The role of credit cards:

It is convenient for people's lives and saves the trouble of carrying cash. And there are no geographical restrictions on using credit cards. No matter where you swipe your card in China, you can swipe it as long as you have the UnionPay logo, and there is no handling fee.

Be able to participate in various preferential discount activities in cooperation between merchants and banks;

Credit card spending points can be exchanged for gifts;

Timely repayment after swiping the card improves the credibility of personal banks.

The purpose of the credit card:

1. Shopping consumption.

2. Microfinance.

Save money.

4. Shopping saves money.

5. Value-added services of credit cards to obtain cheap insurance and travel.

6. Credit certificate.

Disadvantages of credit cards:

Credit cards don't cost a lot of money like paying cash. Credit card consumption tends to blur the cardholder's concept of money, leading to blind consumption.

If the cardholder fails to repay the loan on time, the bank will charge high interest;

Credit cards are basically password-free by default, so when they are lost or stolen, they are easily stolen by others, causing unnecessary troubles or losses;

Long-term malicious default will naturally affect personal credit records and even be blacklisted by banks. If you want to borrow money from the bank to buy a house and a car in the future, you may be rejected by the bank.

Credit card classification

(a) according to the different card issuers, it can be divided into bank cards and non-bank cards.

(1) bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

(2) Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

(2) According to different card issuers, it can be divided into corporate cards and personal cards.

(1) company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.

(2) Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

(3) According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

(1) ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.

(2) gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.

(4) According to different payment methods, credit cards can be divided into debit cards and debit cards.

(1) credit card. That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation. In other words, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". At present, most of the cards in circulation in the world are of this kind.

Credit card (2) debit card. It's a credit card issued by the bank. Deposit first and then spend. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance as a backup. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed.

What are the advantages and disadvantages of getting a bank credit card?

First of all, the benefits of credit cards:

1. You can overdraw, and you can use your credit card to spend or withdraw cash when the funds are insufficient.

2. Enjoy the convenience of installment, and you can pay it back slowly in installments after large consumption.

3. It is convenient to travel and enjoy preferential treatment. At present, there are many kinds of credit cards, some of which have the function of taking the subway bus, some of which have discounts for booking air tickets and some of which are convenient for changing foreign exchange abroad.

4. Facilitate financial investment. The maximum interest-free period of a credit card is 56 days. During the interest-free period, users do not have to pay interest, and users can invest their own money.

5. points for goods. Generally, credit card spending has points, which can be used for shopping in the bank integral mall.

Second, the disadvantages of handling credit cards:

1. Credit information will be collected at the meeting after handling the credit card. Once the credit card is overdue, there will be overdue records on the credit information, which will affect the credit.

2. It will be stolen. If the credit card is stolen by others, it is easy to be stolen and cause losses to yourself.

3. Make your consumption irrational. When you use a credit card, you don't have to pay back the money immediately. If it is returned next month, it will easily lead to blind consumption.

Credit card is a very good micro-financing tool, with low interest rate, on call, plug and play;

1, overdraft consumption

Credit card is a kind of credit financial tool, so as long as it is a credit card, it has the function of overdraft consumption and can enjoy interest-free period. As long as the repayment is made before the repayment date, the bank will not charge any interest. If there is a shortage of funds, users can also apply for bill installment and minimum repayment amount. This function is really good.

Step 2 accumulate points

As long as the general credit card can accumulate points, the points can be exchanged for goods, coupons, mileage, annual credit fees and even cash. This function is deeply loved by credit card users, especially Card God and Wool Party. To be exact, these are all given for nothing, not for nothing.

3、

You can use a credit card for daily consumption. However, if necessary, credit cards can also be withdrawn. Although the cost is relatively high, it can really solve everyone's urgent needs. Let's briefly talk about the handling fee and interest of credit card withdrawal:

The cash withdrawal fee varies from bank to bank. Generally, it is charged at 1%-3% of the cash withdrawal amount, and the interest is charged at 0.05% per day, starting from the moment of cash withdrawal. In addition, there is another fee for withdrawing cash by credit card, which is overdue interest. At present, most banks do not support installment and minimum repayment amount, which needs to be paid off in the current bill. If it is overdue, they will be charged an overdue fee.

According to different classification standards, credit cards are mainly divided into the following categories:

(1) According to credit card issuers, it can be divided into bank cards and non-bank cards;

(2) According to the storage medium of credit card information, it can be divided into magnetic stripe card and chip card;

(3) According to different payment methods, it can be divided into: credit card, quasi-credit card and debit card;

(4) According to different settlement currencies of credit cards, they can be divided into foreign currency cards and local currency cards;

(5) According to the different circulation scope, it can be divided into international cards and regional cards;

(6) According to the number of credit card accounts, it can be divided into single-currency credit cards and dual-currency credit cards;

(7) According to the affiliation of credit cards, they can be divided into main cards and subsidiary cards;

(8) According to different credit card issuers, it can be divided into corporate cards and personal cards;

(9) According to the credit status and credit status of cardholders, it can be divided into unlimited cards, platinum cards, gold cards and ordinary cards;

(10) According to the different shapes of credit cards, they can be divided into standard credit cards and irregular credit cards.

What's the use of credit cards?

Credit cards have many uses:

1. Help lazy people settle accounts. Cash every month. By the end of the month, when you think about it carefully, you often can't remember where it was used and how much it was used. The credit card will give you a bill every month with the name of the merchant, the date of consumption and the amount of consumption, which can help you remember the purpose of the funds.

Credit card can synchronize expenditure with income. For example, you get a salary of 5438+05 every June. You can synchronize your salary with your credit card bill. For example, your billing date is the 7th, and the 27th of each month is the repayment date. Then 15 salary can be used for repayment.

Many people think that credit card overdrafts should be paid back, but they can enjoy the interest-free period of the bank. Why give up this benefit? It was agreed to spend this month first and next month, so what's wrong with waiting for next month's salary?

Although many people disdain to overdraw, they think that the deposit in their savings card is enough for consumption. Even so, the credit card bill still reflects your consumption better than the balance of the savings card. If you are not a moonlight family, if the money on your savings card is far greater than your salary for several months, people with poor control ability will often brush it indiscriminately because there is too much money left on the savings card. However, credit cards are different. It has no money, and its balance is negative. It shows your overdraft limit this month. On the savings card, you often pay attention to how much money you have left, but you can directly know how much money you spent this month from the credit card, which is a good reminder, or at least give you a constraint.

Of course, for others, it is the benefit of temporary turnover. For example, suppose you don't have much cash around, but now someone is temporarily ill and needs five small numbers for surgery. Generally speaking, people who manage money for a long time don't leave much cash. If you have a credit card, you can swipe it out immediately, and then you can raise enough money in 50 days at the longest. For short-term operators, 50 days is already a lot of space.

Credit card is a trend. Nowadays, people buy things online, especially Haitao is becoming more and more fashionable, and they basically use credit cards for pre-authorization. If you book a travel route or room online, you need to use a credit card for pre-authorization even if Apple purchases app software. It's really inconvenient not to have a credit card with you.

What's a credit card for?

Credit card, also known as debit card, is mainly used for overdraft consumption. After the user applies for a credit card, the bank will give you a certain amount, and the user can make overdraft consumption within the amount, and need to repay after overdrawing the credit card. This is a way of spending first and then repaying.

Credit cards are divided into Puka, Gold Card and Platinum Card, in which the amount of Puka is generally within 6,543.8+0,000 yuan, the amount of Gold Card is within 6,543.8+0,000-50,000 yuan, and the amount of Platinum Card is above 50,000 yuan.

Credit card refers to an 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).

Credit card is a special carrier card with consumer credit issued by commercial banks to individuals and units. It is a card with the name of the issuer, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back.

A real credit card has the following characteristics: cash is not allowed to be pre-deposited, it is paid after consumption, it enjoys an interest-free repayment period, and it can be repaid in installments (with a minimum repayment amount). Joining international credit card organizations such as VISA and MASTER can be used worldwide.

From 0: 00 on August 29th, 20 19, when using the credit card repayment function, 0. 1% of the actual repayment amount will be charged for each credit card repayment, and the user will pay both the repayment amount and the handling fee.

Jingdong Finance also adjusted the credit card repayment service rules: starting from September 1, the same user can enjoy a maximum free repayment amount of 1 10,000 yuan per month, and a service fee of 0. 15% will be charged for the part exceeding the maximum free repayment amount.

What exactly is a credit card for?

1. It is convenient for people's life and saves the trouble of carrying cash. And there are no geographical restrictions on using credit cards. Whenever you swipe your card anywhere in China, you can swipe it as long as you have the UnionPay logo, and there is no handling fee.

2. Be able to participate in various preferential discount activities for cooperation between merchants and banks, and enjoy various discounts for cooperation between merchants and banks.

3. Value-added services. All kinds of credit cards introduced by banks are accompanied by some value-added services. At present, the services provided by banks can be divided into seven categories: cash return, lottery, shopping discount, free insurance, travel service, personal financial report and other value-added services.

Extended data

Credit card application:

1. In most cases, citizens with full capacity for civil conduct (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

2. The object of applying for a 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.

3. The application method is generally to fill in the credit card application form. The contents of the application form generally include the applicant's name, basic information, economic status 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.