR> <TR> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 70.67pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 43.36pt" vAlign=center> 10.할부/현금 서비스</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.56pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 43.36pt" vAlign=center> - 불가능</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.6pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 43.36pt" vAlign=center> - 불가능</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.6pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 43.36pt" vAlign=center> - 가능</TD></TR> <TR> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 70.67pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 43.36pt" vAlign=center> 11.소득공제</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.56pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 43.36pt" vAlign=center> - 15%</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.6pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 43.36pt" vAlign=center> - 15%</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.6pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 43.36pt" vAlign=center> - 15%</TD></TR> <TR> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 70.67pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 43.36pt" vAlign=center> 12. 수수료율</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.56pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 43.36pt" vAlign=center> - 1～2%</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.6pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 43.36pt" vAlign=center> - 1.5～4.5% (신용카드와 동일)</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.6pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 43.36pt" vAlign=center> - 1.5～4.5%</TD></TR> <TR> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 70.67pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 58.88pt" vAlign=center> 13. 부대 서비스</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.56pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 58.88pt" vAlign=center> -거의 없음</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.6pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 58.88pt" vAlign=center> - 0.5～1%캐쉬백 - 마일리지, 주유할인,영화할인 등 다양</TD> <TD style="BORDER-RIGHT: #000000 0.28pt solid; BORDER-TOP: #000000 0.28pt solid; BORDER-LEFT: #000000 0.28pt solid; WIDTH: 125.6pt; BORDER-BOTTOM: #000000 0.28pt solid; HEIGHT: 58.88pt" vAlign=center> - 0.5～1%캐쉬백 - 마일리지, 주유할인, 영화할인 등 다양</TD></TR></TBODY></TABLE>