What is a credit card?

Credit cards and debit cards are rectangular bank cards.

Credit card is a payment method that does not require the use of cash transactions. After applying for a credit card from the bank, you can spend it directly without paying the fees yourself. It is a short-term loan that needs to be repaid later.

If you don’t have it temporarily, using a credit card can increase your flexibility of funds, and there are many marketing agencies that allow you to enjoy various discounts brought by credit cards, and often use credit cards for consumption. , it can also make your credit score better, but remember to make timely repayments. A stable repayment record will allow the bank to list you as a high-quality customer.

If you need a home loan or a car loan in the future, It will be easier to approve. When using a credit card, monthly consumption records will be recorded flexibly, allowing you to have a clearer picture of your consumption.

How to apply for VISA credit card? What is the nature of the card?

The conditions for applying for a VISA card are as follows:

1. Application conditions

Anyone who is over 18 years old, has full capacity for civil conduct, and has a stable job and source of income , individuals with good credit records can apply for a visa credit card from the bank. The main card supports applications between the ages of 18-65, and the supplementary card requires people over 16 years old. Generally speaking, as long as you meet the requirements, you can provide the following application materials and your application will be successful.

2. Information required for application:

1. Identity proof information: copy of ID card or military officer certificate; if you are a compatriot from Hong Kong and Macao, you need to provide a Mainland Travel Permit and a A copy of your proof of residence for more than one year; if you are a foreigner, just provide a copy of your passport and your proof of residence for more than one year.

2. Proof of work and income: labor contract, salary certificate, or business card and badge with photo.

3. Supporting materials for financial strength: copies of real estate certificates, car driving licenses, deposit receipts and other materials.

The nature of the card is mobile payment and services

As the number of mobile devices continues to grow, Visa is working hard to expand the application scope of its payment products and services through mobile devices.

Extended information

VISA and MasterCard are not banks, but a banking organization, just like China's "UnionPay";

VISA card refers to any bank issued One of the international credit cards, the other is with the MASTER logo;

VISA is like China's UnionPay, and VISA International is currently the largest international credit card organization in the world. It is a non-profit international organization participated by banks around the world. Its members are composed of banks and other financial institutions, establishing a global payment and financial services network;

The main international organization is Visa International (VISA International) and MasterCard International;

If the card has the VISA logo, it proves that the credit card has joined the VISA organization and can be used in the banking system under its network;