2. Overpayment can increase the available credit card amount, or be directly used for consumer repayment. If the credit card has overpayment, the overpayment shall be deducted first, and then the credit line shall be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft.
3. Credit card application conditions:
1, age 18, with valid ID card;
2. No bad credit record;
3. Have a fixed work certificate;
4 proof of income stamped with the financial seal of the unit;
5. Other financial certificates, such as bank deposits, real estate, automobiles, stocks and bonds. ;
6. Social endowment insurance certificate;
7. Provide two contacts.
Extended data:
service charge
On March 5th, 20 12, the customer service committee of China Service Trade Association released the survey results, and 96.47% of the customers were puzzled by the fact that "it is too much to pay back the credit card, but there is still a handling fee to take it out". Among them, 48.06% people are very angry and think that the bank has violated their property, and most people show helplessness. Basically all customers want the bank to cancel this overlord clause.
20 12 in April, 14 China Bank, Industrial and Commercial Bank, China Construction Bank, Agricultural Bank, Bank of Communications, China Merchants Bank and other well-known domestic banks provided credit card services. Only four banks do not charge withdrawal fees for users' overpayments in the bank and the region, and other banks are mandatory. ?
References:
Baidu Encyclopedia: Overpayment