Credit card interview:
1. I took my card, issuing bank and ID card and went to the nearby Everbright Bank for an interview.
2. Face-to-face interviews require verification of identity information.
3. I will consult some filled-in materials.
4. Company name, address, address, landline, position, mobile phone number, emergency contact information, etc.
5. Go to the counter to activate after the interview.
6. After activation, you can safely eat.
After the credit card application is successful, you should spend reasonably and repay on time to avoid overdue.
Generally speaking, for overdue credit card holders, banks will have a grace period of 1 to 2 months. During this period, the bank will call and send text messages to remind customers of repayment, and the third month will be officially overdue.
Overdue repayment will lead to default interest on credit cards, and interest will be charged at the rate of five ten thousandths of daily interest; In addition, there will be a late fee, which is generally 5% of the overdue amount.
Consequences of overdue:
1, bear high penalty interest;
2. Causing legal disputes;
3. Leave a "credit stain" in the national credit information system.
The suggestions are as follows:
1, it must be made up immediately, and a part of the penalty interest must be paid. It is recommended to hand in more, so that the bad records can be cleared temporarily. If the payment is overdue for more than one month, the next repayment shall pay off the monthly payment for two months and the penalty interest for the previous month in one lump sum;
2. If there is no delay in the future, after one year, the computer will eliminate this bad record;
3. The repayment is postponed, but the repayment period will not be postponed, and only a bad record will be left forever;
4. Remember to pay off the previous monthly payment and penalty interest before the repayment period next month.