1. The so-called double-label credit card (referred to as double-label credit card or double-label card) means that two card organization logos appear on a bank card at the same time. For example, there are both UnionPay and Visa logos on the bank card.
2. International card organizations cooperate with UnionPay to issue dual-label cards, and the beginning of the Bin number is organized by foreign cards. For example, the beginning of Visa card is 4, and the beginning of MasterCard is 5 1-55, but both of them are used as clearing channels of UnionPay in China, and are settled in RMB.
I received two identical messages today. Is this a credit card warning? Is it serious?
I don't think so. Not too serious. Check the consumption amount first. If it is 1 RMB or 0.99 USD, it may be that the cardholder has registered any service or member with a credit card. If not, check the bill details. It's really not my transaction. Call the credit card customer service as soon as possible. If you think the card is risky, you can also change it with customer service.
Failure to repay overdue loans will have the following adverse consequences:
1, resulting in penalty interest. Whether it is a bank loan or an online loan, when the borrower is overdue, the lending institution will charge the borrower an overdue fee. Usually, the overdue rate is much higher than the normal loan interest rate, and lending institutions may also charge overdue fines. The longer the overdue time, the more overdue expenses will be incurred.
2. Have a bad credit record. Bank loans are collected at meetings, and now many online lending platforms are also connected to the central bank's credit information system. Once the user is overdue, the platform will upload its overdue records to the central bank for credit investigation. If personal credit records produce bad records, the later credit business will also be affected.
3. Charge by the lending institution. Usually, after the borrower's overdue behavior, the lending institution will take certain collection measures for the borrower, and various collection calls will have a certain impact on the borrower's life.
4. You can't enjoy preferential loans or even apply for loans. If it is overdue, personal credit will leave a bad record, which will have a certain impact on the borrower's later loan business. Usually, it is more difficult for people with tainted personal credit to apply for loans. Even if you can apply for a loan, the loan interest rate given by the lending institution is usually higher than that of users with good credit records.
5. Rental agencies. After loans overdue, if the borrower fails to repay the arrears for a long time, the lending institution can overdue the user and recover the arrears through legal channels. Therefore, if loans overdue fails to repay the loan, the borrower is likely to be punished.
6. Pull into the blacklist. Lao Lai, who deliberately delays his debts and refuses to repay them, may be included in the list of people who have lost their trust. Once blacklisted, not only is it hopeless to apply for a loan later, but the consumption of flying, high-speed rail and accommodation will be affected, and it will also have an impact on children's attendance at key schools.
It can be seen that the consequences of overdue repayment are very serious for borrowers, so after handling credit business, everyone must pay attention to fulfilling repayment obligations on time to avoid unnecessary troubles.
What is the processing mechanism of single information/double information? What is the application of domestic banks in this regard?
Credit cards, that is, credit cards, have overdraft function, high application conditions and high income for service groups. Therefore, dual information processing is mainly used to connect with the international payment and settlement system.
Debit cards, that is, ordinary savings cards, are generally not used for international payment and settlement. Considering the cost, some banks adopt single information processing and some banks adopt double information processing, and the state has no mandatory restrictions on this.
I hope it helps you.
Advantages and disadvantages of ICBC peony dual-currency credit card
Advantages: The maximum amount of personal card can reach 50,000 yuan. It can be used at overseas acceptance points marked with "VISA" and "MasterCard". It is settled in RMB and designated foreign currency, with the functions of overdraft consumption, transfer settlement and cash deposit and withdrawal, and can be repaid by purchasing foreign exchange in RMB.
Disadvantages: China's credit card is still inconvenient to use abroad. POS or ATM doesn't charge fees for taking the UnionPay channel, but it is not very popular compared with such merchants. It costs a lot of money to use American Express or VISA channels.
ICBC Peony Dual-currency Credit Card Application Conditions:
Individuals with full capacity for civil conduct and legitimate income can apply for a personal master card with their valid identity documents (including ID card, military officer's card, police officer's card, passport, etc.). , the same below) identified by the public security department.
Personal master card applicants can apply for no more than three supplementary cards for spouses and immediate family members with civil capacity; All the funds used by the secondary card are transferred to the main card account, and the main card holder is responsible for repaying all the payables of the secondary card.
Extended data:
ICBC Peony Dual-currency Credit Card Fee Details:
Late payment fee: 5% of the unpaid part of the minimum repayment amount of each installment;
Overlimit fee: the fee is 5% of the part exceeding the credit limit;
Cash withdrawal by local peers: 65438+ 0% of the transaction amount, with the lowest charge of 3 yuan;
Local inter-bank cash withdrawal: 65438+ 0% of the transaction amount, with the lowest charge of 3 yuan;
Cash withdrawal from peers in different places: 65438+ 0% of the transaction amount, with the lowest charge of 3 yuan; Cross-bank cash withdrawal in different places: 65438+ 0% of the transaction amount, with the lowest charge of 3 yuan;
Cash withdrawal from overseas UnionPay: 1% of the transaction amount, with a minimum charge of 15 yuan;
Overseas non-UnionPay cash withdrawal: 65438+ 0% of the transaction amount, with a minimum charge of USD 3 and a maximum charge of USD 30;
Overseas emergency cash withdrawal: 65438+ 0% of the transaction amount, with a minimum charge of $3;
Recover the overpayment from local counterparts: 65,438+0% of the transaction amount, with a minimum charge of $3, a minimum charge of 3 yuan and a maximum charge of $30;
Recovery of local inter-bank overpayment: 65438+ 0% of the transaction amount, with a minimum charge of $3, a minimum charge of 3 yuan and a maximum charge of $30;
Recovering overpayment from peers in different places: 65438+ 0% of the transaction amount, with a minimum charge of $3, a minimum charge of 3 yuan and a maximum charge of $30;
Take back the overpaid part from different places and banks: 65438+ 0% of the transaction amount, with a minimum charge of $3, a minimum charge of $30 in 3 yuan;
Overseas UnionPay overpays for withdrawals: 1% of the transaction amount, with a minimum charge of $3, a minimum charge of 15 and a maximum charge of $30;
Overseas non-UnionPay overpayment withdrawal: 65438+ 0% of the transaction amount, with a minimum charge of $3 and a maximum charge of $30;
Overseas emergency card replacement fee: 175 USD, gold card loss reporting fee 0 yuan, and Puka loss reporting fee 35 USD.