As a local bank, Harbin Bank can apply for a credit card (debit card) better than the four major state-owned banks, but the applicant must also meet the basic conditions for approving a credit card (debit card): the applicant is over 18 years old, has good credit information, has a stable job and income, and has the corresponding repayment ability.
In addition, the applicant had better choose a credit card (debit card) that suits him according to his actual overdraft demand and credit status, and don't blindly pursue a high-quota and high-grade credit card (debit card).
Under the same credit conditions, Puka is superior to Gold Card, and Gold Card is superior to Platinum Card.
Is it easy to apply for Harbin Bank credit card?
As a local bank, it is easier for Harbin Bank to apply for a credit card than the four major state-owned banks, but the applicant must also meet the basic conditions for issuing credit cards: the applicant 18 years of age or older, has a good credit report, has a stable job and income, and has the corresponding repayment ability.
In addition, the applicant had better choose the credit card type that suits him according to his actual overdraft demand and credit status, and don't blindly pursue high-quota and high-grade credit cards.
Under the same credit conditions, Puka is superior to Gold Card, and Gold Card is superior to Platinum Card.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.
Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).
On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.
Is the credit card interest rate of Harbin Bank high? Introduce the advantages and disadvantages of this card.
Is the credit card interest of Harbin Bank high? We all know that the installment business of credit card consumption is that the credit card holder applies to Harbin Bank to divide the unrecorded single consumption amount into several installments on average. After the approval of the bank, the cardholder will repay the loan on schedule within the agreed time limit and pay a certain handling fee. Next, I will tell you that Harbin Bank has a high interest rate on credit cards.
Harbin Bank's normal credit card transactions will not generate interest. There are two main situations that will generate interest:
Is the credit card interest of Harbin Bank high? Harbin Bank will charge interest for overdue repayment of credit cards.
Harbin Bank has stipulated an interest-free repayment period, and the cardholder will repay in full and on time from the billing date to the repayment date without generating interest.
If the cardholder fails to repay in full before the interest-free repayment period, it is overdue and does not enjoy the interest-free repayment period. From the transaction bookkeeping date, the overdraft interest is calculated and paid according to the actual amount owed and the actual number of days owed, and the overdraft interest rate is 0.5 ‰ of the daily interest rate, with compound interest on a monthly basis.
Overdue repayment of credit cards will not only generate interest, but also generate late fees. The late payment fee is the late payment fee paid by the cardholder to the bank for failing to repay the minimum repayment amount before the end of business on the due repayment date (inclusive). 5% of the unpaid minimum repayment amount, with a minimum of 10 yuan RMB or 1 USD.
Is the credit card interest of Harbin Bank high? Harbin Bank charges interest on cash withdrawal from credit cards.
Unlike credit card spending, you can't enjoy the interest-free period when you use Harbin Bank's credit card to withdraw cash. Since the trading day, the bank will charge interest on overdraft withdrawal at a daily interest rate of 0.5 ‰ until the overdraft withdrawal amount and overdraft withdrawal fee are all paid off.
Harbin bank not only charges interest, but also charges a handling fee. Harbin Bank credit card withdrawal fee standards are as follows:
1. The domestic cash withdrawal fee for Harbin Bank Credit Card is 65438+ 0% of the cash withdrawal amount, with the minimum 3 yuan RMB;
2. The handling fee for overseas cash withdrawal of Harbin Bank's credit card is 1% of the cash withdrawal amount, with a minimum of 18 RMB.
To sum up, if the cardholder uses Harbin Bank credit card for normal consumption and repays in full and on time, no interest will be generated; If the repayment is overdue or the credit card overdraws cash, the bank will charge interest.
Is the credit card pass rate of Harbin Bank high?
Tall man.
Harbin Bank's consumer finance is still relatively easy to pass, with a pass rate as high as 90%. Generally, the following conditions need to be met: ① At least 18 years old, with full capacity for civil conduct; ② Personal credit information is good and there is no bad overdue record; (3) Have a stable job and corresponding income to repay the loan; 4 It is best to have a credit card bill and pay social security and provident fund information continuously; ⑤ Personal liabilities cannot exceed 50% of personal monthly income. If the debt is too high, it may be rejected.
Harbin Bank is the only joint-stock commercial bank with legal personality in Harbin, Heilongjiang Province. 1997 was established in February with total assets of 270.409 billion yuan (at the end of 20 12). Harbin Bank is headquartered in Harbin. At present, there are 15 branches in Harbin, Tianjin, Chengdu, Shenyang, Dalian, Chongqing and Jiamusi, and 24 village banks and more than 200 business institutions in Beijing, Shenzhen, Jilin, Gansu, Chongqing and Heilongjiang. On March 9, 2020, the Top 20 19 China Banking Industry Ranking was released, and Harbin Bank ranked 3 1.
Harbin bank marathon credit card or credit card which is better?
Marathon credit card. line
1, Harbin Bank Marathon Credit Card can enjoy multiple points in the marathon month every year, but the credit card has no preferential activities, so Harbin Bank Marathon Credit Card is good.
2. Harbin bank marathon credit card has twice the credit card, so Harbin bank marathon credit card is good.
So much for the introduction of Harbin credit card.