Part of the credit card is not accounted for, which means that the money is not included in the repayment bill of the month. The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed.
Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
Extended data
A credit card issues a statement to the cardholder at the end of each month or on the agreed date, that is, a payment notice. After the cardholder has no doubt about the transaction on the statement, he pays the corresponding amount to the issuing bank. Credit cards issue statements free of charge every month, allowing users to transparently grasp every consumption expenditure; (Now advocating environmental protection, you can cancel the paper statement and change it to electronic statement).
According to Article 61 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks:
The issuing bank shall provide reconciliation service. The statement should at least include the transaction date, transaction amount, transaction currency, name or code of the transaction merchant, repayment amount in the current period, minimum repayment amount in the current period, due repayment date, matters needing attention, service telephone number of the issuing bank and other elements. The specific form of reconciliation service shall be agreed by the issuing bank and the cardholder.
When the issuing bank provides the cardholder with service vouchers such as statements, it shall partially block the credit card number and shall not display the complete card number information. Except for the business vouchers printed by the bank counter for business.
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