2. A few hours later or the next day, every bank is different. Customer service will call back to explain that it is reasonable for them to deduct interest. If you want to continue to ask for a refund, the customer service will say that you will apply again.
After repeating this several times, the customer service will agree to refund the interest, but it is definitely impossible to refund it in full, only a part.
One: the classification of credit cards
1. According to different card issuers, it can be divided into bank cards and non-bank cards.
(1) bank card. This is a credit card issued by the bank. Cardholders can shop at the special merchants of the issuing bank, or withdraw cash at any time at the branches of the issuing bank or at places with ATMs.
(2) Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations such as department stores and oil companies. Specially used for shopping in designated stores or refueling at gas stations, and regularly checked. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, catering, accommodation, entertainment and so on.
2. According to different card issuers, it can be divided into corporate cards and personal cards.
(1) company card. Company cards are issued to all kinds of industrial and commercial enterprises, scientific research and education institutions, state party and government organs, military units, organizations and other legal persons.
(2) Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed individuals and other urban and rural adult residents with stable income sources. Personal card is applied in the name of an individual, and all responsibilities for using the card are borne by the individual.
3. According to the credit status of the cardholder, it can be divided into ordinary card and gold card.
(1) ordinary card. Ordinary cards are issued to cardholders with average economic strength, reputation and status, and the requirements for them are not high.
(2) gold card. Gold card is an advanced credit card with high payment and special treatment. The issuer is an issuer with high credit standing, strong repayment ability, good credit or a certain social status. The gold card has a higher starting point of authorization limit and a wider range of additional services, so the requirements for related service fees and guarantee funds are also higher.