How to use credit card: The cardholder needs to activate the credit card first after receiving it. If the credit card is applied online, he must go to a bank branch to activate it. If the credit card is applied at the bank, it can be activated online. Generally, it is used All credit cards are swiped at the mall, just enter the card password and sign, or you can bind the mobile payment software to pay. Note: Do not lend your credit card to others. If someone else uses the card and the credit card expires, the bank will hold the cardholder responsible. When using a credit card, do not spend blindly and pay attention to the credit card limit.
The way to apply for a credit card is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his basic information, etc. And submit certain copies of documents and certificates to the card issuing bank.
After the customer fills in the application form truthfully, he or she must also submit relevant credit certificates while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.
After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. For the applicant, the creditworthiness of the applicant must be assessed. For individuals, the relevant circumstances of the guarantor must also be reviewed. After the applicant successfully applies for a credit card, the card-issuing bank will open a separate credit card account for the cardholder at the card-issuing bank for settlement after shopping, consumption and cash withdrawal.