A credit card is a credit certificate issued by a commercial bank for consumers to purchase goods and pay expenses. It contains the cardholder's name, signature and number. Cardholders can withdraw cash, purchase goods, etc. by signing on the card at designated banks, stores, etc., and some can overdraft small amounts of cash. Credit card and bank card are not the same card.
1. Information required to apply for a credit card:
1. Information of the principal cardholder and proof of personal income.
2. Supplementary card applicant information.
3. Guarantor’s information.
4. Other information.
5. Statement and signature of the principal card applicant and supplementary card applicant.
6. Bank special column.
2. Repayment method:
1. At the card issuing bank. This method includes: card issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.
2. WeBank pos mobile phone. Weiyintong pos mobile phone is a personal payment terminal of mobile financial system, which can be used to directly swipe credit cards for repayment, as well as transfer and other services. Instant payment.
3. Transfer/remittance for repayment. There are two ways: inter-city inter-bank and long-distance inter-bank. No matter how you transfer or remit money, the remittance bank will charge a certain fee.
4. Online repayment. The more common online platforms include: UnionPay Online, Kuaiqian, Shengpay, Alipay, Tenpay, etc. Different platforms and banks have different charging standards and specific payment arrival times.
5. Convenience store repayment. Repayment is completed through the "Lakala" smart payment terminal installed in the convenience store. It usually takes 2 to 3 working days to receive the payment. At the same time, there is no handling fee for repayment using this method.
6. Repayment through the counter. Over-the-counter transactions refer to bank cards issued by various networked financial institutions, which allow RMB current deposits and withdrawals to be made over the counter at other bank outlets registered in the UnionPay exchange center host system.
7. Repay via Xinpaytong. The "Xinpaytong" smart card swiping phone is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center, and supported by financial services provided by China UnionPay's inter-bank information exchange network.
Extended information:
Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed.
Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.
The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.