2. As for the business card with no annual fee, it seems that only the budget unit of CCB has no annual fee.
As for which bank is easy to handle, the key depends on your credit status, and ICBC is easy to handle. 1. To apply for a credit card, you need to prepare the following materials:
Work certificate and income certificate. You need to go to the bank to get this certificate application form, and then fill in some basic information yourself, and then give it to the work unit with official seal and then hand it over to the bank.
Social security payment certificate. Social security payment certificate is a good proof of job stability, and the success rate of applying for social security card will be improved.
Certificate of deposit. If there is a bank deposit, the applicant can issue a deposit certificate in the bank and then apply for a credit card from the deposit bank, which will improve the success rate of card handling.
Vehicle driving license. If you apply for the owner's credit card, you also need to provide the vehicle driving license.
Property certificate. Now, if you want to apply for a large credit card, you can use the real estate license as proof of property.
I already have a credit card. If you have a credit card from another bank, as long as it has been used normally for more than 3 months, it can be used as an additional material for applying for a card.
Second, the main characteristics of credit cards
1. Cash deposit in advance is not allowed. You can enjoy an interest-free repayment period and can repay in installments (minimum repayment amount). Join VISA, MasterCard, JCB and other international credit card organizations, which are universal.
2. It is one of the fastest developing financial services, and it can replace the traditional cash circulation in a certain range.
3. It has 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.
It is a high-tech product integrating financial business and computer technology.
5. It can reduce the use of cash currency.
6, can provide settlement services, convenient shopping and consumption, enhance the sense of security.
7. It can simplify the collection procedure and save social labor.
8. It can promote commodity sales and stimulate social demand.
Extended data:
College students' credit card function
1. Remittance in different places is free: parents can deposit cash in different places with the card number and withdraw money locally without paying any handling fee.
2. Cumulative points for consumption: With credit card consumption, you can accumulate points of the corresponding issuing bank, and the points can be exchanged for goods. The specific accumulation rules and convertible goods vary from issuing bank to issuing bank.
3. Establish a credit record: A good credit record is convenient for handling housing loans or other consumer loans in the future.
4. Pay after spending: After spending by credit card, the bank will collect the money after 20~50 days, and will not pay any interest or fees during this period.
5. Installment shopping: You can apply for credit card installment payment when you buy your favorite computer and other big items, and the term ranges from March to 24th.