The difference between installment card and credit card is that when the cardholder uses installment card, as long as the amount reaches the standard of installment, it will be automatically installment. Credit card holders, after spending, have to apply for it by themselves if they want to pay in installments. At the same time, the amount of installment cards is generally higher than that of credit cards, starting at a minimum of 6,543,800 yuan and starting at a minimum of 6,543,800 yuan for ordinary credit cards. You need to apply for a platinum credit card to apply for more than 6,543,800 yuan.

Credit card repayment taboo:

1. Some people will hold multiple credit cards because of their addiction to consumption, and then "collect money" infinitely by "raising cards with cards". Often once the capital chain breaks, the so-called stability will be broken. In fact, we all know the harm behind credit cards, but many people don't think so, and even think that it doesn't matter if it affects credit information. After affecting credit reporting, let alone high consumption, even flying and buying a house in the future will be affected. It's really cool to swipe your card, but when the bill comes out, it's "flustered" Therefore, the use of credit cards should not be "excessive" but moderate.

2. Some people can't afford it because they spend too much on credit cards. At this point, these debtors may use the remaining amount of this credit card or re-use the amount of a credit card to cash out. Debtors will pay their debts by robbing Peter to pay Paul in this way. In fact, this kind of behavior is not difficult to see. But everyone should know that this repayment method is not only easy to be reduced, but also bears high formalities and interest costs.

3. Some card friends will pay more for each repayment in order not to be overdue, so after deducting the current arrears, the extra money will become overpayment. For those who often use the card, the existence of overpayment is harmless, but if one day they suddenly don't want to use the card and there is no transaction for 180 days in a row, then the credit card with overpayment is a bit risky. Once it is treated as a bad debt by the bank, it will be recorded in the credit report, which is much more serious than overdue. With this record, it is impossible to withdraw cash. What is important is that it will also affect the subsequent card processing and loan. The only solution is to contact the customer service of the issuing bank and transfer the overpaid money.

What's the difference between a consumer card and a credit card?

The difference between consumer card and credit card

1, consumer cards are developed by shopping mall customers themselves, and there are also stored-value cards or disposable cards jointly issued with banks, such as IC cards and magnetic strips.

2. CreditCard (English: credit card), also known as credit card. It is a non-cash transaction payment method and a simple credit service.

3. Credit card is generally a special carrier plastic card with consumer credit, which is 85.60mm long, 53.98mm wide and 1mm thick. It is issued by banks to individuals and units, so that they can shop, spend and deposit and withdraw cash from banks. The form is a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back.

Credit cards are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders don't need to pay cash when using credit cards, they will make repayment on the bill date.

What's the difference between a consumer installment card and a credit card?

1, different categories. Staging card is an automatic staging card introduced by the bank for consumption; Ordinary credit cards are credit consumption cards undertaken by banks.

2. The quota regulations are different. The amount of installment cards is generally high, usually 654.38+ 10,000; The credit card limit depends on the grade. The higher the level, the better the cardholder's personal comprehensive qualification and the higher the loan amount in the card; Usually, the average credit card limit is only a few thousand dollars.

3. The provisions of bill installment payment are different. When the cardholder's installment card consumption reaches the specified amount, the system will automatically handle the installment; However, when using a credit card, there will be no automatic installment, and the cardholder needs to apply to the bank for installment payment after spending.

2. Credit card processing flow

1. Credit card processing at bank outlets:

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.

2. 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.

3. The staff 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 the staff can help 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.

What's the difference between a consumer card and a credit card?