Successful credit card account opening means that your credit card has been successfully applied for and the bank has opened a credit card account for you.

After successfully opening a credit card account, the bank will mail the card to you. When you receive the card, you still need to open it before you can use it. Opening the card means activating your credit card. The activation method is very simple. Just call the customer service hotline on the credit card to apply for activation.

According to Article 7 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": A credit card refers to a credit card that records cardholder account information, has bank credit lines and overdraft functions, and provides cardholders with relevant banking services. All types of media.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card.

On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is Credit Card.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the specified credit limit.

The credit card generally refers to a credit card.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).

Credit card classification:

According to different card issuers, they can be divided into bank cards and non-bank cards

According to different issuing objects, they can be divided into corporate cards and Personal cards

According to the credit status, status and other credit conditions of the cardholder, they can be divided into ordinary cards and gold cards

According to different repayment methods, credit cards can be divided into credit cards Cards and quasi-credit cards

According to the different circulation scope of credit cards, they can be divided into international cards and regional cards