Current location - Trademark Inquiry Complete Network - Overdue credit card - Knowledge about credit cards
Knowledge about credit cards
1. There are two main requirements for credit card application: \xd\1. Age requirement: 18-6 years old; \xd\2. Have a stable job and income source. \xd\ II. Materials and certificates to be provided when handling: \xd\1. Domestic residents only need to provide: complete and signed application form, identity certificate, residence certificate and income certificate; \xd\2. Foreigners and people from Hong Kong, Macao and Taiwan also need to provide: residence permit for foreigners (the reason for residence must be employment) or employment permit for foreigners/people from Hong Kong, Macao and Taiwan; \xd\3. If you are a private owner, in addition to the above information, you need to provide: a copy of the business license showing the name of the applicant, the name of the enterprise and the start date. \xd\ III. If you want to apply for a large credit card, you need to provide proof of good economic strength, such as a copy of the real estate license and a copy of the automobile driving license; Bank loan account (good credit, overdue for no more than 6 days) or copy of deposit certificate, etc. \xd\ IV. Cash withdrawal by credit card: \xd\1. Cash withdrawal by credit card overdraft: \xd\A handling fee: depending on the regulations of various banks, for example, .5% of the cash withdrawal amount is charged for credit cards of CCB within China, with a minimum of RMB 2 yuan and a maximum of 1 yuan; The credit card of China Merchants Bank is charged at 1% of the cash withdrawal amount, with a minimum of RMB 1 yuan per transaction; \xd\B Interest: calculated at five ten thousandths of the daily interest rate. \xd\2. Cash withdrawal of credit card overpayment: Some banks need to charge a handling fee, while others don't. For example, the handling fee of China Merchants Bank is .5% of the withdrawal amount, and the minimum charge is ¥5 yuan or $1. \xd\ V. Credit card swiping at POS machine: \xd\1. Repay in full on time, free of interest; \xd\2. Pay the minimum repayment on time, and charge it at the rate of five ten thousandths of the daily interest; \xd\3. In case of overdue repayment, in addition to the above interest, there is also a late payment fee.