The credit card department manages all credit card affairs, including inquiring about the credit qualification of credit card applicants, handling credit cards for qualified users, calculating the interest and service charges of credit cards, tracking the personal information of overdue users and recovering the arrears.

the credit card center mainly includes the following departments: audit department, business department, finance department and collection department.

when a user applies for a credit card from a bank, the review department of the credit card center should not only review whether the user's credit qualification meets the requirements for card opening, but also decide whether to open a credit card for the user and how much credit card is given according to the assets, credit qualification and loan quota under the user name.

this is a risk control department, mainly to prevent bad debts from appearing in banks as far as possible and ensure the normal flow of funds in banks. The financial department calculates the financial situation of the bank

The financial part mentioned here does not calculate the interest and service fee for each card opening user, but carries out financial control from the macro perspective of the bank.

the bank will issue the credit line to each user who opens a credit card, and the finance department also needs to use these liquidity and profits to calculate whether the bank needs to invest and seek financial cooperation.

This department exists for the bank's profit, to ensure the bank's liquidity is sufficient, and to arrange the bank's funds properly. Collection department

Many credit card users may not be able to repay their credit card debts on time when their own economic situation is in trouble. At this time, it is necessary for the collection department to go out and minimize the risk of bad debts for the bank. Those that cannot be recovered will be handed over to the outsourcing department for dunning.

This department exists to reduce the risk of banks. The collection department will find the card issuer through all kinds of information of the card issuer, understand the reasons for the arrears, and actively recover the loans that cannot be repaid.

all departments of the credit card center complement each other and work together for the bank's capital security and risk control. We should also consider our own situation when handling credit card loans, and don't spend too much.