Take the credit card of Hebei Bank as an example

1. Apply (Party A is the applicant and Party B is Hebei Bank)

1. Party A guarantees that all the application materials provided to Party B are true, valid and legal.

2. Party B has the right to review Party A's credit standing and obtain Party A's personal data, and has the right to decide whether to issue a card to Party A, verify Party A's credit limit and conduct dynamic management, and will not return Party A's data that have not passed the card issuance application.

3. If Party B provides services related to credit cards for Party A, Party A agrees that Party B will entrust the relevant affairs under this Agreement to a third party, or provide its personal data to a third party that Party B deems necessary, including but not limited to Party B's branches, subsidiaries controlled by Party B, service organizations, agents and outsourcing organizations of Party B..

4. after receiving the credit card, party a shall immediately sign in the signature column on the back of the card and use this signature when using the card.

5. if the credit card applied by party a has the function of electronic cash, the credit card credit account will be the main account by default. The initial balance of electronic cash is zero, and Party A can use it normally only after it is deposited in the main account or cash.

2. Application conditions:

Any individual who has reached the age of 18, has full capacity for civil conduct, has a fixed residence and has a legal and stable income can apply for a personal card master card from the bank with his valid identity certificate recognized by the public security department.

You can also apply for supplementary cards for other natural persons with full capacity for civil conduct or natural persons with limited capacity for civil conduct (with the permission of their guardians). Each main card can apply for up to three supplementary cards, and the main card holder can apply for cancellation of the supplementary cards at any time.

the supplementary card holder and the main card holder * * * use the same account credit line, and the main card holder can set the usage limit of the supplementary card in a billing cycle within the account credit line, and all the transaction funds of the supplementary card and the corresponding interest and expenses are credited to the main card account, and the main card holder will bear all the repayment responsibilities.

the cardholder of the main card and the cardholder of the supplementary card with full capacity for civil conduct are jointly and severally liable for the money owed to the bank; Holders of supplementary cards with limited capacity for civil conduct are only liable for the debts incurred by the supplementary cards they hold.

Extended information:

Use of credit card

1. You can overdraw consumption without deposit, and you can enjoy an interest-free period of 2-56 days to repay the interest on time without any charge (most banks will charge .5% interest on the day of cash withdrawal, and there is a 2% handling fee, and ICBC will only charge interest).

2. swiping your card when shopping is not only safe and convenient, but also a bonus gift.

3. Access to the whole country is barrier-free, and you can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo; (Remarks: Credit cards are only suitable for spending credit cards, and it's better not to withdraw cash, which is very expensive and uneconomical)

4. Credit card spending, some credit cards taking existing points, various discounts and lottery activities throughout the year, so that you can always be surprised as long as you use the card (most credit cards pay online without points, but online shopping payment is very convenient and fast).

5. Mail the statement free of charge every month, so that you can grasp every consumption expenditure transparently (now advocating environmental protection, you can cancel the paper statement and change it into an electronic statement).

6. Unique supplementary card function, suitable for husband and wife to manage money together, or to master the financial expenditure of their children. The freely chosen form of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB.

7, 4 telephones or 5-digit short numbers with the prefix of 9 provide 24-hour service, and the loss will take effect immediately, with zero risk of card loss.

Hebei bank credit card-product introduction Baidu encyclopedia-credit card