Can low-income households have credit cards? Will it affect the subsistence allowance?

There is no policy that stipulates that subsistence allowance households are not allowed to have credit cards, so they can directly cancel the subsistence allowance if they have a card whose limit exceeds the standards set by the local Civil Affairs Bureau.

Is it the bank's responsibility to apply for a credit card for people living on minimum living allowance?

Earning the minimum living allowance has nothing to do with applying for a credit card. The bank only evaluates the credit card limit based on your personal credit report and financial ability.

Credit card assets are liabilities and generally do not affect the application for minimum living allowance and the use of credit cards.

If you need to apply for a credit card for the subsistence allowance, you can apply for it directly, because there is no direct relationship between the subsistence allowance and the credit card. When applying for a credit card, the main consideration is the proportion of personal consumption expenditure.

Can those with subsistence allowances apply for a credit card? Will it affect the subsistence allowances?

There is no direct relationship between subsistence allowances and credit cards. The subsistence allowance mainly examines the fixed assets of the family, personal income and the health of the family, while the credit card mainly examines the proportion of personal consumption expenditures, etc.

Credit card application process:

1. Applicants can choose to apply online, contact a credit card salesperson to apply at home, or apply directly at the counter to apply for a credit card from the credit card bank;

2. The staff of the credit card opening bank will review and return the phone number in the application materials to verify whether the application materials are true. Misunderstandings in the information will directly lead to application failure;

3. Application After the person passes the credit card review, he will receive a text message notification from the account opening bank and just wait for the card to be mailed;

4. After receiving the card, apply for activation. You can activate according to the activation method in the envelope. Generally, there is a manual call service. Activation, text message activation, counter activation and other methods can be decided according to your own convenience;

5. After activation, you can use the credit card normally, and pay attention to the monthly repayment date and repayment amount of the credit card.

Extended information:

According to the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks":

Article 43

For first-time applications Customers of our bank's credit cards are not allowed to use the full system automatic card issuance method to issue credit cards. Credit card applicants should be subject to strict review and strengthen risk prevention and control when they have the following circumstances:

(1) Leaving relevant suspicious information or criminal records in the identity information system;

(2) There is no credit record in the credit reporting system;

(3) There are bad records in the credit reporting system;

(4) There are multiple banks in the credit reporting system Loan or credit card credit records;

(5) Business travel cards and business purchase cards issued by the unit;

(6) Risk information obtained through other channels.

Article 44

Card-issuing banks shall not issue credit cards (except supplementary cards) to customers under the age of 18.

Article 45

No more than two issuing banks may issue student credit cards to the same eligible applicant (except for supplementary cards). Before issuing a student credit card, the card-issuing bank must secure a secondary source of repayment.

Obtain written guarantee materials from the second source of repayment (parents, guardians or other administrators, etc.) who are willing to repay the loan on their behalf, and confirm the authenticity of the identity of the second source of repayment.

Before increasing the limit of a student credit card, the card-issuing bank must obtain written guarantee materials from the second source of repayment (parents, guardians or other administrators, etc.) who agree and are willing to repay the student credit card on their behalf.

Commercial banks shall formulate management systems for student credit card business in accordance with the principle of prudence, and evaluate, calculate and reasonably determine the first credit limit of their student credit cards and the maximum credit limit after adjustment based on card usage based on actual business development conditions. Quota. Student credit cards cannot be used beyond the limit.

Article 46

Card-issuing banks shall publicly disclose on the bank’s website the agreements signed with educational institutions for the purpose of marketing credit cards to students.

When a card-issuing bank conducts credit card marketing activities to students on the campus of any educational institution, it must notify the relevant educational institution in advance of the specific location, date, time and content of the marketing activity and obtain the consent of the educational institution.

Article 51

On the premise that it has been agreed through a credit card use contract (agreement), written agreement, electronic banking records or customer service telephone recordings, the card-issuing bank The credit limit can be reduced for credit cards that have not had transactions for more than 6 months, but the cardholder must be clearly informed 3 working days in advance according to the agreed method.

Article 52

Card-issuing banks shall establish a credit card business risk management system. The card-issuing bank learns from the public security organs, judicial organs, the cardholder himself, relatives, transaction monitoring or other channels that the cardholder's identity document has been stolen, his family's financial situation has deteriorated, his repayment ability has declined, his reserved contact information has expired, and his credit status has deteriorated. , when there is risk information such as abnormal card usage behavior.

Operations that may increase credit risks, such as limit increases, card service authorization exceeding the credit limit, and installment business authorization, should be immediately stopped, and measures should be taken to increase transaction monitoring, reduce credit limits, stop payments, and freeze as appropriate. Or implement risk management measures such as second source of repayment.

Article 53

No over-limit fees may be deducted in any form without the credit card holder applying for and activating the card service beyond the credit limit. Cardholders can activate or cancel card services exceeding the credit limit verbally (customer service call recording), electronically, or in writing.

The card-issuing bank must provide information on the form and calculation method of over-limit fees before activating the service for cardholders to use the card beyond the credit limit, and clearly inform the cardholder of the ability to cancel the use of the card beyond the credit limit. Right to Service. After the card-issuing bank charges an over-limit fee, it shall clearly list the amount of the over-limit fee in the corresponding billing cycle in the statement.

Baidu Encyclopedia-Credit Card

If the credit card owed by the Dibao people has not been repaid, does it have anything to do with Dibao?

There is no direct relationship between subsistence allowances and credit cards. When a cardholder uses a credit card to make large purchases, the card-issuing bank will pay the merchant a one-time payment for the goods (or services) purchased by the cardholder, and based on the cardholder's application, the consumption funds will be transferred to the cardholder's credit card account in installments. Deduction, a business in which cardholders repay according to the monthly credit amount.

In the past, credit card installments mainly included bill installments and single consumption installments. Banks usually charged corresponding handling fees based on the number of installments. Whether it is bill installment or single consumption installment, the premise is that consumption behavior occurs first, and then the bank sets the installment repayment of the credit loan generated.

The more common online platforms include: UnionPay Online, Kuaiqian, Shengpay, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

This method mainly completes repayment through the "Lakala" smart payment terminal installed in convenience stores. It usually takes 2 to 3 working days to receive the payment. At the same time, repayment using this method is free of charge. A handling fee is charged.

Dibao is a system that implements minimum living security based on the "three security lines" system that cities have established, namely basic living security for laid-off employees of state-owned enterprises, unemployment insurance and minimum living security for urban residents.

Credit card application process:

1. You can use the computer: macbookpromos14 to open Google version 92.0.4515.131 and log in directly to apply online, contact the credit card salesperson to apply at home, and the applicant goes directly to the counter Apply for a credit card to the credit card bank;

2. The staff of the credit card bank will conduct a follow-up visit to the phone number in the application materials to verify whether the application materials are true. Mistakes in the information will directly lead to application failure. ;

3. After the applicant passes the credit card review, he will receive a text message notification from the account opening bank and just wait for the card to be mailed;

4. After receiving the card to apply for activation, you can press The activation method in the envelope generally includes manual activation by phone, SMS activation, counter activation, etc. You can decide according to your own convenience;

5. After activation, you can use the credit card normally, and pay attention to the monthly repayment of the credit card. Payment date and repayment amount.

Does using credit cards affect the minimum living security allowance?

Legal analysis: It will not affect the minimum living security allowance. The use of credit cards does not conflict with the minimum living allowance households. Credit cards are not assets and will not affect the minimum living allowance households. qualifications. The subsistence allowance mainly examines the fixed assets of the family, personal income and the health of the family, while the credit card mainly examines the proportion of personal consumption expenditures, etc. There is not much relationship between the two, so if you are a subsistence household, you can also apply for a credit card, and the two will not affect each other. 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.

Legal basis: Article 4 of the "Regulations on Minimum Living Security for Urban Residents" The minimum living security system for urban residents is subject to the responsibility system of local people's governments at all levels. The civil affairs departments of local people's governments at or above the county level are specifically responsible for the management of the minimum living security for urban residents within their respective administrative regions; the financial department implements the minimum living security funds for urban residents in accordance with regulations; the statistics, prices, auditing, labor security and personnel departments divide labor Responsible for the work related to the minimum living security of urban residents within the scope of their respective responsibilities.

This concludes the introduction to the differences between credit cards and subsistence allowances and credit cards and subsistence allowances. Have you found the information you need?