Materials and certificates to be provided when handling:
1. Domestic residents only need to provide: a completed 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 foreigner's residence permit (the reason for residence must be employment) or a foreigner/Hong Kong, Macao and Taiwan people's employment permit;
3. If it is a private owner, in addition to the above information, it is also required to provide: a copy of the industrial and commercial business license showing the name of the applicant, the name of the enterprise and the opening date.
Extended data:
Matters needing attention
After the credit card was swiped vigorously during the Spring Festival, some new charging items such as over-limit fees appeared on the cardholder's bill.
The so-called overrun fee refers to the extra overdraft given by the bank after the cardholder reaches the total overdraft of the credit card, which is generally 10% of the original overdraft. The advantages of this are: the cardholder does not need to temporarily apply for a higher quota or can't swipe his card; The disadvantage is that the cardholder has to pay 5% of the overdraft limit.
In order to avoid being charged by the bank, some cardholders turn to the bank to apply for a temporary increase in overdraft limit, the increase rate is mostly 10%-20%, and the term is usually 1 month. After the specified time, the credit card was restored to the original limit.
Therefore, cardholders must remember the term of the temporary limit to avoid the phenomenon of overdue repayment of credit cards. In addition, we should also pay attention to the problem of temporary increase in over-limit: if overdraft is used in the second half of the month, it is likely that the excess will result in over-limit fees.
For example, A's credit card overdraft is 50,000 yuan. 12 applied to the bank to increase the temporary line of RMB 30,000.00 yuan on February 20th, but it was not until June 30th of 15 that the RMB 30,000.00 yuan was used. By June 20th, 65438+, A's credit card overdraft was automatically reduced to 50,000 yuan, but in fact, A overdrawn 80,000 yuan in June of 65438+, and 30,000 yuan between them would generate 5% overrun fee.
Therefore, before the credit card overdraft limit is automatically reduced to the original limit of 50,000 yuan, the cardholder should first return 30,000 yuan and control the outstanding amount within the overdraft limit of 50,000 yuan to avoid paying the overrun fee.
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