1. To apply for a dual-currency credit card, the applicant must agree to abide by the Articles of Association, fill out an application form, provide relevant supporting materials and submit it to the issuing bank for review. The applicant shall be responsible for the authenticity of the contents of the application form and the supporting materials.

2. Institutions, organizations, armed forces, enterprises, institutions and other organizations (hereinafter collectively referred to as units) that have opened basic account in financial institutions in China and have repayment ability.

You can apply for a corporate card with the basic account account opening registration certificate and relevant supporting documents approved by the People's Bank of China. The cardholder of the unit card shall be designated in writing by the legal representative (person in charge) of the unit or its authorized agent.

3. A natural person with full capacity for civil conduct and repayment ability can apply for a personal card master card with his/her valid identity document and relevant supporting documents.

Extended information

Precautions for using credit cards

1. Repayment methods of credit cards

1. Within the issuing bank

These methods include: counter of issuing bank, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the money will generally be recorded after being processed by the system on the same day.

2. Transfer/remittance repayment

There are two ways: inter-bank in the same city and inter-bank in different places. No matter how to transfer or remit money, the remitting bank will charge a certain fee, and at the same time, the time of payment and the convenience of repayment are not as good as those in peers, online repayment and convenience store repayment.

3. Online repayment

The common online platforms in China are UnionPay Online, Kuaiqian, Shengfutong, Alipay and Tenpay. Different platforms and banks are selected, and the charging standards and specific payment arrival time are different.

Second, the credit card should be repaid in time

Cardholders should pay special attention to the last repayment date of the credit card, which is the last day of the interest-free repayment period. Before that, the repayment will be interest-free. If it is overdue, all consumption funds will no longer enjoy the interest-free repayment treatment. The bank will calculate the interest on a daily basis with the consumption amount as the principal, with a daily interest rate of .5 ‰, with a monthly compound interest and a late fee.

therefore, you should pay back in time when using credit cards, otherwise it will be overdue. Consequences of overdue:

1. There will be liquidated damages, generally the minimum repayment amount, which is 5% of the unpaid part.

2, high interest, and it is a rolling interest, and interest is very scary when there are many debts.

3. The overdue period will stain the credit record, which will lead to the inability to handle financial needs such as house purchase and loan in the next two years.

4. If it is overdue for more than 3 months and the amount exceeds 1,, the bank has failed to make several reminders, and it will not only pay back the money, but also bear criminal responsibility.

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