What is the application process for Beibu Gulf Bank Credit Card?

Guangxi Beibu Gulf Bank is very common in Guangxi. Many local friends have their own banking business at Beibu Gulf Bank. Some friends want to apply for a credit card at Beibu Gulf Bank, but they don’t know what the process is. Let me talk about the application process for Beibu Gulf Bank credit card.

1. First go to the Beibu Gulf bank branch and find the bank account manager.

2. Fill in the credit card application form.

3. Provide a copy of your ID card, proof of salary and income, and proof of personal financial resources.

4. Finally, submit the application form.

The above is an introduction to the application process for Beibu Gulf Bank’s credit card. If you don’t know the application process, you can refer to the content introduced above.

Does Beibu Gulf Credit Card have a grace period?

Beibu Gulf Credit Card has a grace period. The new "China Bank Card Industry Self-Discipline Convention" was officially implemented. According to the provisions of this convention, all banks will implement "time tolerance" repayment for credit cards. If the amount is less than 10 yuan within 3 days, it will be deemed to be repaid on time. For credit card holders, there will be no penalty interest for "a fraction" of credit card debt. However, despite the "grace period", industry insiders still remind you to make timely repayments to avoid being careless and incurring late fees. For non-malicious small-amount arrears of credit card holders, the new "China Bank Card Industry Self-Discipline Convention" stipulates that banks should provide cardholders with "time-tolerant services" and "tolerance services." "Time-tolerance service" means that the bank provides cardholders with a certain period of repayment grace period, and the repayment grace period is delayed by at least 3 days from the last repayment date. If the cardholder repays the amount in full within the repayment grace period, it will be deemed to have been repaid on time and no interest will be calculated. "Tolerance service" means that when the unpaid portion of the cardholder's account after the due repayment date is less than or equal to a certain amount, it shall be deemed that the cardholder has repaid the amount in full and is not within the scope of full interest calculation. Since there are currently many repayment channels, many repayment channels have delays in arriving at your account, which can easily lead to overdue repayment, which not only requires late payment fees, but also affects your personal credit record.

Product disadvantages:

1. Credit cards can easily lead to over-consumption. This is a common problem among people who are in credit card debt. It is painful to swipe a card without paying money, so they spend even more uncontrollably by swiping the card.

2. The annual interest rate of credit cards is as high as 18%. It is true that it can make borrowers lose money quickly.

3. Credit card debt brings mental stress. Some card slaves report that they are often afraid to open their mailbox or mail.

4. If your credit is not good, the cost of borrowing money will be higher, and you may even be unable to borrow money.

5. Credit cards provide a choice of using debt to support debts or drinking poison to quench thirst, causing debts to get out of control.

6. In addition, many "benefits" are actually hidden traps.

7. Short-term preferential interest rates are ultimately worth the loss. A certain percentage of people let emergency financing turn into long-term debt. Therefore, don’t be tempted by short-term low interest rates and make unnecessary borrowing.

8. Too much personal credit limit is not only not evidence of good credit (repayment record is), but it is a risk in the eyes of financiers, which may push up the borrowing interest rate.

9. Gifts in reward programs often gather dust inside. Instead of spending money to get gifts, it is more cost-effective to save money directly.

Why does the Beibu Gulf Credit Card have to pay an annual credit card fee of 399?

Beibu Gulf Credit Card has to pay 399, which is the annual fee of the credit card. Guangxi Beibu Gulf Bank is a provincial-level urban commercial bank established on October 23, 2008 with the approval of the China Banking Regulatory Commission and the People's Government of the Guangxi Zhuang Autonomous Region in compliance with the country's implementation of the Beibu Gulf Economic Zone's opening and development strategy.

This ends the introduction about Beibu Gulf Credit Card and Beibu Gulf Credit Card APP. Have you found the information you need?