Is credit card a homogeneous financial product?

Credit card is not completely homogeneous financial products. Credit card, including a full set of financial services, even with a credit card issuers to issue different types of credit cards, they will not be exactly the same, in addition to the credit card price and cost competitiveness of the most basic of these factors, some of the non-price competitiveness factors Can not be ignored, and all of these competitive factors are leading to different credit quality of the root causes of these differences in the final analysis, stems from the different needs of the card, the credit card type, rate, functions, applications, services and so on foot factor Led to the surface of the card is no different in different connotation.