Credit cards are easy to handle. As long as users meet the application conditions required by banks, the probability of getting off the cards is still high. If you can also provide other materials to prove assets, then the amount of application will be higher. The basic requirements for credit card processing include:

1. The applicant is over 18 years old and can provide valid identification;

2. Good credit and no credit stain;

3. Have a fixed residence;

4. Have a stable job and income, and have the ability to repay loans.

is the credit card easy to handle? Related content. The function of credit card

1. Overdraft consumption: Credit card is a kind of credit financial tool, so as long as it is a credit card, it has the function of overdraft consumption, and it can also enjoy an interest-free period. As long as the loan is repaid before the repayment date, the bank will not charge any interest. If there is a shortage of funds, users can also handle the bill installment and minimum repayment;

2. Accumulate points: Generally, any credit card can accumulate points, which can be exchanged for goods, coupons, mileage, annual credit fee and even cash. This function is very popular among credit card users.

3. Capital turnover: Credit cards can be used for daily consumption, but if capital turnover is really needed, credit cards can also be cashed out. Although the cost is relatively high, it can really solve the urgent need. How to stop using the credit card

1. If you just intend to stop using the credit card, the customer can take the initiative to call the service hotline of the issuing bank to apply to the customer service staff to stop paying, and the customer service of the bank will help you with it after verifying the customer's identity information. Of course, if the credit card is stopped, it can no longer be used for payment. If there is bill arrears, you still have to continue to repay the loan, and the annual fee will be charged as usual;

2. If you don't plan to use the credit card in the future, the customer can apply directly to the issuing bank for cancellation of the card, and can also apply by telephone. Of course, before you cancel the card, you need to pay off the outstanding debts in the card and take out the excess overpayment, otherwise the card will not be cancelled successfully.

it should be noted that if the customer chooses to cancel the card, after the card is successfully cancelled, the card must be destroyed and then discarded. If you throw away the card directly, because the card number is printed on the card surface, and the chip/magnetic stripe also contains personal information, it will easily lead to information leakage and security risks. This article is mainly about how to handle credit cards. The relevant knowledge points are for reference only.