The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, basic information, etc. And submit some copies of certificates and vouchers to the issuing bank.
After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
Credit cards are also called debit cards. It is a non-cash transaction payment method and a simple credit service.
2. Credit cards are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, but will make repayment on the billing date.
3. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card issued by the bank, which gives the cardholder a certain credit limit, within which you can spend first and then repay; A quasi-credit card refers to a quasi-credit card issued by a bank. The cardholder deposits a certain amount of reserve fund according to the regulations. When the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit.
The word "credit card" originally refers to the financial products introduced in this article. However, because there was no credit card in China before, or even any savings card with credit card function, the real credit card can only be called "debit card".
5. quasi-credit card. It's a credit card issued by the bank. Deposit first and then spend. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance as a backup. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed.