Enterprise credit card processing conditions: at least 18 years old; Having full capacity for civil conduct; Have a certain ability to pay; Units legally registered in China and opening basic account in domestic financial institutions; Having the qualification of legal person; Industrial and commercial enterprises, government organizations and administrative institutions that can independently bear civil liability abroad; And have a certain ability to pay.
The credit card limit of an enterprise is closely related to the registration time of business license, registered capital, private-to-public flow, fixed assets and valuation. The credit card limit of an enterprise is generally 50,000-1 10,000.
I. Credit card
1. Credit card, also known as debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
2. The credit card stipulated in the relevant laws of China (Interpretation of the Provisions of the NPC Standing Committee on Credit Cards) refers to an electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement and cash deposit and withdrawal. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.
3. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
Second, the credit card repayment method
1. In the issuing bank, this method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.
2. Transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.
3. Online repayment Common online platforms in China include UnionPay Online, Kuaiqian, Shengfutong, Alipay and Tenpay. Choose different platforms and banks, and the charging standards and specific arrival time are different.
Enterprise credit card processing conditions
Legal analysis: enterprise credit card processing conditions: 1, 18 years old; 2. Have full capacity for civil conduct; 3. Have a certain ability to pay; 4. Units registered in China according to law and opening basic account in domestic financial institutions; 5. Have legal personality; 6. Industrial and commercial enterprises, government organizations and administrative institutions that can independently bear civil liability abroad; 7. Have a certain ability to pay.
Legal basis: Article 6 of the Measures for the Administration of Bank Card Business Credit cards are divided into debit cards and quasi-credit cards according to whether the reserve fund is deposited with the issuing bank. Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. Quasi-credit card refers to a credit card in which the cardholder must first deposit a certain amount of reserve fund according to the requirements of the issuing bank, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank. Article 41 The issuing bank shall carefully examine the credit status of the credit card applicant and determine the effective guarantee and guarantee method according to the credit status of the applicant. The issuing bank shall regularly review the credit status of credit card holders and adjust their credit limit according to the changes of credit status.
What about the credit card?
I took my ID card, went to the bank office to fill in the application form, looked for an individual or unit with guaranteed credit, preferably you have a fixed work unit and a fixed income, issued a guarantee certificate, and then waited for the audit result.
Credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, and make repayment on the checkout date. Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts.
Credit card is a special carrier card with consumer credit issued by commercial banks to individuals and units. It is a card with the name of the issuer, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back.
How to apply for a credit card when the company is not in the local area?
If the company is not local, you can apply for a credit card as long as you are a regular employee and can submit proof of work and income. As long as you verify the information, you can verify your own information; When you apply for a credit card, you also need to fill in information such as your permanent address and contact information.
1. Can foreigners apply for a credit card at a local bank?
Foreigners can apply for a credit card at a local bank. There are no geographical restrictions on handling credit cards. As long as the personal information you provide is true and effective, you can handle it. Credit card is a kind of credit card issued nationwide, and there is no household registration restriction, so there is no problem in different places. As long as your personal credit and assets are recognized, you can apply for a credit card anywhere. However, if you apply for a credit card outside your domicile or place of work, the bank has higher requirements for the applicant's credibility. Applying for a credit card generally requires an ID card, proof of education, proof of income and important real estate. As long as the materials you provide are true and can be recognized by banks, most banks can handle them.
Second, how to apply for a credit card without a work unit?
How to apply for a credit card in a non-working unit: if the user is an individual merchant, he can provide a personal business license, a running income statement and a tax bill for the last three months; Users can apply for some assets, such as houses, cars, time deposits and other property certificates; Students who have just graduated without a work unit can ask their parents to get you a supplementary card.
Credit cards can be processed in 3 days at the earliest. Generally, online credit card processing is completed within 5 working days, and new users need to go to the bank outlets for face-to-face signing, and the audit is completed within 2 working days after face-to-face signing. For some cardholders who have applied for a credit card and submitted complete information, the bank's approval will be much faster. Generally, the card will be issued in about 3 days, so how long the credit card can be used depends on the applicant's personal situation and the approval speed of the issuing bank.
How to apply for a credit card?
The first credit card application method is: the applicant directly applies at the bank counter. If you apply in a bank, you must fill in the information directly. There are bank staff at the scene who can guide me to fill in the relevant information, which can avoid the problem that we are rejected because of the wrong information. At the same time, more qualification certificates and wealth certificates can be issued, which is conducive to improving our final credit card limit. However, it will be relatively slow to review the credit card at the bank counter, because you have to report the information of the branch to the credit card center, and then the card center will review your information. Another way is to apply for a credit card online: now we can apply for a credit card in official website, but this way of applying for a card online is to fill in the information ourselves, which is more likely to lead to the problem of filling in the wrong information, which will lead to rejection. But online processing is mainly convenient without going out, as long as a mobile phone or computer can handle it. There is another way to handle credit cards: through the bank's credit card salesman. We can often see these bankers selling credit cards in shopping malls or other stores. This way of handling cards is to receive awards, but because they are all business personnel, the main purpose is to obtain performance. Therefore, we should carefully weigh some things that guarantee a high amount of credit and ensure card issuance, and don't believe it too much. The process of handling a credit card is 1. Prepare application materials. 2. After the materials are ready, you can apply to the bank or make an appointment online. 3. Then wait for the approval of the bank. During the approval process, the bank will call the applicant to verify the information. 4. After the approval, the bank will mail the card to the applicant, and get the card about 3 weeks after submitting the information successfully. "Legal basis: As a civil act, the credit card business has been stipulated in principle by the General Principles of Civil Law, Contract Law, Criminal Law, China People's Bank Law, Commercial Bank Law and other laws. In Chapter 5 of the Law of China People's Bank, the People's Bank of China examines and approves the establishment, alteration, termination and business scope of financial institutions according to regulations. There are 65,438+03 items in the business scope of Article 3 of the Commercial Bank Law, and the credit school business belongs to 65,438+03 other businesses approved by the People's Bank of China. Violation of laws and regulations is invalid, and corresponding criminal responsibility should be borne.
What about the credit card?
The credit card processing method is as follows:
1. Prepare materials. When you go to the bank to apply for a credit card, you must first prepare the corresponding processing materials, which generally include the original ID card, work certificate, income certificate, etc.
2. Go to the bank to get the number. After you prepare the information, you need to choose a favorite bank outlet and go to the bank self-service number machine to get the number during working hours, ready to handle the business.
3. Fill in the card processing information. Generally, you can ask the bank lobby manager how to fill in the information after taking the number, and fill in the information according to the tips of the staff and the template provided by the bank. The required information is accurate and cannot be erased.
4. Submit information. Fill in the corresponding information and wait for the phone call from the bank counter. After getting the number, go to the counter to submit the information needed to apply for the card and wait for the bank to review it.
5. Anti-audit. After receiving your audit data, the counter staff will review the data according to the corresponding regulations of the bank to see if it meets the conditions for handling credit cards. If there is, it has passed the audit. If you can't do it, it will tell you why.
6. Hairpins are activated. If the bank has issued a card, the bank counter staff will send it to you in time and help you activate it. Since then, your credit card has been successfully processed.
Extended information:
First, the advantages and disadvantages of doing a credit card:
(a) Benefits of credit cards:
1. If there is no deposit for overdraft consumption, you can enjoy an interest-free period of 20 to 56 days.
When shopping, you will get points as a gift.
3. Special merchants who hold cards in banks can enjoy preferential treatment.
4. Accumulate personal credit, and credit records can be added to credit files.
5. You can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo.
6. Some credit cards accept existing points.
7. Mail the statement free of charge every month.
8. Accessory card function, you can manage your finances together, and you can also master your child's financial expenses.
9. In the form of one card and two coins, you can repay in domestic RMB when you spend abroad.
10, 24-hour service hotline, loss reporting takes effect immediately.
1 1. Cooperate with third-party platforms to provide preferential services for cardholders.
(2) Disadvantages of credit cards:
1. Credit cards can easily lead to excessive consumption.
2. The annual interest rate of credit card is relatively high.
3. Credit card debt will bring mental stress.
4. If the credit is bad, the cost of borrowing money will be higher, or even you can't borrow money.
This is the end of the introduction on how to handle the company credit card and how to handle the installment repayment. I wonder if you have found the information you need?