What are the customer bases of credit cards? Who often uses credit cards?

Credit card, also called credit card. It is a non-cash transaction payment method and a simple credit service.

Credit cards are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when making purchases with the credit card, and repayment will be made on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards are issued by banks and give cardholders a certain credit limit. The cardholders can consume within the credit limit and then repay. A credit card; a quasi-credit card refers to a quasi-credit card issued by a bank. The cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the quasi-credit card can be overdrawn within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

Applicable people for credit cards:

Credit cards are suitable for people who have stable salary income, frequent card purchases, can repay on time, and good personal credit.

Is there anyone in the credit card exchange group who wants to apply for a credit card but doesn’t know what to do or what to do? It is best to use QQ group or WeChat group

Currently, credit card application is very simple. You can fill in the information through the bank’s official website to apply, or you can apply through Alipay or WeChat. You can refer to Feike Forum on the teahouse

What consumer groups are credit cards suitable for?

The types of credit card consumer groups can be roughly divided into:

Price-sensitive people: If you are particularly concerned about prices If you are sensitive, then your first consideration may be whether you have to pay an annual fee to apply for a card. Some banks will provide annual fee exemption for the first year for group card applications, or provide annual fee discounts for specific units to apply for cards.

Brand-oriented: Price is not very important to you, but you are particularly particular about brand. You can apply for a card for your favorite bank card brand, whether you admire the time-honored brands of the four major state-owned banks, or It is a new brand of commercial banks, and you can get satisfaction when applying for a card.

Benefit priority: What benefits the card can bring is the most important focus. You can first compare various benefits, including points validity period, additional insurance, bank supporting discounts provided, and shopping mall discounts. Click Wait to make your selection. In addition, various co-branded cards are also the best choice for those who are concerned about card benefits.

Convenience comes first: time is money. What you need is whether it is convenient to apply for a card at your door, deliver the card, make payment, the quality of customer service phone service, and related services of online banking, etc.

Popular followers: I hope to become the envy of everyone. The cards currently issued by domestic banks include transparent materials, beautiful patterns, and irregular shapes, which can meet the needs of pursuing fashion.

Credit card traders: Using credit cards is just for convenience. Use credit cards as a substitute for cash and checks, and the balance will be paid off in one go at the end of each month.

Credit card revolvers: Use credit cards as financing tools and are happy to use the credit card's revolving credit function and pay loan interest.

Multiple users: Absolute classification is unrealistic. There will also be situations where consumers belong to the above two types at the same time. That is to say, you are a trader when it comes to some small purchases, and you become a turnover person when it comes to some large purchases.

What does Bank of China Credit Card Customer Group Installment mean?

Bank of China Credit Card Customer Group Installment is a credit card business launched by Bank of China for employees of government agencies or public institutions. According to relevant inquiries, Bank of China's customer group installment is a credit card business launched for employees of government agencies or public institutions. The maximum credit limit for a single user is 300,000. Since the application process for customer group installment is relatively simple, you only need to provide some basic information to apply. The review time is approximately 5 to 7 working days. The loan limit is independent of the credit card limit and does not affect each other.

Is there a credit card QQ group? Thank you, please ask questions.

Of course there is, and there are many. You can open QQ on your mobile phone, enter your credit card in the add group, and search. There will be many credit card QQ groups.

That’s it for the introduction of the credit card group.