The meaning of 15 points generally refers to 15%, that is, 15% of the credit card will be used as commission, and 1, yuan is 1,5 yuan.

1. There are two main requirements for credit card processing:

1. Age requirements: 18-6 years old;

2. Have a stable job and income source.

2. Materials and certificates to be provided when handling:

1. Domestic residents only need to provide: complete and signed application form, identity certificate, residence certificate and income certificate;

2. Foreigners and Hong Kong, Macao and Taiwan people also need to provide: a residence permit for foreigners (the reason for residence must be employment) or an employment permit for foreigners/Hong Kong, Macao and Taiwan people;

3. If you are a private owner, in addition to the above information, you need to provide: a copy of the business license showing the name of the applicant, the name of the enterprise and the date of starting business.

if you want to apply for a large credit card, you need to provide proof of good economic strength, such as a copy of the real estate license, a copy of the car driving license, a bank loan account (with good credit, overdue for no more than 6 days) or a copy of the deposit certificate. Extended information

Main features of credit cards

1. Pre-deposit of cash is not encouraged, and you can enjoy an interest-free repayment period, and you can repay by installments (with a minimum repayment amount). Join international credit card organizations such as VISA, MasterCard and JCB for global use.

2. It is one of the fastest-growing financial services at present, and it is an electronic currency that can replace the traditional cash circulation to a certain extent.

credit card

1. It has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also obtain certain loans from card issuers by using credit cards.

2. It is a high-tech product integrating financial business and computer technology.

3. It can reduce the use of cash currency.

4. It can provide settlement services, facilitate shopping and consumption, and enhance the sense of security.

5. It can simplify the collection procedures and save social labor.

6. It can promote commodity sales and stimulate social demand.

comparison of features

advantages

compared with ordinary bank savings cards, the most convenient way to use a credit card is to make ordinary consumption without cash in the card, and in many cases, just return the amount of consumption on time.

you can overdraw your consumption without deposit, and you can enjoy an interest-free period of 2-56 days. You can repay the money on time without any interest (most banks will charge .5% interest on the day of cash withdrawal, and there is a 2% handling fee, while ICBC will charge no handling fee and only interest).

swiping your card while shopping is not only safe and convenient, but also a bonus gift.

special merchants who hold cards in banks can enjoy discounts.

accumulate personal credit, and add a credit record to your credit file, which will benefit you for life.

Reference: Baidu Encyclopedia: Credit Card.