2. The annual fee for some special credit cards issued by banks, such as some high-end platinum cards, is very strict. Once the card is approved, the bank will charge an annual fee as usual, regardless of whether the card has been opened or not. If you have these cards, even if you don't spend them, the annual fee will be deducted from the credit card limit first. If you don't pay attention to the bill and can't repay it in time, it will also cause overdue, which is likely to affect your personal credit record.
3. In addition, the overdue records generated by ordinary personal credit cards will be reported to the central bank's credit information center database by the issuing bank. The details of overdue accounts will be recorded in the personal credit report, and the bad record data will be kept for five years! Once the personal credit report is overdue, it is difficult to apply for bank loans and credit cards.
In addition to these effects, for some friends who value the credit card limit, if they don't use it often, the biggest impact may be that it is difficult to successfully increase the credit card limit.
What is the impact of not using credit cards for a long time? Bian Xiao suggested that friends who hold cards should keep the good habit of paying by credit card if they want to use this card. If they think this card is available, they should advise you to cancel it as soon as possible, so as to avoid some extra expenses, which is not worth the candle!
If you don't meet the requirements for applying for an ordinary credit card, you can apply for this card through your parents and spouse. Credit cards must meet the following conditions:
1. Natural person with complete or limited capacity for civil conduct
2. At least 13 years old
3./kloc-applicants for membership cards under the age of 0/6 must provide a copy of the household registration book when applying. Besides, not everyone can get some cards. It has some special requirements for cardholders. For example, the magic credit card of CITIC Bank can only be taught by women. In the early years of credit card implementation, in order to seize the unlimited credit card market, banks expanded their efficiency at no cost. Although it has promoted the great development of the whole credit card business, it has also formed the quality of credit card holders and formed many "sleeping cards" and "old cards", which has laid a hidden danger for the bad debts of banks. Generally speaking, the first time you apply for a credit card, the amount will not be too high, unless you can provide sufficient proof of assets, such as proof of expenditure, proof of house ownership, proof of mortgage purchase, proof of car ownership, proof of bank deposit or proof of securities.