Credit card system:

1. When applying for a card, cardholders should not think that they want to apply for a high-limit credit card just because they have a car and a house. If they have no contribution to the bank, the conditions will be different. A good bank will not give you a high-limit credit card for the first time (except in special circumstances). The high limit will gradually increase based on your credit rating and card usage.

2. Try to control your consumption, and try not to use credit cards to withdraw cash or use credit card money to invest, because the interest and handling fees for credit card withdrawals are very high. It is okay to make money by investing, but if something goes wrong, How can I pay back the money in my credit card?

3. The money in the credit card can be used in many ways, don’t just use one item; develop a good habit of swiping the card no matter how much the amount is, but it is best to swipe less or not at the capping machine , you can also make appropriate installments, which will help increase the amount.

4. Do not trust salesmen or intermediaries who apply for high-value credit cards. Doing so will put risks on the credit card and lead to information leakage and theft.

According to the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks":

Article 24: Each commercial bank shall charge credit card transaction fees to special units according to the following standards:

(1) For RMB credit cards, the amount must not be less than 2% of the transaction amount;

(2) For credit cards issued by overseas institutions and used within China, the amount must not be less than 4% of the transaction amount.

When a domestic bank signs a credit card agency acquisition agreement with an overseas institution, the profit distribution ratio shall be based on the domestic bank and the overseas institution accounting for 37.5% and 62.5% of the handling fees paid by the special unit respectively.

Extended information:

According to the "Notice on Issuance of Credit Card Business Management Measures"

Chapter 4 Application and Cancellation of Credit Cards

< p>Article 33 Any unit that opens a basic deposit account at a financial institution within the territory of the People's Republic of China and the People's Republic of China may apply for an unit card. Several unit cards can be applied for, and the cardholder's qualifications shall be designated and canceled in writing by the legal representative of the applying unit or his authorized agent.

Citizens with full capacity for civil conduct can apply for a personal card. The main cardholder of a personal card can apply for supplementary cards for his spouse and relatives over the age of 18. There may be no more than two supplementary cards. The main cardholder has the right to request the cancellation of his supplementary cards.

Article 34 When applying for a credit card, an organization or individual should fill in the application form in accordance with the regulations and submit it together with relevant information to the card-issuing bank. For those who meet the conditions, the card-issuing bank will open a credit card account for the applicant and issue a credit card.

Baidu Encyclopedia - Measures for the Supervision and Administration of Credit Card Business of Commercial Banks

Baidu Encyclopedia - Notice on Issuing the "Measures for the Administration of Credit Card Business"