Processing:

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, financial status or source of income, guarantor and Its basic situation, etc. And submit certain copies of documents and certificates to the card issuing bank.

After the customer fills in the application form truthfully, he or she must also submit relevant credit certificates while submitting the completed application form. The application form is accompanied by a contract for the use of the credit card.

The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement on the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.

Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.

After the applicant successfully applies for a credit card, the card-issuing bank will open a separate credit card account for the cardholder at the card-issuing bank for settlement after shopping, consumption and cash withdrawal.

Use:

Credit cards are usually only used by the cardholder himself, and lending them to others is generally a violation of the use contract. Swiping your card on a POS machine is the most common way to use a credit card, and it is a way of swiping your card online.

When swiping a card, the operator should first check the credit card's validity period and the cardholder's last name and other information. Then, select the corresponding POS machine according to the card issuing bank and the currency type to be paid, and swipe the magnetic stripe of the magnetic stripe credit card on the POS machine.

Or insert the chip credit card into the card slot, connect it to a payment gateway such as a bank, and enter the corresponding amount. After the remote payment gateway accepts the information, the POS will print out a receipt for the card payment (at least two copies).

The cardholder should sign the payment receipt after checking that the information on the payment receipt is correct. After the operator checks the signature on the receipt and the signature on the back of the credit card (including that the name completely matches and the handwriting basically matches), the operator gives the credit card and a copy of the card payment receipt to the cardholder. At this point, the card swiping procedure on the POS machine is completed.

Extended information:

According to the notice on the issuance of the "Credit Card Business Management Measures":

Article 33: All transactions under the People's Republic of China and the State Units that open basic deposit accounts at domestic financial institutions can apply for unit cards. Several unit cards can be applied for, and the cardholder's qualifications shall be designated and canceled in writing by the legal representative of the applying unit or his authorized agent.

Citizens with full capacity for civil conduct can apply for a personal card. The main cardholder of a personal card can apply for supplementary cards for his spouse and relatives over the age of 18. There must be no more than two supplementary cards. The main cardholder has the right to request the cancellation of his supplementary cards.

Article 34 When applying for a credit card, an organization or individual should fill in the application form in accordance with the regulations and submit it together with the relevant information to the card-issuing bank. For those who meet the conditions, the card-issuing bank will open a credit card account for the applicant and issue a credit card.

Article 35: All funds in the unit card account shall be transferred and deposited from the basic deposit account. Cash shall not be deposited, and funds from other deposit accounts and sales revenue shall not be deposited into the unit card account.

The funds in a personal card account are limited to cash deposits held by the individual or transfers from salary payments and other legitimate personal income. It is strictly prohibited to transfer funds from the company into personal card accounts.

Article 36: Credit cards can only be used by the legal cardholder himself, and the cardholder is not allowed to rent or transfer the account.

Article 37 After the cardholder has paid off the principal and interest of the overdraft, the cardholder can cancel the account if it falls into one of the following circumstances:

(1) 45 days after the expiration of the credit card validity period, the cardholder shall The person does not replace the card with a new one;

(2) After 45 days of reporting the loss of the credit card, the person does not have an additional card and does not replace the card with a new one;

(3) The credit card is not good and is included in the Stop payment list, the card-issuing bank has withdrawn the credit card for 45 days;

(4) The cardholder dies for some reason, and the card-issuing bank has withdrawn the credit card for 45 days;

(5) ) The cardholder requests to cancel the account or the guarantor revokes the guarantee, and has returned all credit cards for 45 days; (6) The credit card account has not had any transactions for more than two years (inclusive);

(7) The cardholder violates other regulations and the card-issuing bank believes that the cardholder should be disqualified.

Article 38: The card-issuing bank shall take back the credit card when canceling the account. If a valid card cannot be recovered, payment should be stopped.

When canceling the account, the balance of the corporate card account will be transferred to the basic deposit account, and no cash withdrawal is allowed.

Article 39 If a credit card is lost or stolen, the cardholder should immediately apply for a loss report to the nearest card-issuing bank or agency bank with his or her ID card or other valid certificate, and provide relevant information as required. Loss reporting procedures.

Article 40: If the cardholder finds his or her credit card after applying for a loss report, he or she may apply to cancel the loss report and stop payment.

Baidu Encyclopedia-Credit Card