Definition of CreditCard
Credit card
"Credit card" is also called "credit card", and its English name is credit card, which specifically refers to a credit certificate issued by commercial banks or other credit card companies to users who meet the credit conditions. Users with credit cards can go to special merchants or service departments specified by commercial banks or credit card companies to spend within the specified amount, and then settle with special merchants through banks. "
1. Application
1. In most cases, citizens who have full capacity for civil conduct (citizens aged 18 or above in Chinese mainland) and have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
people who apply for credit cards can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China. Each unit can get a main card and several (5-1) supplementary cards when applying for a credit card. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
2. generally, the application method is to fill in a credit card application form, and the contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant. And submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate. The application form is accompanied by a contract for using a credit card. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, submit a statement on the authenticity of the information, the privacy protection policy of the issuing bank, etc., and must have the applicant's autograph.
II. Review
1. After receiving the application form and relevant materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the review mainly include whether the contents of the application form are true or not, evaluating the credit degree of the applicant, and reviewing the relevant information of the guarantor for the individual.
2. Usually, the bank will examine the applicant's various information and economic situation according to the application materials to judge whether to issue a credit card to the applicant. The factors considered are the applicant's past credit history, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. The standards of different card-issuing banks are also different. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.
what are the names of credit cards issued by major banks?
Bank of China: Great Wall Card, BOC Card \ Agricultural Bank: Jinsui Dual-currency Credit Card \ Industrial and Commercial Bank: Peony Dual-currency Credit Card \ China Construction Bank: Longka Dual-currency Credit Card \ Bank of Communications: Pacific Dual-currency Credit Card, and recently launched Liuxiang Card \ Guangfa Bank: True Love Card, MF Card, Conventional Card \ Pudong Development: wow. China Merchants Bank: Sunflower, MSN, Ruili, \ China CITIC Bank: Star Card \ Shenzhen Development Bank Credit Card \ \ General banks in China can issue credit cards, such as China Construction Bank, ICBC, Postal Service, Agricultural Bank of China, Communications, etc., all of which have credit cards, as long as they meet the conditions. \ The most important conditions for applying for a credit card are: \ ① 18-6 years old; \ ② Have a stable job and income; \ ③ The necessary application documents are copies of identity certificates and work certificates; \ ④ Provide other financial documents. \ The detailed application materials are as follows: Identification certificate: generally, it is an ID card (if you use a new ID card, you need a copy of the front and back), and soldiers need to provide a copy of their military ID card; Work certificate: it can be the original work certificate issued by the employer (please specify the specific company name, department, position and income, and affix the official seal or personnel seal of the company), or a copy of the work permit \ card verified by the promoter and marked; Proof of financial resources: it can be the payroll record issued by the bank, or the income tax withholding certificate, or the documents proving the market value of the house, car, deposit and investment (such as the copy of the real estate license/car driving license/bank time deposit certificate) and other materials that can prove your financial resources. Other documents for reference include: personal account list of social insurance in recent 6 months, water and gas bills, credit card bills of other banks, etc. \ As long as the conditions are met, it can be handled.
what are the international credit cards
what are the international credit cards
what are the international credit cards? International credit card is a card issued by the bank in conjunction with the international credit card organization to people with good credit standing and make overdraft consumption on a global scale, which is very beneficial to friends who travel abroad. Let me tell you something about international credit cards.
What are the international credit cards 1
1. What is an international credit card
An international credit card is a card issued by banks and international credit card organizations to those with good credit standing and can be used for overdraft consumption on a global scale. At the same time, it is also used to confirm the identity of users on the international network.
II. Overview of International Credit Cards
Cards issued by members (banks) of international card-issuing organizations can be signed by the special agents of the organization. This kind of card is called an international card. As we all know, the three major international organizations VISA, MASTER and JCB. Among them, VISA has the highest market share, followed by MASTER and JCB, but JCB is very easy to use in Japan, but not necessarily in other places. Although JCB is also an international card, some online shopping does not accept JCB.
Generally, international credit cards use US dollars as the settlement currency, and international credit cards can be overdrawn (spend first and then repay). The common credit card brands in the world are mainly Visa, MasterCard, etc. All major domestic commercial banks also offer international credit card services, so you can easily apply for credit cards at the bank counter. It should be noted that there is no interest on deposits in international credit cards.
iii. featured international credit card
1. ICBC Peony International Credit Card
can open both RMB account and US dollar (or Hong Kong dollar) account, which can be used for domestic credit card consumption, cash access and inquiry at ICBC's national business outlets or UnionPay ATM machines, and can also be designated by VISA, MasterCard or AmericanExpress cards.
RMB account and foreign currency account (USD or HKD) have their own credit lines, which do not affect each other. In addition, the US dollar account can be used for shopping on foreign websites, and the unique online transaction switch function of Peony International Card fully guarantees your card safety.
2. Agricultural Bank of China Jinsui Credit Card Dual-currency Card
Dual-currency credit cards issued by Agricultural Bank of China are Visa and MasterCard, and other special cards include Jinsui Platinum Card, Jinsui International Travel Card and MasterCard HNA Co-branded Card. The dual-currency card has two accounts, RMB and USD, and both accounts enjoy a credit line. Overseas non-UnionPay POS consumption and overseas ATM withdrawal use US dollar accounts, and there is no handling fee for consumption. For cash withdrawal, a handling fee is charged at 3% of the transaction amount (minimum of US$ 3). If the local currency is non-USD, an international settlement fee will be charged, which is 1% for Visa and 1% for MasterCard. 1%。
3. BOC Great Wall International Card
Chip (EMV) credit cards that meet international standards are available in US dollars, Hong Kong dollars, euros and pounds. It can be spent by more than 29 million VISA or MasterCard merchants in 256 countries and regions around the world, and it can also be used for cash withdrawal at member banks, and it can also be used at ATMs marked with "PLUS" or "CIRRUS" around the world. In addition, you can also pay related fees online.
4. Bank of China Great Wall International Zhuojuan Card
A credit card specially designed for overseas students, with products, services and discounts that comprehensively take care of the needs of overseas students. Zhuo Juan card has a choice of euro card and pound card. Parents can pay the living expenses of studying abroad for their children in China through various repayment methods.
5. Dual-currency international credit card of China Merchants Bank
China Merchants Bank has many types of dual-currency international credit cards, among which aviation credit cards have cooperation with many airlines. For example, China Merchants Bank and ANA jointly launched ——ANACard, the first foreign airline joint credit card in China. Credit card consumption can accumulate mileage; If you pay the full plane ticket or 8% of the tour fare with this card, you will get an aviation accident insurance of up to 2 million yuan.
6. CITIC Dual-currency Credit Card
CITIC Dual-currency Credit Card (RMB and USD, RMB and HKD) can be used by more than 27 million merchants with VISA logo around the world, and can also be cashed out 24 hours at more than 7, ATMs around the world. CITIC Credit Card also provides aviation accident insurance of up to 15 million yuan, and the "4" Mandarin global customer service hotline provides 24-hour free service.
7. CCB Business Travel Series Dual Currency Credit Cards
Many credit cards in CCB Business Travel Series, such as China Eastern Airlines Dragon Card, Shenzhen Airlines Dragon Card and Mango Travel Dragon Card, are dual currency credit cards. For example, China Eastern Longka is an aviation joint credit card jointly issued by CCB and Eastern Airlines. This card is a combination of Longka dual-currency credit card and Oriental Miles membership card. Besides accumulating Oriental Miles points, it can also receive high aviation accident insurance. If the domestic flight of China Eastern Airlines is delayed for more than 4 hours, it can also receive flight delay insurance and baggage delay insurance.
8. Bank of Communications dual-currency credit card
adopts the form of main card and supplementary card, which can be used all over the world. There is no handling fee for consumption, and the longest interest-free period is 56 days. It can also be withdrawn urgently abroad. I will send you the child's consumption bill on time every month, or I can start the banking service, and every child's consumption detail will be sent to your mobile phone in the form of short message at the first time. If the credit card is lost, you should immediately call 86-489888 to report the loss overseas in order to avoid losses.
IV. Precautions
1. Adjust the credit card limit
Usually, the credit card limit given by the bank is relatively large. For example, my credit card limit is close to 2, yuan, which is usually not needed, and in case the credit card is lost, it will cause a lot of unnecessary losses. Therefore, individuals can manually adjust the credit card limit, for example, setting a limit in the credit card limit adjustment of China Merchants Bank Online Banking Professional Edition, so as to change the credit card consumption limit.
2. Turn off the ATM withdrawal function of the credit card
It is basically useless to use the credit card to withdraw money at the ATM, and its interest is surprisingly high. Once the credit card is stolen, it will bring more risks, so it is recommended to turn off the ATM withdrawal function of the credit card.
6. which is more secure, signature or password?
signature is the mainstream of international banking. From the security point of view, this kind of credit card can be consumed only by signature, especially through online banking. Generally, as long as the cardholder's name, credit card expiration date and inquiry password are known, it may be stolen. Therefore, many domestic cardholders believe that passwords are more secure than signatures. However, using passwords also has some disadvantages, that is, the responsibility of keeping passwords is passed on to cardholders, which means "at your own risk". Once credit cards are fraudulently used, the rights and interests of cardholders who use signatures can often be better protected and compensated.
What are the international credit cards? 2
1. VISA
Visa is also translated as VISA)
VISA, Huicai Card and Visa Card. It is a credit card brand. In 1959, Bank of America began to issue Bank of America cards in California, USA, and Visa cards were issued in 1976. In 1977, Visa was officially used as the symbol of the organization, called Visa. VISA card is a credit card issued by Visa International at the end of 1982. It can be accepted at more than 29 million merchant trading points around the world, and it can be used to withdraw cash from 1.8 million ATMs, which is convenient.
2. MasterCard
MasterCard International established an internationally accepted credit card system from the late 195s to the early 196s, which immediately became popular in the world. In 1966, the Bank Card Association was formed. In 1969, the Bank Card Association purchased the patent right of MasterCharge, and unified the name and style design of credit cards of various card issuers. In the following ten years, the original name of MasterCharge was renamed MasterCard.
3. American Express
Since the first American Express card was issued in 1958, so far, American Express has issued American Express cards in 49 currencies in 68 countries and regions, and built the world's largest self-contained network of special merchants, with more than 6 million high-quality cardholders. Founded in 185, American Express Company's initial business was to provide express service. With the continuous development of business, American Express took the lead in launching traveler's checks in 1891, mainly for high-end customers who often travel. It can be said that American Express has served high-end customers for a hundred years, and has accumulated rich service experience and a huge group of high-quality customers. There are Peony American Express Card, China Merchants Bank American Express Card, CITIC American Express Card, Great Wall American Express Card and Minsheng American Express Card.
4. Diners Club
Diners Club was founded by the entrepreneur FrankMCMamaca in /195. It was the first plastic payment card and eventually developed into an international credit card. In 1981, Citibank, the holding company of Citibank, the largest retail bank in the United States, accepted the DinersClubIntenational card. The main advantage of Diner's Card Company is that it increases its sales in undeveloped areas and consolidates its strong position in the credit card market. The company has strengthened its position in the international market by forming a reciprocal agreement between Dalai's cash exchange network and ATM network.
China Industrial and Commercial Bank (ICBC) introduced RMB/USD dual-currency card, the first Dalai brand in mainland China.
5. JCB (Japanese Credit Bureau)
JCB card is a universal international credit card. It is a credit card jointly issued by Mitsui Bank, Shinji Bank, Mitsui Bank, Concord Bank and Daiwa Bank in 1961. The credit card has been issued and circulated in 19 countries and regions in the world in 213. They are both the top five international credit card brands and the only international credit card brand originating from Asia.
JCB pays special attention to China, South Korea and other countries and regions. In China, nine banks have issued.