Why did you receive a credit card after building a mortgage

It is estimated that there are several reasons, please refer to:

1. When applying for a mortgage, there are many forms, and you may be applied without paying attention.

2。 Generally, credit cards are sent directly from the credit card center, which is quite normal.

3。 If you didn't have a credit card before, it's more convenient to keep one

4. If you don't want to use it, call CCB customer service and cancel the card zd. Generally, if you have deposit, wealth management or mortgage business in CCB, the staff will recommend a credit card. Generally, the mortgage can be approved, indicating that the comprehensive credit is relatively good, and the credit card can generally pass, so it is basically bundled. But this will be made clear when you do it, and it will not be forced to do it. Maybe the landlord forgot that credit cards are used first and then repaid. They are mainly used for credit card consumption, such as eating, shopping, watching movies, online shopping and traveling. Credit cards can also be used for overdraft and cash withdrawal. Is it tied? It's just a credit card. It should be because of a mortgage. Having a credit card, swiping it frequently and returning it on time will be beneficial to the credit record and have a positive impact on handling the credit business again. Credit cards have two major uses: credit card consumption and cash withdrawal. The daily interest rate of credit card consumption is .5%, with a minimum interest-free period of 2 days and a maximum interest-free period of 5 days; There is no interest-free period for cash withdrawal, and interest will start to accrue from the date when the cash withdrawal is recorded, with a daily interest rate of .5% and a handling fee. Even if the bank completes the task, it should not refuse to give you a loan for such a thing. After all, there is a salary for making a loan, but it will be uncomfortable. Maybe you will be asked to do another one. This is equivalent to asking you to help her complete a credit card task by the way. Generally, mortgage and car loans will let customers open a credit card by the way, and the account manager is equivalent to making one more product. Spending a sum of money is equivalent to proving that this card is already a valid account and will be included in the task. 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.

I bought a house with a loan from the Agricultural Bank of China, and I just got it, but I was sent a credit card. What's the matter?

Answer: First of all, getting a mortgage has nothing to do with getting a credit card. This is a task for banks to increase the number of credit card users. Secondly, if you don't want to use this credit card, you can not activate it, but if the bank requires it, you'd better do it, otherwise it may affect your mortgage.

Extended information:

1. CreditCard, also called credit card. It is a non-cash transaction payment method and a simple credit service. A credit card is a credit certificate issued by a commercial bank or a credit card company to a qualified consumer. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit. Authorization of credit card: merchants and banks confirm that the credit card is valid, and contact the bank according to the contract signed with the issuing bank to request authorization. Authorization is the amount that can be used to further prove the identity of the cardholder. Authorization is generally carried out when the use amount stipulated in the contract is exceeded. After receiving the authorization notice, the issuing bank will issue an authorization instruction according to the balance of the cardholder's deposit account and the agreement that the bank allows overdraft, and reply whether to agree to the transaction.

2. It has nothing to do with getting a mortgage and getting a credit card. This is because the bank wants to increase the number of credit card users. If your mortgage has been settled, don't activate it if you don't want to use the credit card. If your mortgage has not been processed, the bank still requires you to activate the credit card, so you can only do it, otherwise, the mortgage may be affected. Judging from the current situation, it is a bundled consumption behavior of some local branches to apply for a credit card, which is by no means a necessary step to apply for a mortgage. The practice of applying for a mortgage to apply for a credit card is mainly to help banks increase the number of credit cards issued, which is not directly related to the mortgage. However, for friends who need to apply for a mortgage, they may have to choose to compromise. In fact, handling a credit card also has many advantages, such as: you can gradually accumulate your own credit through credit cards, paving the way for handling financial business in the future; By using credit cards, everyone can enjoy some preferential activities of cooperative businesses and save daily expenses; Overdraft by credit card. To relieve their current economic pressure.

why do banks need to apply for credit cards for customers when they borrow money to buy a car?

it is a bundled business for banks to purchase cars with loans to handle credit cards for customers. There is no charge for this service. If you don't use it and don't activate it, there will be no charge. \ r \ n \ r \ nAuto loan refers to the loan issued by the lender to the borrower who applies for buying a car, also called auto mortgage. \ r \ nLoan object: The borrower must be a permanent resident in the place where the loan bank is located and have full capacity for civil conduct. \ r \ nLoan conditions: The borrower has a stable occupation, the ability to repay the loan principal and interest, and good credit; Can provide recognized assets as collateral or pledge, or a third person with sufficient compensatory capacity as a guarantor who repays the principal and interest of the loan and assumes joint liability. \ r \ nLoan amount: The maximum loan amount generally does not exceed 8% of the selling price of the purchased car. \r\n Loan term: Generally, the loan term for automobile consumption is 1-3 years, and the longest is no more than 5 years. \ r \ nLoan interest rate: uniformly stipulated by the People's Bank of China. \ r \ nRepayment method: One-time repayment of principal and interest and installment repayment (equal principal and interest, average capital) can be selected. \ r \ nThe auto financing or guarantee company is the third party with sufficient compensation capacity as the guarantor who repays the principal and interest of the loan and assumes joint and several liabilities.

do I have to use a credit card for a credit loan?

nowadays, many friends want to borrow money from banks because of financial problems, but most banks need mortgages, and credit loans don't need mortgages. So, do credit loans need credit cards?

1. Credit loans don't have to be applied by credit card. Although credit cards will provide related credit loan services to high-quality credit card customers, users without credit cards can also apply for credit loan products independently launched by banks.

2. Users without credit cards can try to apply for credit loans as long as they have good credit, stable income and the ability to repay principal and interest.

3. Whether the user has a credit card or not, applying for a credit loan needs to pass the system audit, and it is useless to have a credit card if it fails to pass the audit.

To sum up, we know that credit loans don't need credit cards, so you can go to the bank for consultation.

Let's talk about why loans should be introduced to credit cards.