What is a credit card?
It is a special carrier card issued by commercial banks to individuals and units, which is used to buy, consume and deposit and withdraw cash from banks. It is a card with the name, expiration date, number and cardholder's name printed on the front, and the magnetic stripe and signature printed on the back.
A real credit card has the following characteristics: cash is not allowed to be pre-deposited, it is paid after consumption, it enjoys an interest-free repayment period, and it can be repaid in installments (with a minimum repayment amount). Joining international credit card organizations such as VISA and MASTER can be used worldwide.
Consumption characteristics of credit cards
In fact, the consumption characteristics of credit cards are already familiar to everyone. Take telecom products as an example. General debit/savings cards are like "Shenzhouxing". You need to deposit cash in advance, and you can't make a phone call without money. Debit card has no money, so you can't withdraw cash or swipe your card.
Credit cards are like ordinary landline telephones at home.
It is not encouraged to deposit cash in advance (you can't pay the phone bill for one month in advance).
Credit consumption (there is generally no need to pay a deposit when installing a telephone now),
Consumption first, then repayment (call in July, payment after receipt in August),
Enjoy the interest-free period (there is still some time to pay the bill after receiving it).
The only thing that fixed telephone can't compare with is that there is no minimum repayment. Anyway, in fact, we have used the credit card consumption model for a long time, but the domestic credit card appeared too late.
After all, when you buy things with a credit card, the bank pays for you "instantly". You just need to hand over the money to the bank after receiving the bill at the end of the month.
Credit card process
After users decide to apply for a credit card, they can apply for a credit card through bank outlets, bank official website and home visits by credit card staff. The specific procedures are as follows:
I. Bank outlets of credit cards:
Users can choose the bank they want to apply for, bring their ID cards directly to the bank outlets, and then inform the bank lobby manager that they need to apply for a credit card. At this time, the lobby manager will give you a credit card application form, fill in the information according to the requirements of the form, then take the number at the number machine, wait for the counter to call their number, and then go to the counter to submit the application form and personal ID card to the staff. After the submission is successful, the staff will handle it for the user and wait for the audit result.
Two. Bank official website handles:
Now every bank has its own official website. Users can visit the official website of their own bank, then find the credit card section on the homepage, click Enter, select the type of credit card they want to apply for, submit their application materials according to the page prompts, and then wait for the audit results.
Third, the staff come to the door to handle:
Users can call the customer service phone of the bank credit card center and tell them that they need to apply for a credit card. I hope there will be staff to assist them. At this time, the bank will arrange the corresponding staff to handle it, and only need to handle it according to the requirements of the staff and submit the application.