What exactly is a credit card for?
1. It is convenient for people's life and saves the trouble of carrying cash. Moreover, there is no geographical restriction in using credit cards. No matter where you swipe your card in China, you can swipe it as long as you have the UnionPay logo, and there is no handling fee.
2. You can participate in various discount activities in cooperation between merchants and banks, and you can enjoy various discounts when you spend with merchants in cooperation with banks.
3. Value-added services. All kinds of credit cards launched by banks are accompanied by some value-added services. At present, the services offered by banks can be divided into seven categories: cash return, lottery, shopping discount, free insurance, travel service, personal financial report and other value-added services.
Extended information
Credit card application:
1. In most cases, citizens who have full capacity for civil conduct (citizens aged 18 or above in Chinese mainland) and have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
2. The object of applying for a credit card can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China.
each unit can get a main card and several (5-1) supplementary cards when applying for a credit card. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
3. Generally, the application method is to fill in a credit card application form. The contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant. And submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate.
Baidu Encyclopedia-Credit Card [img]
What are the uses of credit cards?
1. Credit cards, also known as debit cards, are 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, which is a way of spending first and then repaying.
2. Credit cards are divided into general cards, gold cards, platinum cards and other grades, in which the general card amount is generally within 1, yuan, the gold card amount is within 1,-5, yuan, and the platinum card amount is above 5, yuan. The highest amount of credit cards is the black card. In foreign countries, the black card belongs to the debit card, which is unlimited and can only be handled by some top people in the world. In China, debit cards are not allowed, but only in the form of credit cards, and there are limits on domestic black cards.
what are credit cards for?
the most direct function of credit card is to provide you with capital flow.
a credit card means that when you need money, you can use it directly and repay it later. Bank cards and their accounts are for personal use only. Anyone who legally holds a credit card, whether a friend or someone else, is not allowed to borrow his own credit card, no matter what the purpose of others is.
Credit card banks give individuals a certain amount of money according to their credit. If there is no deposit, they can spend or cash first, and then repay the bank card. The main function of a credit card is to spend or cash, and a payment must be made on time, otherwise there will be overdue or bad records.
extended information
there is no need to pay cash when spending with a credit card, 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 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 as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit.
the name of the issuer, the expiration date and the name of the cardholder are printed on the front of the credit card. On the back are chips, magnetic strips and signature strips. Cardholders can purchase, consume and withdraw cash from special units through credit cards.
Baidu Encyclopedia-Credit Card
What is a credit card?
Credit card is also called a debit card, which 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, which 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. 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.
applying 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 copy of ID card or household registration book or household registration book), proof of residence, proof of unit income or proof of personal assets and other materials to apply to the card issuer, and you need to fill out an application form, in which the information required is true. After filling out the application form, you should go to the head office of the bank for the record. After the head office of the bank reviews the application materials, it will take about 2 working days to issue the card to the customer. Credit cards are only available to customers aged 18 or above, and minors are not allowed to apply for credit cards.
it is relatively simple to apply for a debit card. You only need to bring your valid certificate (ID card or household registration book) and fill out the application form at the account opening bank, then you can issue the card to the applicant. There is no age limit for applying for debit cards, and minors can also apply for them. 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 can go to the bank counter to apply for debit cards by themselves with their work certificates and ID cards if they have already taken part in the work. If they have not taken part in the work, they still need the assistance of their guardians, and the person being handled may not be present; Handlers who have reached the age of 18 or above can apply for debit cards directly with their ID cards at the counter of bank outlets or at the all-in-one self-service card handling machine, and they can get them immediately. According to national regulations, debit cards handled as minors do not have the function of online banking and cannot be bound with mobile payment software.
reporting the loss of bank cards
The reporting procedures of major banks are different. 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 the loss.
What's the credit card for
Credit cards, also called debit cards, are 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, which is a way of spending first and then repaying.
credit cards are divided into general card, gold card and platinum card, among which the general card amount is generally within 1, yuan, the gold card amount is within 1,-5, yuan and the platinum card amount is above 5, yuan.
a credit card refers to an electronic payment card issued by a commercial bank or other financial institution with all or some functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal. On December 1, 217, the Standard for English Translation and Writing in Public Service Field was officially implemented, stipulating that the English name of the CreditCard standard is Credit Card.
credit card consumption is a non-cash transaction payment method, and it is not necessary to pay cash when spending, and the repayment will be made on the BillingDate.
Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder 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 as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.
from January 1, 221, the credit card overdraft interest rate will be determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate will be cancelled (the original upper limit is .7 times of the daily interest rate, and the lower limit is .7 times of the daily interest rate).
a credit card is a special carrier card with consumer credit, which is issued by a commercial bank to individuals and units, so as to make purchases, spend money and deposit and withdraw cash from the bank. It is in the form of a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back.
a real credit card has the following characteristics: cash deposit is not encouraged, it is paid after consumption, it enjoys an interest-free payment period, it can be repaid by installments (with minimum repayment amount), and it can be used worldwide by joining international credit card organizations such as VISA and MASTER.
from : on August 29th, 219, when using the credit card repayment function, an additional .1% of the actual repayment amount will be charged for each credit card repayment, and the user will pay the repayment amount and the handling fee at the same time.
jingdong finance has also adjusted the credit card repayment service rules: starting from September 1st, the same user can enjoy a maximum free repayment amount of 1, yuan per month, and a service fee of .15% will be charged for the part exceeding the maximum free repayment amount.
what can a credit card be used for?
the credit card is overdraft card, so you should spend it first and then repay it.
credit card functions: 1. Credit cards mainly use bank funds to spend in advance and enjoy interest-free period, which is a financial management method. 2. The credit card is not a savings card, and the interest will not be settled on the deposit in the credit card.
3. Credit card can be used as a payment tool, and it can be directly consumed through the credit card POS machine or online payment platform installed by merchants. 4. The bank will also provide you with various forms of integral, discount, installment, lottery, promotion and other activities.
5. Credit card is also the main international payment tool. You can shop conveniently on overseas and international websites. If you are on a business trip and staying in a hotel, only credit card can complete the hotel pre-authorization for you.
This is the end of the introduction about what you can do with a credit card and what you need a credit card. Did you find the information you need?