How to apply for a card?
Just go to the bank to apply directly, as long as it is not in the same bank. Apply for ICBC, then you can apply for Agricultural Bank of China or Bank of Communications, as long as it is not the same bank. ICBC’s will do.
What is a credit card card?
Credit card. A credit card package refers to two cards. When applying for a credit card, in addition to a UnionPay card, there is also a matching credit card with an exclusive limit.
Extended information:
According to Article 7 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": Credit cards refer to records of cardholder account information and have bank credit lines and overdraft functions. And provide cardholders with various media related to banking services.
Credit card repayment methods: The methods within the card-issuing bank include: card-issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.
Weiyintong POS mobile phone and Weiyintong POS mobile phone are a mobile financial system personal payment terminals that can be used to directly repay by swiping cards, as well as perform transfers and other services. Instant payment!
Transfer/remittance repayment is mainly divided into two methods: inter-bank inter-bank in the same city and inter-bank inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.
The more common domestic online platforms for online repayment include: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.
This method of convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store. Generally, the payment time takes 2 to 3 working days. At the same time, using this There is no handling fee for repayment.
Counter repayment counter refers to bank cards issued by various networked financial institutions, which can be used to conduct RMB current deposit and withdrawal transactions through the counters of other bank branches registered in the UnionPay exchange center host system.
The "Xinpaytong" smart credit card phone for repayment is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center, and supported by financial services provided by China UnionPay's inter-bank information exchange network.
Repayment Tong uses "Repayment Tong" to repay, and the fees are generally charged according to the fee standards for intra-city inter-bank transfers and long-distance inter-bank remittances stipulated by the local People's Bank of China.
Other methods In addition to the methods mentioned above, card issuers have also opened their own unique repayment methods in order to facilitate cardholders' repayment.
Tips of using credit cards to maintain your credit card
Tips of using credit cards to maintain your credit card include paying more than you pay, making use of the repayment cycle, reasonable allocation, etc.
The most common way for cardholders to maintain their credit cards is to maintain two credit cards with one card. Generally, there are the following tips for maintaining two credit cards with one card:
1) Utilize the repayment cycle: Use two credit cards to support the card. Users must make good use of the repayment cycle and try to choose two credit cards with a larger repayment cycle, so as to extend their interest-free repayment period. , for example, card A pays off on the 4th of every month, then card B can choose a credit card that pays off in the middle of the month or at the end of the month.
2) Reasonably allocate the number of card swipes and the amount of the two cards: When using two credit cards, the cardholder must use both cards at the same time, and both cards must be swiped enough times to increase the number of swipes. When it comes to the chance of a limit increase, never just swipe one card and leave the other card alone.
3) The normal routine of maintaining a card is to pay for more and pay for more. Pay for more by dividing the money and pay it back into the credit card. The more you pay is the number of transactions. The type of merchant is that you have to diversify your consumption every month. , for a 2W card, you can spend the 2W in 15 times, and then split the amount to get out the amount. Of course, it is best not to enter and exit in seconds. The specific method depends on the individual's different funds.
In short, it is also very important to maintain a credit card and choose a card. After all, maintaining a card is not a matter of skill. Only by choosing the right credit card that is suitable for maintaining a card will it be easier to maintain the card. If you choose to increase the limit faster, It is not cost-effective to maintain a credit card that is slow and has a low limit.
1. The following are several credit cards recommended by netizens:
1) CITIC Yan Card: This card is a gold card, and the application threshold is not very high. If you have good trust and a stable income, you can basically apply for the card, and the maximum limit can reach 50,000 yuan.
2) ICBC World Struggle Card: This card is divided into three levels: regular, gold, and platinum. You can apply for credit cards of different levels according to your actual situation. It is easier to apply successfully, and it is easier to increase the limit. .
3) China Merchants Bank YOUNG Card: This credit card is easy to apply for, and fresh graduates can also apply for it. The limit can be increased quickly, making it suitable for card maintenance and credit accumulation.
4) Ping An Car Owner Card: This is a card suitable for car owners. As long as you meet the prescribed consumption limit, you can enjoy discounts on refueling, so it is more suitable for car owners to maintain the card.
5) Postal etc card: This card can offer up to 12% discount on etc, and the credit limit is high. As long as it is used reasonably, the credit limit can be increased quickly.
What does a card set mean?
A credit card set refers to two cards. It means that when applying for a credit card, in addition to a UnionPay card, there is also a matching credit limit*** Enjoy the credit card.
For example, in the ICBC travel credit card package, one of the two credit cards is a UnionPay credit card mainly used domestically, and the other is a single-currency visa credit card used overseas. This card does not need to be swiped when used overseas. Consumption fees and currency exchange rates. As long as one card is activated, both cards will be activated at the same time. Swipe one card 5 times to make purchases, and both cards will have their annual fees waived for the following year at the same time.
What does a credit card package mean?
A package card generally refers to two or more credit cards. Generally, in addition to the RMB credit card, there will also be a matching credit limit*** credit card, or several different types of credit cards launched by the bank. You can use these cards in combination. After applying for a set of cards, some banks can repay the set of cards together, while some banks still require each card to be repaid separately, so you need to pay special attention when repaying.
This is the end of the introduction about how to set up a credit card and what is a credit card set up. I wonder if you found the information you need?