Credit card, also known as debit card, is mainly used for overdraft consumption. After the user applies for a credit card, the bank will give you a certain amount, and the user can make overdraft consumption within the amount, and need to repay after overdrawing the credit card. This is a way of spending first and then repaying.
Bank card refers to a credit payment tool issued by commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes. The application of bank card automatic settlement system makes the dream of "no cheque, no cash society" come true.
Apply for a bank card
The process of applying for a credit card and a debit card is different.
When applying for a credit card, you need to bring your valid certificate (ID card or ID card copy or household registration book or household registration book copy), residence certificate, unit income certificate or personal assets certificate and other materials to apply to the card issuer, and you need to fill out an application form, in which the required information is true. After filling out the application form, you should go to the head office of the bank for the record. It will take about 20 working days to issue cards to customers after the head office of the bank examines the application materials. Credit cards are only available to customers aged 18 or above. Minors are not allowed to apply for credit cards.
Handling debit cards is relatively simple. You only need to bring your valid certificate (ID card or household registration book) and fill in the application form at the bank where you open the account, and you can issue the card to the applicant. There is no age limit for applying for a debit card, and minors can also apply. When a customer under the age of 16 applies for a debit card, the guardian shall go to the counter of the bank branch with the household registration book (if it is not on the same household registration book, relevant certificates shall be provided), and the person to be handled may not be present; Minors who have reached the age of 16 but under the age of 18, who have joined the work, can apply for debit cards at the bank counter by themselves with their work certificates and ID cards. If you don't take part in the work, you still need the assistance of your guardian, and the person being treated may not be present; Managers who have reached the age of 18 can apply for debit cards directly at the counter of bank outlets or at the all-in-one card self-service card machine with their ID cards, and can collect them immediately. According to national regulations, debit cards handled by minors do not have online banking function and cannot be bound with mobile payment software.
Bank card loss reporting
The reporting procedures of major banks are not exactly the same. If you lose it, you can report it temporarily by telephone or online banking, and then bring your ID card and other supporting materials to the bank counter to report it.
Handling and use of credit cards
The most important conditions for applying for a credit card are that 18-60 years old (foreigners are 25-60 years old), have certain financial ability and have a good credit record. Please refer to the actual audit of the bank for the credit card application results.
The necessary application documents are copies of identity certificate and work certificate. If other financial documents can be provided, it will be more helpful for banks to understand the applicant's personal situation and judge the credit line.
If the user meets the requirements for applying for a credit card, he can try to apply for a credit card in the following ways:
1. Online application: Please open the bank credit card official website, select the horizontal menu "Apply for Credit Card"-"Apply for New Customer", select your favorite card type, and follow the prompts.
2. Please bring my original identity certificate, work certificate and financial documents to the banking outlets.
3. You can add a bank credit card center through WeChat and click "I want to apply for a card".
How to use a credit card:
1. Credit cards can be swiped online from merchants' POS machines, or paid online in shopping malls, or tied to third-party formal platforms such as Alipay and WeChat.
You can withdraw cash at the bank's ATM, but the bank may charge a handling fee.
3. Apply to the bank for cash installment. The cash installment amount is generally 50% of the credit card amount. After the application is successful, the bank will transfer the money to your savings card.
How to handle and use credit cards?
The most important conditions for applying for a credit card are that 18-60 years old (foreigners are 25-60 years old), have certain financial ability and have a good credit record. Please refer to the actual audit of the bank for the credit card application results.
Credit card is a credit card issued by banks and other financial institutions to users with good financial status for shopping or spending at designated businesses. This special card is also a credit certificate. We have several ways to handle credit cards:
1. Online application: Please open the bank credit card official website, "Apply for Credit Card"-"Apply for New Customer", select your favorite card type and follow the prompts.
2. Please bring my original identity certificate, work certificate and financial documents to the banking outlets.
3. You can add a bank credit card center through WeChat and click "I want to apply for a card".
4. Through the recommendation of others, friends who already have credit cards can directly recommend other users to apply for bank credit cards. At this time, the person you recommend can apply for a credit card, which is equivalent to a guarantee in the eyes of the bank, but the bank will actually check the corresponding qualifications of the cardholder and then finally decide whether to apply for a card for you.
How to use a credit card:
1. Credit cards can be swiped online from merchants' POS machines, or paid online in shopping malls, or tied to third-party formal platforms such as Alipay and WeChat.
You can withdraw cash at the bank's ATM, but the bank may charge a handling fee.
3. Apply to the bank for cash installment. The cash installment amount is generally 50% of the credit card amount. After the application is successful, the bank will transfer the money to your savings card.
Friendly reminder: individuals must form good habits when using credit cards, do not spend too much in advance, use according to their own economic ability, repay in time and avoid overdue!
How to activate the use of online credit cards
It is convenient and fast to apply for a credit card online. Many friends don't know how to activate their credit cards after applying successfully through this channel. As we all know, after getting a credit card, no matter which way you handle it, you must activate it before you can use it. Here are some related matters about the activation and use of credit cards.
Online credit card processing is a way of online card processing. The applicant applies in official website, the Bank's credit card center or the third-party website authorized by the Bank. Generally speaking, people with stable jobs and good credit records can apply for cards through this channel.
Online credit card application to complete activation can be divided into four steps:
1. The applicant selects the appropriate credit card in the credit card center official website or the third-party website, and clicks the card to enter the application page;
2. Fill in the applicant's personal name, ID number, family situation, work situation and other basic information. And submit the application form;
3. After submitting the application form, the credit card center will review the applicant's information, which will generally be recorded within 15 working days. Applicants can check the progress of card processing through telephone banking and the Internet;
4. After the approval is completed, the bank will send a short message to the applicant to inform the applicant of the approval result. After the approval, the applicant, after receiving the notice of credit card or card withdrawal, will bring the valid ID card and credit card to the counter of the bank branch, activate the credit card and set the password according to the notice requirements.
After activating the credit card and setting the password, you can use the credit card.
The use of credit cards includes many aspects, such as credit card consumption, online payment, repayment and handling various businesses. Before using the card, you must master the various ways to use the card.
1, credit card consumption: This is easy to understand. As long as there is a pos machine, you can pay by credit card. If Alipay is bound with a credit card, it can also make offline consumption through some pos machines.
2. Online payment: Online payment by credit card is very simple. For example, if you want to shop in Taobao, you can choose a good product and click the payment method. Enter credit card, three-digit security code and SMS verification code to pay.
3. Repayment: If you use a credit card to overdraw your consumption, you must repay it on time, otherwise it will affect your credit history. There are many ways to repay by credit card. You can repay through mobile banking or a third-party payment platform (such as Alipay).
How to activate a credit card for the first time?
Many friends who apply for a card for the first time don't know what to do after getting a credit card. Generally speaking, you must activate your credit card to use it. The following is an introduction to how to activate and use credit cards.
I. Credit card activation
The first time you use a credit card, you must activate it. Any inactive credit card cannot be used. There are many ways to activate a credit card. If you don't know how to activate it, you can refer to the following three ways:
1. Deactivation: This activation method is simple. Generally, you need to bring a valid ID card and credit card to the issuing bank's business outlets. Some banks stipulate that you can only apply for a credit card online in this way. Generally, you will be informed of the relevant documents you need to bring by SMS.
2. Online activation: There are many ways to activate credit cards online. You can pay attention to the activation of the official WeChat account of the issuing bank, or you can activate it in the credit card official website of the issuing bank.
3. Telephone activation: Generally, you need to dial the 24-hour service hotline on the back of the credit card, and then open the card by yourself according to the voice prompt. If not, you can transfer to manual service, and ask customer service to help open the card.
Second, the use of credit cards.
The use of credit cards includes many aspects, such as credit card consumption, online payment, repayment, and handling various businesses, such as bill installment and cash withdrawal. You must have a general understanding of the use of credit cards when you apply for a card for the first time.
1, Credit card consumption: Credit card can be used as a payment tool and can be directly consumed through the credit card POS machine installed by the merchant.
2. Online payment: Online payment by credit card is very simple. For example, if you want to shop in Taobao, you can choose a good product and click the payment method. Enter credit card, three-digit security code and SMS verification code to pay.
3. Repayment: If you use a credit card to overdraw your consumption, you must repay it on time, otherwise it will affect your credit history. There are many ways to repay by credit card. You can repay through mobile banking or a third-party payment platform (such as Alipay).
How to handle and use credit cards?
Handle:
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank.
After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form.
The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.
After the applicant successfully applies for a credit card, the issuing bank will open a separate credit card account for the cardholder at the issuing bank for shopping, consumption and settlement after cash withdrawal.
Use:
Credit cards are usually only used by the cardholder himself, and lending them to others is generally a violation of the use contract. Swiping a card on a POS machine is the most common way to use a credit card, and it is also a way to swipe a card online.
When swiping a card, the operator should first check the validity period of the credit card and the cardholder's surname. Then, according to the issuing bank and the kind of currency to be paid, the corresponding POS machine is selected, and the magnetic stripe of the magnetic stripe credit card is drawn on the POS machine.
Or insert the chip credit card into the card slot, connect with the bank and pay, and input the corresponding amount. After receiving the information of remote payment, POS will print out the receipt of credit card payment (at least two copies).
The cardholder shall sign after checking that the information on the payment receipt is correct. After checking the signature on the receipt and the signature on the back of the credit card (including the complete name matching and the basic handwriting matching), the operator sends the credit card copy and the credit card payment receipt to the cardholder. At this point, the credit card swiping program on the POS machine is completed.
Extended data:
According to the Notice on Issuing the Measures for the Administration of Credit Card Business:
Article 33 Any unit that opens a basic account in a financial institution in People's Republic of China (PRC) may apply for a unit card. You can apply for multiple business cards, and the cardholder qualification shall be designated and cancelled in writing by the legal representative of the applicant or his entrusted agent.
Every citizen with full capacity for civil conduct can apply for a personal card. Personal card holders can apply for supplementary cards for their spouses and 18-year-old relatives, and the number of supplementary cards shall not exceed two at most. The holder of the main card has the right to request the cancellation of its supplementary card.
Thirty-fourth units or individuals to apply for a credit card, should fill in the application form in accordance with the provisions, together with the relevant materials submitted to the issuing bank. For those who meet the requirements, the issuing bank will open a credit card account for the applicant and issue credit cards.
Article 35 The funds in the corporate card account shall be transferred from its basic account, and shall not be deposited in cash, and the funds and sales income from other deposit accounts shall not be deposited in the corporate card account.
The funds in the personal card account are limited to cash deposits held by individuals or transfer deposits with their wages and other legitimate income belonging to individuals. It is strictly forbidden to transfer unit funds into personal card accounts.
Article 36 Credit cards are only used by legitimate cardholders, and cardholders are not allowed to rent or lend their accounts.
Article 37 After the cardholder has paid off the overdraft principal and interest, he may cancel the account under any of the following circumstances:
(a) 45 days after the expiration of the credit card, the cardholder has not replaced the new card;
(two) 45 days after the loss of the credit card, there is no supplementary card and no new card has been replaced;
(3) The credit card was withdrawn by the issuing bank for 45 days due to its bad reputation and was included in the stop payment list;
(four) the cardholder died for some reason, and the issuing bank has recovered his credit card for 45 days;
(five) the cardholder requests the cancellation of the account or the guarantor to cancel the guarantee, and has returned all the credit cards for 45 days;
(6) The credit card account has not been traded for more than two years (inclusive);
(seven) the cardholder violates other regulations, and the issuing bank thinks that his qualification should be cancelled.
Article 38 The issuing bank shall withdraw the credit card when canceling the account. If the valid card cannot be recovered, the payment should be stopped.
When the account is closed, the balance of the company card account is transferred to basic account, and cash cannot be withdrawn.
Article 39 If a credit card is lost or stolen, the cardholder shall immediately apply to the nearest card-issuing bank or correspondent bank with his/her ID card or other valid documents, and provide relevant information in accordance with regulations to handle the loss reporting procedures.
Fortieth, if a cardholder finds his credit card after applying for loss reporting, he can apply for cancellation of loss reporting and stop payment.