1. Measures for the administration of credit card business: 1. Credit cards issued by overseas institutions and used in China shall not be less than 4% of the transaction amount.
Domestic banks sign credit card agency acquiring agreements with overseas institutions, and the profit distribution ratio is implemented according to the fact that domestic banks and overseas institutions account for 37.5% and 62.5% of the handling fees paid by special units respectively.
2. The credit card issued by the issuing bank shall meet the safety management requirements, and the card and password shall be delivered separately and the cardholder shall be prompted to collect them. When issuing a credit card, the cardholder shall be informed in writing of the date of the credit card bill, the credit card regulations and the instructions for safe use of the card. The issuing bank shall establish the operating rules for credit card activation, and check the identity information of credit card holders before activation. A credit card whose applicant has not signed a contract (agreement) and whose identity has not been confirmed by the activation procedure shall not be activated.
3. Newly issued credit cards, lost cards, damaged cards and expired cards must be activated before cardholders can use them. The credit card is not activated by the cardholder, and no fees may be charged.
2. How long does it take to make a credit report? Within three days overdue: all banks will provide time-sensitive services for cardholders, and repayment within three days overdue is regarded as timely repayment. But in fact, the implementation of each bank is different. For example, the Agricultural Bank can only postpone repayment for two days, while the Construction Bank can automatically postpone repayment for five days. If you are not sure, you can call the customer service phone of the bank for consultation. As long as you repay within the grace period, it will not be included in the credit report and will not be deducted.
Overdue for more than three days: it will basically be included in the central bank's credit information system, and the bank will charge a late fee according to the standard, and charge a penalty interest at the daily interest rate of five ten thousandths. However, because the overdue time is relatively short, the impact on applying for loans or handling credit cards in the future is not so great.
Overdue for more than 90 days or accumulated for more than 6 times: your credit history will be seriously affected, and you will be added to the blacklist of financial institutions. You can't apply for loans and credit cards, and even traffic will be affected.