When applying for a credit card to fill in the application form, there are two contacts. One is an immediate family member and the other is a friend or colleague. You need to fill in their names, work units and contact numbers. These two contacts do not call for verification in the process of verifying the card, but serve as contacts in an emergency.

If your card is stolen or risky, the card owner can't contact you, so you can contact the emergency contact person. In addition, if the cardholder fails to repay the arrears, the bank will also call the immediate family to urge the cardholder to repay.

It should be noted that handling a credit card is a contract between the cardholder and the bank, and the contract is only valid for both parties. Although the immediate family members are only contacts, they are not responsible. After all, the contact just can't find a credit card holder in the bank for you to find someone, so it won't affect the contact's credit history.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

superiority

Compared with ordinary bank savings cards, the most convenient way to use credit cards is for ordinary consumption, and there is no cash in the cards. In many cases, it is enough to return the consumption amount on time.

You can spend without deposit overdraft, and enjoy an interest-free period of 20-56 days to repay on time without any charge (most banks will charge 0.5% interest on the day of cash withdrawal, and there will be a 2% handling fee, but ICBC will only charge interest).

It is not only safe and convenient to swipe your card when shopping, but also a bonus gift.

Special merchants who hold cards in banks can enjoy preferential treatment.

Accumulate personal credit, add credit records to credit files, and benefit for life.

Access to the whole country is barrier-free, and you can withdraw money or spend money by credit card on ATM and POS machines with UnionPay logo; (Note: Credit cards are only suitable for credit card spending. It is best not to withdraw cash, which is expensive and uneconomical. )

Credit card spending, some credit cards get existing points, and various discounts and lottery activities throughout the year, so that you can always have surprises as long as you use the card; (Most credit cards have no points for online payment, but online payment is very convenient and fast. )

Mail the statement free of charge every month, so that you can grasp every consumption expenditure transparently; (Now advocating environmental protection, you can cancel the paper statement and change it into an electronic statement. )

Unique supplementary card function, suitable for husband and wife to jointly manage money or master children's financial expenses.

The free choice of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB.

400 telephone or 5-digit short number prefixed with "9" provides 24-hour service, and the report of loss takes effect immediately, with zero risk of card loss.

Validity period: It is known that the validity period of domestic credit cards is generally three to five years.

Use the third-party platform (the domestic platform supporting credit card bill management is mainly Jujindou) to conduct business cooperation and provide preferential services for cardholders.

disadvantaged

The invention of credit card is like a double-edged sword, which can solve the temporary economic crisis. However, the purpose of issuing credit cards is to make money. Once the interest-free repayment time is exceeded, high interest will be charged, usually five ten thousandths of interest per day.

Blind consumption of credit cards is not like paying cash in a lump sum. I don't feel anything when I brush. A few figures lead to blind consumption and spending money like water.

Excessive consumption of notebooks, digital cameras and smart phones, while enjoying your favorite items in advance, you should also consider whether you can repay them.

High interest If you can't get a credit card and can't repay on time when the final repayment date comes, the bank will charge you high interest. (The minimum repayment amount of a credit card in the first month shall not be less than 10% of the overdraft amount in the current month)

Credit cards that need to pay an annual fee basically have an annual fee, but they basically have an annual fee-free policy. For example, CCB can be exempted as long as it is brushed three times a year; But if you don't swipe your card to the bank the specified number of times within a year, you need to charge an annual fee.

Stealing a credit card is basically a default credit card consumption without password, which is easy to be stolen by others when it is lost or stolen, causing unnecessary trouble or loss; But in fact, credit cards can also be charged by passwords-it depends on how you manage your credit cards. Of course, many people have not cancelled their credit cards because of their lack of experience in this field, and some lawless elements have reapplied for credit card overdraft, which is not worth it.

Long-term malicious arrears that affect personal credit records will naturally affect personal credit records and even be blacklisted by banks. If you want to borrow money from the bank to buy a house and a car in the future, you may be rejected by the bank.

CCTV reported that a cardholder received a bank bill several months after paying off all debts and canceling his credit card, and what happened afterwards made him miserable. This article named "Unknown Credit Card" exposes the disadvantages of current credit cards.

Although credit cards have an interest-free period, they are only for credit card consumption. There is no interest-free period for cashing, and a handling fee is charged.