1. At least 18 years old;
2. Hold a valid ID card;
3. No bad credit record;
4. There is a work certificate and income certificate stamped with the financial chapter of the unit;
5. Other financial certificates, such as real estate, automobiles, stocks and bonds. ;
6. Social security certificate;
The first four are the most basic conditions. If you can provide 5~6 supporting materials, it will improve the success rate of application and credit limit. If you are too young, the success rate of handling cards is not high.
Advantages:
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.
1. No deposit overdraft consumption, and 25-56 days interest-free repayment on time without any interest.
2. swiping a card while shopping is not only safe, hygienic and convenient, but also a bonus gift.
3. Special merchants who hold cards in banks can enjoy preferential treatment.
4. Accumulate personal credit, add a credit record to your credit file, and benefit for life.
5. National access is barrier-free, and you can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo.
6. Credit card spending and getting existing points. All kinds of discounts and lottery activities throughout the year will always surprise you with your card.
7. Mail the statement free of charge every month, so that you can grasp every consumption expenditure transparently.
8. Unique supplementary card function, suitable for husband and wife to jointly manage money or master children's financial expenditure.
9. The free choice of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB.
10.400 telephone or 5-digit short number with prefix of 9 provides 24-hour service, and loss reporting takes effect immediately, with zero risk of card loss.
1 1. Validity period: It is known that the validity period of domestic credit cards is generally three to five years.
12. 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.
Disadvantages:
There is no disadvantage in the invention of credit card, but some users can't use it, which leads to the disadvantage of credit card, just like a knife. "Good guys" use it to cut wood, and "bad guys" use it to kill people.
1. Blind consumption
Unlike paying cash, swiping a card is not a sum of money. I don't feel anything when I swipe my card. A few figures lead to blind consumption and spending money like water. However, what to buy and what not to buy can be treated irrationally?
2. Excessive consumption
Notebook staging, digital camera staging, smart phone staging, while enjoying your favorite items in advance, you should also consider whether your salary is just a drop in the bucket when you repay next month.
3. High interest rates
If you can't take good care of your credit card and can't repay it on time when the final repayment date comes, the bank will charge a certain interest fee to avoid greater risks, and you can only blame yourself.