Going to the bank counter, the process of handling credit cards and debit cards is different. If you need to bring your valid certificate, residence certificate, unit income certificate or personal assets certificate, you need to fill out an application form, in which the required information is true.

After filling out the application form, you should go to the head office of the bank for the record. It will take about 20 working days to issue cards to customers after the head office of the bank examines the application materials. Handling debit cards is relatively simple. You just need to bring your own valid documents, mainly your ID card, fill out the application form at the bank where you open the account, and then you can issue the card to the applicant.

When the extended data credit card holder chooses the minimum repayment method or uses a card that exceeds the credit limit approved by the issuing bank, he will no longer enjoy the interest-free repayment period, and will pay the overdraft interest calculated at the prescribed interest rate for the unpaid part from the bank bookkeeping date.

Credit card holders who withdraw cash or quasi-credit card overdrafts do not enjoy interest-free repayment period and minimum repayment amount, but should calculate overdraft interest on the cash transaction amount or overdraft amount at the prescribed interest rate from the bank bookkeeping date.

Baidu encyclopedia-credit card