Bank of Communications credit card is relatively easy to apply for. However, to apply for a Bank of Communications credit card, the following conditions must be met:
1. The applicant must be at least 18 years old;
2. Applying for a credit card requires a valid identity document;
3. The applicant's credit card is in good condition and has no bad credit record;
Four, stable work, and provide proof of work and income of the financial chapter of the unit;
Five, if conditions permit, you can also provide other financial certificates, such as bank deposits, real estate, cars, stocks, bonds, etc.
First, the provisions of the Bank of Communications credit card overdue time
1. Credit card time tolerance service can be overdue for 3 days.
After the credit card repayment date, the cardholder can enjoy 3 days repayment time service. As long as the cardholder returns the minimum repayment amount before 0: 00 on the third day after the due repayment date, it is not overdue. In other words, as long as the credit card is overdue within 3 days after the repayment date, it is safe. If the credit card is overdue for more than 3 days, it is necessary to conduct credit investigation, which will affect the personal credit record.
2. Credit card overdue records are reported once a month.
The bank will regularly submit the credit card records to the People's Bank of China every month, thus forming the credit record of the cardholder. At present, banks submit personal credit data once a month. Therefore, if the credit card is overdue and exceeds the buffer time of 3 days, you should call the bank in time and try to solve it through consultation before the bank submits personal credit records.
Second, credit card credit introduction
The People's Bank of China has established a unified credit information database with commercial banks, and the credit information of credit card holders is entered into the database and becomes a part of your credit record.
If cardholders want to know their credit status, they can bring their valid identity documents to the credit reporting department of the local branch of the People's Bank of China to inquire about their personal credit reports (no inquiry on their behalf or by telephone). For more credit information, please visit the website of China People's Bank.
According to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records on a regular basis and cannot tamper with them. The bank won't make any bad comments on your usage records, but only truthfully feedback your historical usage records without any subjective judgment.
If the credit card holder is going to handle new credit business, the loan bank will refer to your credit history comprehensively, not only for a certain period of time, but also for good consumption and repayment records, which will continuously increase your credit.
To sum up, the Bank of Communications credit card will be collected at the meeting three days after it is overdue, and cardholders should pay attention to repayment on time.
How many kinds of bank of communications credit cards are there?
Bank of Communications credit cards mainly include the following types:
1, by level:
Bank of Communications credit cards are divided into ordinary cards, gold cards, platinum cards and above.
2, according to the credit card organization is divided into:
Bank of Communications credit cards are divided into visa, MasterCard and UnionPay cards according to credit card organizations.
3. According to the cardholder, it is divided into:
Bank of Communications credit cards are divided into youth cards and special cards according to cardholders.
4, according to the user is divided into:
Bank of Communications credit cards are divided into official cards, personal cards and supplementary cards according to users.