1. The user opens online banking through Baidu browser to apply for an appointment. The user must first fill out the application form on the bank's credit card website, and then wait for the salesperson to contact.
Operating environment:
Brand model: Xiaomi 12Pro
System version: Android 11 version MIUI 13
App version: v13.4.0 .12
2. After the reservation is successful, the salesperson will come to the user to apply for a card. The card application procedure is the same as the ordinary card application procedure, but the user needs to provide an existing credit card or bill.
Currently, GF, Ping An, Industrial Bank, CITIC and China Everbright Bank can apply for a card online.
Credit card, also known as credit card, is a non-cash payment method and is a simple credit service. A credit card is generally a plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. It is issued to the cardholder by the bank or credit card company based on the user's creditworthiness and financial resources. The cardholder does not need to pay cash when using the credit card to make purchases. Make further repayments. Except for some credit cards combined with debit cards, general credit cards are different from debit cards and ATM cards in that credit cards will not directly deduct funds from the user's account. In February 2012, the bank confirmed that credit cards without passwords are more secure, and they share the responsibility for any fraud. Enjoy an interest-free period of 25-56 days (or 20-50 days). Card consumption enjoys an interest-free period, and there will be no fees if you pay off the bill before the due date. There is no interest-free repayment period for cash withdrawals. A daily interest rate of 0.05% will be charged from the day of withdrawal, and the bank will also charge a certain percentage of cash withdrawal fees.
In the 1960s, credit cards sprouted and developed rapidly in developed European and American countries such as the United States, Canada, and the United Kingdom. After more than 50 years of development, credit cards have been widely accepted in more than 95% of countries around the world. In the 1980s, with the reform and opening up and the development of the market economy, credit cards began to enter China as an electronic and modern consumer financial payment tool. In the past ten years, they have developed by leaps and bounds. After experiencing the financial crisis and the ups and downs of the domestic economy, China's credit card market rebounded in 2010. By the end of 2010, the total number of domestic credit cards issued had exceeded 200 million. In 2010, the national credit card inter-bank transaction amount reached 5.11 trillion yuan, and the consumption amount was 2.7 trillion yuan. The proportion of credit card consumption in the total retail sales of consumer goods continues to increase.
According to the "2013-2017 China Credit Card Industry In-depth Research and Investment Strategic Planning Analysis Report", since 2010, in order to curb the rapid rise in asset prices and control inflation, the Chinese government has implemented a sound monetary policy. And adopted a series of moderate tightening measures, indicating that macro-prudential and strengthened capital supervision have become the core of China's banking industry supervision. Various tightening money supply operations and capital constraint policies have an impact on the liquidity level, credit lending rhythm and structure of Chinese commercial banks. All had a profound impact. The analysis believes that the evolution of the industry structure is that the product portfolio is further optimized and diversified, research and development of new industry standards and mobile payments are intensified; credit penetration is deepened; and the installment business is developed in depth. China's credit card market is still one of the fastest growing product lines in China's personal financial services market. Although the economic benefits of the industry are full of challenges, driven by economies of scale and growth in consumer spending, the average annual growth rate of China's credit card issuance in the next 10 years will be The growth rate will remain at around 14%, and profitability will also tend to improve. Qianzhan.com predicts that by 2020, the cumulative number of credit cards issued in China will exceed 800 million.