What are the banks that can handle credit cards?
There are many banks that can handle credit cards, for example:
1. The four major state-owned banks: China Construction Bank, China Bank, Agricultural Bank of China, Industrial and Commercial Bank of China.
2. Joint-stock commercial banks: Ping An Bank, Guangfa Bank, China Everbright Bank, Industrial Bank, Shanghai Pudong Development Bank, China Merchants Bank, Huaxia Bank, CITIC Bank, etc.
3. City commercial banks: Bank of Beijing, Bank of Shanghai, Bank of Hankou, Bank of Tianjin, Bank of Hebei, Bank of Ningbo, Bank of Jiangsu, Bank of Shengjing, Bank of Nanjing, Bank of Guangzhou, etc.
Introduction to China Construction Bank:
China Construction Bank (China Construction Bank), formerly the People's Construction Bank of China, was established on October 1, 1954 (later established on March 26, 1996 Officially changed its name to China Construction Bank). The head office is located at No. 25 Financial Street, Beijing. It is a large state-owned bank managed by the central government and a national deputy ministerial level unit. China Construction Bank's main business areas include corporate banking, personal banking and treasury services. It has branches and subsidiaries in 29 countries and regions, and owns funds, leasing, trusts, life, property and casualty insurance, investment banking, futures, and pensions. subsidiaries in many industries.
Introduction to Ping An Bank:
Ping An Bank, whose full name is Ping An Bank Co., Ltd., is a cross-regional joint-stock commercial bank controlled by Ping An Insurance (Group) Co., Ltd. of China. It is one of the 12 national joint-stock commercial banks in mainland China. The registered capital is RMB 5.12335 billion, with total assets of nearly 1.37 trillion yuan. It is headquartered in Shenzhen, Guangdong Province. Ping An Insurance (Group) Co., Ltd. of China (hereinafter referred to as "Ping An") and its holding subsidiaries hold a total of approximately 2.684 billion shares of Ping An Bank, accounting for approximately 52.38%, and are the controlling shareholders of Ping An Bank.
Introduction to Everbright Bank:
China Everbright Bank (CHINAEVERBRIGHTBANK, Everbright Bank) was established in August 1992. It is a national joint-stock system approved by the State Council and approved by the People's Bank of China. Commercial Bank, headquartered in Beijing. China Everbright Bank was listed on the Shanghai Stock Exchange in August 2010 and on the Hong Kong Stock Exchange in December 2013.
What are the banks that issue credit cards in my country?
The banks that issue credit cards in my country are as follows:
State-owned banks: Bank of China, Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China, and Postal Savings Bank.
Main national commercial banks: China Merchants Bank, Bank of Communications, China Guangfa Bank, China CITIC Bank, Industrial Bank, Minsheng Bank, Ping An Bank, Shanghai Pudong Development Bank, China Everbright Bank, Hua Xia Bank, Citibank.
Regional banks: Bank of Ningbo, Bank of Beijing, Bank of Jiangsu, Shanghai Rural Commercial Bank, Baoshang Bank, Bank of Hangzhou, Bank of Nanjing, Bank of Hebei, Chongqing Rural Commercial Bank, Shengjing Bank, Chengdu Rural Commercial Bank Bank, Shangrao Bank, Yaodu Rural Commercial Bank, Shangqiu Commercial Bank, Wenzhou Bank, Guangzhou Bank, Tianjin Bank, Municipal Commercial Bank, Harbin Bank, Chongqing Bank, Hankou Bank.
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Credit cards are also called credit cards. It is a non-cash transaction payment method and a simple credit service.
A credit card is generally a special carrier plastic card with consumer credit that is 85.60 mm long, 53.98 mm wide, and 1 mm thick. It is issued by the bank to individuals and organizations, and can be used to shop, consume, and deposit and withdraw cash from the bank. It is in the form of a card with the name of the issuing bank, validity period, number, cardholder name, etc. printed on the front and a magnetic card on the back. strip, signature strip.
Credit cards are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when using the credit card, and repayment will be made on the bill date.
Credit cards are divided into credit cards and quasi-credit cards. Credit cards are issued by banks and give cardholders a certain credit limit. The cardholders can consume within the credit limit and then repay. A credit card; a quasi-credit card refers to a quasi-credit card issued by a bank. The cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the quasi-credit card can be overdrawn within the prescribed credit limit. When we talk about credit cards, we generally refer only to credit cards.
In the 1960s, credit cards sprouted and developed rapidly in developed European and American countries such as the United States, Canada, and the United Kingdom. After more than 50 years of development, credit cards have been widely accepted in more than 95% of countries around the world.
In the 1980s, with the reform and opening up and the development of market economy, credit cards began to enter China as an electronic and modern consumer financial payment tool, and in the past ten years, they have grown by leaps and bounds. rapid development.
After experiencing the financial crisis and the ups and downs of the domestic economy, my country's credit card market rebounded in 2016. By the end of 2016, the total number of domestic credit cards issued had exceeded 590 million.
In 2016, the amount of credit card consumption transactions nationwide reached 741.81 trillion yuan, an increase of 10.75%. The proportion of credit card consumption in the total retail sales of consumer goods continues to increase
Loans in mainland China Characteristics of debit cards (i.e. credit cards in international significance):
1. Spend first, repay later
2. Deposits do not bear interest
3. The interest-free repayment period generally ranges from 20 to 60 days in mainland China
4. There is a minimum repayment amount
5. Interest is generally calculated based on daily simple interest. Interest is calculated on a monthly basis
6. For those who fail to repay the minimum payment on time, punitive interest or late fees will be levied; those who overdraft maliciously will be held legally responsible
7. The application requires certain proof of identity, property and financial resources, and sometimes a guarantee is required.
Which banks can apply for credit cards? Please tell me their names?
There are many banks that can apply for credit cards, such as: 1. my country’s four major banks: Bank of China, China Construction Bank, Industrial and Commercial Bank of China, and Agricultural Bank of China. 2. Joint-stock commercial banks: China Merchants Bank, Hua Xia Bank, China CITIC Bank, Ping An Bank, China Everbright Bank, Industrial Bank, China Guangfa Bank, Shanghai Pudong Development Bank, etc. 3. There are also some local banks that can handle credit cards, such as: Bank of Beijing, Bank of Shanghai, Bank of Jiangsu, Bank of Tianjin, Bank of Hebei, Bank of Shengjing, Bank of Nanjing, Bank of Hankou, Bank of Ningbo, Bank of Guangzhou, etc.
What are the requirements for credit card application? Generally speaking, a stable job is a necessary condition for successfully applying for a credit card. Of course, this is not absolute. For example, many universities now have card processing services specifically for college students. This is to apply for a credit card unconditionally. College students only need to bring their personal documents and student ID cards to the bank to apply for it. First of all, it requires citizens who are over 18 years old and have civil capacity. It is required to have a stable income and provide proof of income, firstly to prove the ability to repay, and secondly to use it as a reference for setting the credit card limit. If you have successfully applied for a credit card, you can use the card to apply for a card, and the process will be much easier. The personal credit report must be good and have no bad records. Whether you can successfully apply for a credit card is also related to your occupation. For example, security, self-employed, farmers, etc. are more difficult to successfully apply for. Foreign and overseas personnel and active-duty military officers who receive the card in their own name should provide a temporary household registration issued by the local public security department or a certificate issued by the relevant department. They must also provide a guarantee unit that meets the guarantee conditions or a guarantor who has a local household registration and works locally.
Credit card applications can be processed at the bank counter or online. If you apply at the counter, you need to bring your ID card to the bank, explain your purpose to the staff, and fill in the credit card application form according to the staff's requirements. Generally, there will be a reply within half a month. If the application is successful, you will receive the corresponding letter containing the credit card within one month. If you apply online, you only need to open the bank's APP, find "Apply for Credit Card" in the interface, click to enter, follow the prompts and enter the information to submit the application. After the application is successful, you will receive the corresponding letter containing the credit card within one month. After successfully applying for a credit card, you still need to go to a bank branch to open the card before it can be used.
I hope my answer is helpful to you!
Which banks can apply for credit cards? Please tell me their names
The credit cards of each bank are similar. It mainly depends on the activities. Many banks have overseas cashback activities, such as China Construction Bank. , Bank of Communications, Bank of China, etc. You can choose the card type you like according to your personal preferences.
Which banks have credit cards?
The following banks can apply for credit cards:
1. National joint-stock banks:
China Everbright Bank, China CITIC Bank , Bank of Communications, Industrial Bank, Industrial and Commercial Bank of China, China Merchants Bank, Agricultural Bank of China, China Construction Bank, Bank of China, Minsheng Bank, etc.
2. Regional joint-stock banks:
Bank of Beijing, Beijing Rural Commercial Bank, Bank of Tianjin, Bank of Shanghai, Bank of Nanjing, Bank of Ningbo, Hangzhou Commercial Bank, Shenzhen Rural Commercial Bank , Bank of Wenzhou, Xiamen International Bank, etc.
3. Foreign joint-stock banks:
Citibank, HSBC, Standard Chartered Bank, Bank of East Asia, Hang Seng Bank, ABN Amro, Orix Bank, BNP Paribas, American Express Bank, etc.
Be careful when using credit cards for newbies
Using credit cards for consumption is a very common consumption pattern nowadays. If you are a user who has just applied for a credit card and is not particularly familiar with the use of credit cards, then before using a credit card You need to pay attention to the following points:
1. Activate before using: The credit card cannot be used temporarily when received. Users need to activate it before using it. Generally, users can use online banking, Use it after activation at the counter, phone, etc.
2. Do not over-consume: Users must exercise restraint when using credit cards and do not over-consume, because after all, every penny spent needs to be returned later. Therefore, if the user consumes excessively, he or she will exceed the limit. If you limit your financial scope, it may cause great repayment pressure, thereby bringing about the risk of overdue repayment.
3. Remember your repayment date clearly: The repayment date is a very important date for every user. Users must remember their repayment date clearly to avoid missing repayment when it is due. Repayments may be overdue, resulting in a bad credit score.
4. Protect your own information security: There is a lot of information on the card surface of the credit card, which will be used for verification in future transactions, such as the validity period of the credit card, CVV code, etc., so Users must protect their information to prevent it from being leaked and stolen by criminals.
What is the most appropriate way to use a credit card?
When using a credit card, users must first make consumption according to their own income. It is more appropriate that the monthly credit card consumption amount does not exceed 50% of the income. consumption. In addition, users can also pay more attention to the activities corresponding to their credit cards. Many credit cards will launch different activities for their users, such as shopping discounts, etc. Users must use their rights reasonably.
Most credit cards will have their own annual fee exemption policy, so users also need to understand the annual fee exemption policy of the credit card they use, so as to complete the corresponding annual fee exemption tasks and reduce their own annual fees. , save your own expenses. In addition, users also need to understand other charging policies and unique promotions corresponding to their credit cards, and use credit cards rationally.
That’s it for the introduction of which banks offer credit cards.