You don't need to save money to apply for a credit card. Credit cards are different from debit cards. You can spend first and then pay the bill. You can deposit money in a credit card, but unlike a debit card, no matter how much money you deposit in a credit card and how long it lasts, there is no interest. Not only that, if you want to withdraw the money from the deposit, most banks will charge an overpayment to get back the handling fee. The so-called overpayment refers to the overpayment of funds by credit card users or the funds deposited in credit card accounts, and a certain fee must be paid when they take them out. Simply put, there are some deposits in the credit card that exceed the bills that should be repaid, and there is a charge for taking them out. Although credit cards can save money, it's best not to save money in credit cards, and you have to save money. \ Because the money you take out and put in has to pay a handling fee, and put it upside down, the bank does not distinguish whether it is its own money or the overdraft bank's money. In the end, you have no choice but to pay by credit card. Of course, if you just want to make more money, of course you can.
How much is a one-time deposit for opening a credit card?
The total amount of money in one month reaches more than 200 thousand, which will take effect at the beginning of next month.
"End of the month" refers to the last day of a month before the end of business hours. Among them, the deposit of quasi-credit card will not be recorded until the next day, so if the customer deposits on the last day, it is impossible to count the financial assets of the month. Due to the differences between provinces and cities, you can contact the financial manager of this website for consultation.
Financial assets include capital, foreign currency deposits, various financial products, bonds, funds, insurance, paper money, one-to-many wealth management accounts, securities asset management plans, customer trusts, securities third-party depository balances, and the market value of securities assets of securities companies with bank deposit accounts at the end of the month.
Extended data:
Apply for a bank card
The process of applying for a credit card and a debit card is different.
When applying for a credit card, you need to bring your valid certificate (ID card or ID card copy or household registration book or household registration book copy), residence certificate, unit income certificate or personal assets certificate and other materials, and go through the relevant formalities at the bank counter. You need to fill out an application form, in which the information requested is true.
After filling out the application form, you should go to the head office of the bank for the record. It will take about 20 working days to issue cards to customers after the head office of the bank examines the application materials. Credit cards are only available to customers aged 18 or above. Minors are not allowed to apply for credit cards.
Applying for a debit card is relatively simple.
You only need to bring your valid certificate (ID card or household registration book) to the bank where you open the account to fill in the application form, and then you can issue the card to the applicant. There is no age limit for applying for a debit card, and minors can also apply.
When a customer under the age of 16 applies for a debit card, the guardian shall go to the counter of the bank branch with the household registration book (if it is not on the same household registration book, relevant certificates shall be provided), and the person to be handled may not be present;
Minors who have reached the age of 16 but under the age of 18, who have joined the work, can apply for debit cards at the bank counter by themselves with their work certificates and ID cards. If you don't take part in the work, you still need the assistance of your guardian, and the person being treated may not be present;
Managers who have reached the age of 18 can apply for debit cards directly at the counter of bank outlets or at the all-in-one card self-service card machine with their ID cards, and can collect them immediately. According to national regulations, debit cards handled by minors do not have online banking function and cannot be bound with mobile payment software.
Precautions for bank cards are as follows:
1. When entering the password, be careful to cover it with your hands. If there is any abnormality in the password protection cover and card entry protection slot of ATM, please do not use it for safety reasons and notify the bank immediately;
2. In order to prevent fake ATM machines, customers should try to choose self-service banks with obvious signs and use ATM machines under the video surveillance of banks;
It is best to store the bank card and ID card separately. Don't lend your bank card to others, and don't disclose your bank card and password at will.
4. When spending by credit card, don't let the bank card leave your sight, pay attention to the number of times the cashier swipes the card, and when you get the shopping list and card, check whether the amount on the shopping list is correct and whether it is my card;
5. Open SMS service, keep abreast of account changes, and immediately call the bank to report the loss once abnormal transactions are found;
6. If you suspect that the funds have been stolen, you should immediately call the bank customer service number and report the loss of the bank card account in time.
Is it necessary to deposit money in the credit card for the first time?
When you apply for a card for the first time, some card friends will think that you must deposit money in the card before you can apply for a card. In fact, under normal circumstances, you don't have to do this to get a credit card, but the purpose of saving money in the card is actually to get a high credit card. Let's take a look together.
A card friend said that she went to ICBC to apply for a credit card. From the staff, it is best to deposit 50,000 yuan in the bank for more than half a year for the first time, otherwise it will be difficult to get rid of the card. Even if you get the card, you will encounter a situation where the quota is 0, which makes her feel very confused: besides reviewing the work unit, income and overdue records, how can there be a high threshold for deposits?
What I want to tell you here is that although the conditions for each bank to apply for a credit card are different, there is no need to deposit money in advance.
1. China Merchants Bank: As long as the applicant has a fixed job, he can apply with a copy of his ID card and a work certificate (a copy of the front of the access card or a work certificate issued by the company is also acceptable). You can apply directly to the bank credit card center or online. There are many types of credit cards in China Merchants Bank, and you can choose according to your own consumption.
2. CCB: In some areas, CCB requires applicants to pay four gold (especially in Shanghai). You can submit an application as long as you have an ID card. You can go directly to the credit card center of the business outlet.
3. Bank of Communications: There are three types of credit cards in Bank of Communications-youth card, standard card and co-branded card.
This phenomenon occurs because banks want to deposit their cards first. In addition, the threshold for applying for a state-owned bank credit card is really high. If there is no proof of property rights, it is estimated that it is difficult to get the cards down. But if there is no deposit in the bank, even if you have a card, the amount will not be too high.
After all, although banks decide whether to issue cards according to the applicant's work, income and overdue records, they cannot decide the amount. Property such as real estate license, vehicle license, bank deposits, funds, insurance and so on can prove the strength of the applicant, which is an additional condition for how much credit line the bank gives.
So, if you want to get a high credit card for the first time, you can deposit some money in the bank where you want to apply for a credit card to prove your financial strength. I can give you extra points when the bank audits.
This concludes the introduction of saving money to open a credit card and saving money to open a credit card. I wonder if you have found the information you need?