2. Credit card is a credit certificate issued by a commercial bank or credit card company to qualified consumers. The form of credit card is a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front. Consumers with credit cards can go to specialized 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.
I. Main features
① Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range;
② Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;
Credit card is a high-tech product integrating financial business and computer technology.
Credit card can reduce the use of cash and currency;
⑤ Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;
⑥ Credit card can simplify the collection procedures and save social labor;
⑦ Credit cards can promote commodity sales and stimulate social demand.
Second, advantages
Compared with ordinary bank savings card, the most convenient way to use credit card is to make ordinary consumption, and there is no cash in the card. In many cases, it is enough to return the consumption amount on time.
1. No deposit overdraft consumption, and 25-56 days interest-free repayment on time without any interest.
2. swiping a card while shopping is not only safe, hygienic and convenient, but also a bonus gift.
3. Special merchants who hold cards in banks can enjoy preferential treatment.
4. Accumulate personal credit, add a credit record to your credit file, and benefit for life.
5. National access is barrier-free, and you can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo.
6. Credit card spending and getting existing points. All kinds of discounts and lottery activities throughout the year will always surprise you with your card.
7. Mail the statement free of charge every month, so that you can grasp every consumption expenditure transparently.
8. Unique supplementary card function, suitable for husband and wife to jointly manage money or master children's financial expenditure.
9. The free choice of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB.
10.400 telephone or 5-digit short number with prefix of 9 provides 24-hour service, and loss reporting takes effect immediately, with zero risk of card loss.
1 1. Validity period: It is known that the validity period of domestic credit cards is generally three to five years.
12. Use the third-party platform (the domestic platform supporting credit card bill management is mainly Jujindou) to conduct business cooperation and provide preferential services for cardholders.