1. Always pay attention to bank information and launch limited bank card activities.
2. Choose your favorite theme.
3. Take care of your bank card.
1. Credit card
Credit card, also known as credit card, is a credit certificate issued by commercial banks or credit card companies to eligible consumers. Its form is printed with the issuer's name, expiration date, number, cardholder's name, etc. There is a magnetic stripe on the front and a signature card on the back. Consumers with credit cards can buy or spend in the special service department, and then the merchants and cardholders can settle accounts, and the merchants and cardholders can overdraw within the prescribed amount. The credit card stipulated in China's relevant laws (NPC Standing Committee's interpretation of the Provisions of the National People's Congress on Credit Cards) refers to the electronic payment card issued by People's Republic of China (PRC) (China). Commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement and cash withdrawal. 20 17 12 1, the standard English credit card is called credit card. Credit card consumption is a form of non-cash transaction payment, which does not require cash payment and is repaid on the billing date. Credit cards are divided into credit cards and quasi-credit cards, which refer to credit cards with a certain credit limit and can be repaid before consumption; Credit cards are generally credit cards.
3. From the date of 202 1 and 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through negotiation, and the upper and lower limits of the credit card overdraft interest rate are cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).
On May 25th, 20021,the Supreme People's Court promulgated and implemented the Provisions of the Supreme People's Court on Several Issues Concerning the Trial of Civil Disputes over Bank Cards.
4. The main features are that cash advance is not encouraged, consumption is followed by repayment, interest-free repayment period is enjoyed, repayment can be made by installments (minimum repayment amount), and international credit card organizations such as VISA, MasterCard and JCB are joined for global use. It is one of the fastest-growing financial services today, and it is an electronic currency that can replace the traditional cash flow in a certain range. It has both payment and credit functions. Cardholders can use them to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers.