There are two reasons for applying for a credit card to send things:

1. Because the user swipes the credit card, the merchant has to pay a handling fee to the bank, so the bank will very much hope that more users will apply. Credit card, so a few outlets will give away small gifts.

2. Each bank card center has card application clerks. Each time a card is successfully applied for, there will be a commission. Therefore, in order to attract card applications, these people will also spend their own money to buy some small gifts. These small gifts The value of the gift is actually nothing compared to the commission you get from applying for a card.

Extended information

Things to note when applying for a credit card:

1. Know the nature of a credit card

A credit card requires consumption first and repayment later. There is no interest on it. There is a repayment date and billing date every month. Once you fail to repay within the specified time, interest on overdue repayment will accrue. Overdue repayment will not only affect your credit record, but also give you He has brought high benefits and even been included in the list of dishonest people, which will bring a lot of trouble to his future life.

2. Understand the pre-approval bank before applying for a card

There are many banks that can apply for credit cards. If you are planning to apply for a credit card, it is recommended that you compare the credit cards of various banks in advance. , take a look at the card application conditions, advantages, interest charges, etc. of each credit card. Only by doing three currencies can you get the most desired credit card.

3. Don’t be greedy for too much when applying for a card

Some people will choose to apply for more cards in order to overdraft more money. They always like to use one thing to make up for the other. To realize your desire to consume in advance, it is recommended that you do not apply for too many credit cards when your income is not high, so as not to be unable to cope with the increasing interest rates, and make yourself a thorough credit card slave.

4. Apply at bank branches

Some people like to apply for credit cards at stalls outside bank branches, because the credit cards processed in these places generally have more discounts, and it is also easy to apply for the card. It's easy, but you don't know that while you are coveting other people's discounts, others are also coveting your wallet, so don't be greedy for cheap. While you are greedy, you may also suffer certain financial losses.

5. Fill in the information to be true

If you are going to apply for a credit card, you must pay attention to ensuring that the information is true when filling in all your information, especially your identity information and contact information. Address, etc., once this information is used for your bill consumption, you can receive these bills on time without causing overdue consequences.

6. Make sure you have the ability to repay the loan

If you are planning to apply for a credit card, it is recommended that you do what you can and determine your own situation based on your actual situation, especially your income. You can overdraft the amount to prevent yourself from owing more and more due to too much overdraft and low income.

7. Confirm the card's charges

When preparing to apply for a credit card, you must also confirm the card's charges, such as the card's annual fee, interest, overdue fees, etc., as well as your Only by understanding these clearly, such as the amount of overdraft you can apply, will you avoid overdrafting and incurring high interest and overdue fees for yourself.