Interview is generally a process that people who apply for credit cards online need to go through. There are two ways of face-to-face interview:
1. After receiving the credit card, the applicant needs to bring the credit card, ID card and other materials required by the bank to go to the bank outlet for face-to-face interview.
2. I have never received a credit card, but I have passed the preliminary examination and need to bring my ID card.
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First, remember the billing date and repayment date of the credit card.
The billing date and repayment date of the credit card are not the same day.
The billing date means that the issuing bank will regularly summarize and settle all the transactions and expenses of your credit card account in the current period every month, calculate the total amount owed and the minimum repayment amount in the current period, and send a statement for you. This date is your credit card bill.
The repayment date refers to the interest-free repayment period, which varies according to the regulations of various banks. The shortest is from the billing date to the final repayment date, and the longest is from the next day of the billing date to the final repayment date of next month. If the billing date is 1 day and the final repayment date is 20 days, the shortest is 20 days and the longest is 50 days.
Second, how to deal with the bank's lawsuit when the credit card is overdue?
The steps to solve the bank's overdue lawsuit by credit card are as follows:
1. The cardholder takes the initiative to contact the bank and assures the bank that he will repay the arrears;
2. If the bank withdraws the lawsuit, the cardholder should take the initiative to negotiate with the bank about repayment, and discuss the repayment method and time;
3. Make a repayment plan and repay the arrears in the agreed time and manner.
Three. Matters needing attention in using credit card
1. Credit card, also known as debit card, is a non-cash transaction payment method and a simple credit service. Many friends don't know what precautions novices should take when using credit cards. Let's have a look.
2. Repayment in full and on time is interest-free, and the minimum repayment on time will be charged with interest at the rate of five ten thousandths per day from the date of consumption accounting.
Overdue repayment, in addition to the above interest, there are late fees, know the two important dates of credit cards.
3. If you don't know the monthly billing date (also called reconciliation date) and the final repayment date, you can call customer service. The number of the credit card center is on the back of the card.
4. Ask the bank to send the statement on time every month. If it is not convenient to receive paper letters, let the bank send an email instead to find out the minimum handling fee for each credit card withdrawal.