The CBRC has long stipulated that as long as credit card applicants have not activated their credit cards, they are not allowed to collect annual fees, and banks are not allowed to open inactive credit cards for applicants without permission.
Therefore, at present, there is no annual fee for inactive credit cards. However, it is not excluded that some special credit cards can still charge an annual fee without opening the card. You should ask the bank for details, otherwise there will be arrears and overdue, which will seriously affect your credit.
Extended information In most cases, citizens with full capacity for civil conduct (citizens aged 65,438+08 in Chinese mainland) have a certain direct source of income and can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
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.
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, guarantor and its basic information. 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.
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After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the review mainly include the application.
No matter whether the content of the application form is true or not, the applicant should also evaluate his credit degree, and the individual should also review the relevant information of the guarantor.
Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand.
Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.
Refer to Baidu Encyclopedia-Credit Card Baidu Encyclopedia-Credit Card Annual Fee Rules.