Treatment method and introduction:
Documents required by the bank:
Copy of the applicant's ID card of the main card and the auxiliary card (required). Identity documents refer to one of resident identity cards, military officers' cards, Hong Kong and Macao residents' passes to and from the mainland, Taiwan Province compatriots' passes to and from the mainland and foreign passports.
Two, proof of work, such as a copy of the work certificate, the original work certificate issued by the work unit, a copy of the professional qualification certificate, a copy of the professional title certificate.
3. If you provide a copy of ICBC's "wealth management fund" account or a copy of master's or above diploma and degree certificate, it will speed up your card application. Applicants who work in a company (enterprise) generally need to provide proof of their own property (copies of their own property ownership certificate, public housing lease agreement or public housing purchase agreement, housing loan contract and other information).
4. In order to process your application as soon as possible and obtain an accurate credit limit, please provide the following financial documents, such as payroll records issued by banks, income certificates issued by units, income tax withholding certificates, driving licenses of your own cars, copies of our time deposit certificates and other materials.
There are two kinds: online credit card mall and physical store purchase.
Simple example, you want to buy a 4000 camera. Your credit card limit must exceed 4000. When you shop in the online credit card mall, your credit card will cost 4000 yuan at this time. The credit card mall will help you calculate how much you will pay back every month, and you can deposit it in your card on time every month.
If you buy in a physical store, the merchant will brush away 4000 yuan from you. After the purchase is successful, call the customer service hotline of the credit card center and tell the other party that you want to stage it. The other party will help you with the installment contract, which will take effect after you confirm it.
If in doubt, you can also call the hotline of the credit card center and charge by local phone.
Introduce the bank card:
1. Credit card is a card issued by the bank after verifying that the cardholder has a stable source of economic income. The bank will first inject a certain amount of money into the card, which is called the credit line, and the applicant does not have to deposit money first.
Credit card can also save money, but it won't generate interest.
3. Credit cards are generally used for consumption and do not generate interest during the interest-free repayment period. After the repayment period, there will be a late fee plus five ten thousandths of interest every day.
4. If a credit card overdraws cash, it will generate five ten thousandths of interest every day, and some banks will charge a handling fee.
Installment payment:
Installment payment is an agreement signed between banks and merchants. General merchants will require credit cards from designated banks to enjoy installment payment. Moreover, the total price of the purchased goods will be deducted from the credit limit of the credit card, and consumers will repay their credit cards every month, and timely repayment will not generate interest.