When applying for a credit card, you generally do not go directly to the company for verification. You may call the company for verification. 1. Telephone verification
They will call the company to verify the situation information and confirm that you have the ability and conditions to apply for a credit card, and that's it. If you apply for a China Merchants Bank credit card, you need to meet the following conditions: There is a local China Merchants Bank, and you are 18-60 years old. If you can provide your ID card, work certificate and income certificate, you can try to apply. If you apply for a car card, you need to attach a driving license in your name. Copy. If the local branch has clear regulations, the regulations of the local branch shall prevail. The issuance of the credit card shall be subject to the final review result.
2. It is not necessary
It may be possible, or it may not be. The bank's credit card center calls the applicant's employer to verify the situation. This is a step in the personal credit investigation process for the applicant. Under normal circumstances, after applying for a credit card online and passing the review, the credit card center will call the phone number left by the applicant to verify the application information; The applicant's work, credit, etc. will be reviewed through multiple channels and methods. Telephone verification is only one of the processing methods, but it is not a necessary process, so there may be cases where the review results are obtained without contact. In order to successfully pass the bank review and be approved for a credit card, you must fill in complete and true personal information. If you fill in the company's phone number or contact person, it is also best to say hello in advance to avoid problems. I wish you success in applying for the card!
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1. Credit card consumption
Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when purchasing. The billing date is the billing date. Make repayments later. Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; a quasi-credit card refers to a credit card in which the cardholder can A quasi-credit card that deposits a certain amount of reserve fund and can be overdrafted within the specified credit limit when the reserve account balance is insufficient for payment. The so-called credit card generally refers to a credit card only.
2. Interest rates
Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 5/10,000, and the lower limit is 0.7 times the daily interest rate of 5/10,000). On May 25, 2021, the Supreme People's Court issued and implemented the "Regulations of the Supreme People's Court on Several Issues in the Trial of Bank Card Civil Disputes".