There is suddenly an extra credit card under my name. What’s going on?

1. Maybe you forgot, just log out if you don’t need to.

2. If your ID card is used by someone, you can check other banks. If you find a credit card, cancel it immediately and contact the public security agency.

3. If there is no loan you applied for unintentionally, just cancel it. If there is a loan, contact the bank and the public security agency immediately.

Overdue credit card

1. First of all, if the credit card is overdue, there will be a late payment fee of 5% of the minimum repayment amount, and a penalty interest on the full amount of the bill. Generally, banks calculate it at 0.05% per day, monthly. Compound interest accrues.

2. Overdue items will not be included in the central bank’s credit reporting system. Overdue records will be included in the personal credit report. Bad records will be retained for 5 years. If the overdue amount is large, the overdue amount will be more than 3 consecutive times. More than 1 month will seriously affect future home loan, car loan and credit card applications, and future credit life will be seriously affected.

3. If a credit card is not repaid overdue, the bank will call to collect it. If the credit card is not repaid more than twice, it will be handed over directly to the collection company. If the bank still insists on not repaying the credit card, the bank will freeze the credit card and blacklist the cardholder. , the bank will automatically cancel the card until the debt is paid off.

4. Banks with larger overdue amounts will directly enforce the cardholder's credit card and malicious overdraft. Failure to repay later will result in civil or formal liability. According to Article 196 of the "Criminal Law" of the People's Republic of China and relevant judicial interpretations, the credit card holder will illegally possess the amount within Anything over 5,000 yuan constitutes a credit card crime and will be enforced in accordance with the criminal law

How to eliminate overdue credit card records

1. First pay off the debt and overdue related fees

2 , continue to use this card

Article 16 of the "Credit Information Industry Management Regulations": The credit reporting agency's retention period for personal bad credit is 5 years from the date of termination of the bad behavior or incident. If it is 5 years old, it should be deleted. The records displayed for bad credit cards only show the records for the past 24 months. After it is overdue, the best way is to continue to use this card and cover the original negative record with a new repayment record. A new credit record will be generated after 24 months. After the record is refreshed, personal credit will not be affected.

3. Don’t run away

Long-term overdue payment will not only accrue interest but also high late payment fees. If you run away, the bank will consider that you have maliciously overdrafted and call the police.

4. Repay in full and on time and explain

If you forget to repay due to negligence, you must repay in full and in time after the due date. After that, call the bank to explain that you did not overdue the payment maliciously. Usually the bank will help you eliminate the overdue record.

Why do I have a CCB card if I don’t have one?

If you think you don’t have a card but are notified that you have a bank card, there are several possibilities: 1. You applied and forgot. You can call 95533 to see if it is your information. 2. Someone else used your ID card to apply for a credit card without telling you. 3. The bank staff helps you apply for a credit card.

1. If you don’t have a bank card

If you think you don’t have a bank card but are notified that you have a bank card, there are several possibilities: 1. You applied and forgot. You can call 95533 to see if it is your information. 2. Someone else used your ID card to apply for a credit card without telling you. 3. The bank staff helps you apply for a credit card.

You can apply for cancellation to the bank with a valid identity document. If there is a balance in the credit card, it cannot be canceled. As long as you check the credit card consumption record and prove that you have alibi during the time when the consumption record was generated, you can report it to the public security organ for filing, and then apply for cancellation to the bank. Why do you have to file it with the police, because the bank cannot tell whether you have used it. At the same time, the bank does not want to lose profits for the credit card consumption under the ID card. If you do not make the request directly through a third party, it will often be delayed, and eventually high interest will be incurred. After the final coordination, unnecessary losses may be incurred. Therefore, you must report it to the public security organ as soon as possible. Only then can the public security organ have the ability to screen evidence, and the public security organ can prove that you are a victim, so that the bank has no reason to delay your cancellation application.

2. Cancel bank card

You can cancel your credit card by calling the credit card customer service number. The specific process is as follows: 1. Call the credit card center of the issuing bank to access manual customer service.

2. Tell him about the card you want to cancel. The other party will verify your information with you and ask you the reason. 3. Customer service will tell you that your request has been accepted. Please remove the magnetic stripe from the card yourself. 4. Customer service will finally notify you that if you have any consumption or late payment fees between the last bill date and today's cancellation date, you should pay attention to the next month's bill and repay it. Notes on canceling credit cards: It is completely free to cancel the card. You can keep the canceled credit card or cut it and throw it away. The bank will no longer ask you for the card. Under normal circumstances, it will take 45 days for a bank credit card cancellation application to officially take effect. When canceling a card, the magnetic strip must be cut and scratched to avoid being stolen.

Bank cards can usually be divided into debit cards and credit cards. Generally, when a debit card is not in use, you only need to withdraw the money in it. There is no need to cancel it, and it will have no personal impact if you do not cancel it. Credit cards in use can be canceled through bank counters and telephone banking. When canceling at the bank, you need to bring your personal ID card and bank card to the bank for processing. Before canceling a credit card, it is best to pay off the balance on the card and make sure there is no overpayment, the number of times the card has been swiped meets the requirements for annual fee exemption, and there is no overdue repayment record in the previous two years of the canceled credit card. , it is best not to log out if it exists. It is best to get rid of the points in the card before canceling the credit card. After all, points are earned by swiping the card. Credit card points can be exchanged for many products in the points mall, and can also be used as cash deductions. Do not waste them in vain. If you are in the same bank There are other credit cards, and you can transfer points to other cards. Whether points can be transferred depends on the bank's regulations. After the credit card is submitted for cancellation, it cannot be used. If you swipe the card for consumption, the cancellation will fail. Generally, you can call to check whether the credit card cancellation is successful 45 days after submitting the application. If not, you can inquire about the specific reasons and make corrections before continuing to cancel.

Why apply for a credit card?

A credit card is a credit certificate issued by a bank for consumers to purchase goods and pay for services. It is a payment instrument for non-cash settlement. It first appeared in the United States and became popular in Western developed countries in the 1970s. China began issuing credit cards in 1986. Credit cards are made of plastic, so they are also called plastic money or plastic banknotes. The cardholder's name, signature style, number and limit for each credit purchase are printed on the card. The characteristic of credit cards is that you consume first and pay later. Cardholders do not need to carry cash or checks when going out. They can use their credit cards to purchase goods, tickets or meals at designated stores, hotels, and restaurants. They can also make overdrafts of small amounts of cash to branches or agency banks of the card-issuing bank. Stores, hotels, restaurants and other commercial departments that have signed contracts with banks collect payment from the bank based on the bill signed by the cardholder, and then the bank sends the cardholder for verification and pays it off within the specified period. If the payment is overdue, the card-issuing bank will calculate the interest on the outstanding balance periodically until the cardholder pays off the interest. Credit cards are widely used because they are convenient for consumption, can increase the turnover of companies, shops, hotels and other service institutions, and help develop banking business. The adoption of electronic computers has also made the use of credit cards safer, more convenient and more common.

There are four main types of credit cards used internationally: ①Shopping card. That is, a credit card with credit function for purchasing consumer goods from commercial retailers such as department stores and supermarkets. Consumers who use this kind of credit card repay the payment within the specified time without paying interest; if it exceeds the specified period, they will not only have to pay interest, but also pay a certain handling fee based on the amount used. ②Charge card. That is, the credit card used for billing and transfer when making purchases. ③Cash card. That is, a credit card used for payment and transfer when making purchases, and for withdrawing cash at any time at branches of the issuing bank or places with ATMs. ④ Check card. That is, a credit card that issues a check for payment. Check cards generally have a specified period of use and a maximum amount issued. Within the limit, the bank guarantees payment; if the limit is exceeded, the bank can refuse payment. Cash cards and check cards are actually a form of overdraft by customers to the bank. After the bank signs a credit limit with the customer, the customer can issue a check in excess of his or her deposit balance with the credit card and automatically obtain a loan.

What are the benefits of credit cards? Why do some people have so many credit cards?

What are the benefits of credit cards?

The credit cards launched by major banks all have an interest-free period of 50-56 days. During this period, the cardholder will repay on the repayment date after consumption without any fees. For those who rely on monthly salary For cardholders who live a daily life, they can buy the things they like in advance (advanced consumption), or cardholders who need funds in a short period of time can use the interest-free period of the credit card to achieve their expected goals; secondly, major In order for more people to choose credit cards issued by their own banks, banks have also launched credit cards from major banks. Many preferential activities, such as refueling, car washing, car repair, shopping, entertainment and other various preferential activities, can be enjoyed by cardholders. , choosing the card type that suits you can save some living expenses.

Why do some people have so many credit cards?

When it comes to why some people have many credit cards, the first type of people have low income, high consumption, and high requirements for material life. When they were unable to repay the first credit card, they applied for a second one. Card B repays the debt owed to card A. As the amount used increases, more and more credit cards are applied for. This kind of group of people is more common, and it is also the worst phenomenon. It can easily lead to higher and higher debts.

In order to enjoy more preferential activities, the second type of people actually have many friends around them who basically apply for 4-5 credit cards in order to enjoy the preferential activities. To put it simply, they just want to make money. Will take advantage (I know a lady who holds credit cards from 15 banks in order to enjoy bank discounts).

The third type of people like to collect credit cards issued by major banks. After applying for a credit card, it will not be used or activated, just for collection. It can only be said that people have different hobbies and collections. They are not the same, there are many wonders in the world. . .

The fourth type of people need funds to start a business. They have no house, car or assets in their name. The interest rate for borrowing from financial institutions is unacceptably high. They cannot apply for a business loan at the bank but cannot be approved. However, some people need funds themselves. If you choose to apply for a credit card from a major bank, the negative value will rise sharply in this way.

To sum up: In fact, credit card is a double-edged sword. It can really help cardholders a lot when used by cardholders. However, cardholders with poor self-control ability will not be able to apply for a credit card after applying for a credit card. Indiscriminate consumption that does not conform to one's own financial capacity will only do harm to oneself. Credit cards have many advantages and disadvantages. Users who hold credit cards must use credit cards reasonably and do not overestimate their repayment ability and spend indiscriminately.

Why apply for a credit card? Give you 5 reasons!

When I didn’t have a bank card before, I fell in love with a product in the mall, but gave up the purchase because I didn’t have enough cash or asked relatives and friends to borrow money to buy it. In today's society, credit cards have appeared. The existence of credit cards makes it easy to own today's goods and spend money in the future. Kabaobao found that many people have misunderstandings about credit cards. It does not mean that poor people do not need to apply for credit cards if they have no money. This is a misunderstanding caused by not fully understanding the role of credit cards. So what are the benefits of credit cards?

Kabaobao summarized 5 major points:

1. You can spend first and then repay.

The biggest advantage of a credit card is that if you don’t have enough cash in your pocket or have no deposits in your account, you can use a loan to overdraft and pre-borrow funds from the bank for shopping and consumption. The bank will also have an interest-free period of 20 to 50 days. As long as the cardholder repays the loan in full within the interest-free period, no other interest will be paid.

Two. Maintaining good credit is conducive to loans

An individual's income level, financial resources, credit overdrafts and personal loans, including lawsuits and penalties when bad credit occurs, etc., will be recorded on the individual's credit record . In today's society economic wealth is also reflected in a good credit record. For those who have not borrowed money from the bank, the bank will automatically consider you to be a person without credit. Card Baby hopes that everyone will establish a personal credit record as soon as possible. You can apply for a credit card, use this card for long-term consumption and timely repayment, and maintain good personal credit discipline.

Three. Apply for high-value credit cards and enjoy privileges

For example, for ordinary cards; free insurance, free movie viewing, points exchange for gifts, travel draws, free car washes, etc.

Platinum card; high-value insurance, airport VIP service, foreign visa exemption, free physical examination, free golf experience, etc. You can enjoy all kinds of benefits. And many banks have cooperative relationships with shopping malls, supermarkets, etc., allowing cardholders to enjoy many discounts.

Four. Understand consumption through bills

Usually after we use credit cards to make purchases, there will be regular electronic bills or paper bills sent to our homes by the bank. Cardholders can understand their own consumption through the bills. Monthly shopping and consumption expenditures can be used to analyze personal consumption tendencies and manage your own income and expenditure rationally.

Five. Holding a card is a sign of identity

Not everyone can apply for many types of credit cards. It is necessary to provide proof of financial resources and identity to the bank, and the proof must be convincing to the bank. There are also some credit cards that can only be applied for by invitation from the bank, and banks will not accept personal applications. Therefore, Kabaobao believes that a credit card is a second ID card that can show personal identity and credit.

The above five major points mentioned by Ka Baobao are all reasons for not wanting to apply for a credit card~ I believe that many friends will apply for a credit card with many benefits after reading Ka Baobao’s words~ In the future If you have the opportunity, Kabaobao will tell you how to apply for a credit card, which channel is better to apply for, how to apply for a higher limit, and how to improve your application qualifications. Kabaobao will teach you if you have the opportunity.

This is the end of the introduction on why credit cards are generated and why credit cards are overdue. Have you found the information you need?