In addition, it is the first time for users to apply for Huaxia Bank credit card, and try to choose a low-grade card, which can not only improve the pass rate, but also help to increase the actual credit card quota.
One: What is Huaxia Bank?
With the care and support of Deng Xiaoping, the chief architect of reform and opening up, Huaxia Bank was established in Beijing on June 1992. 1March 1995, the shareholding system reform was implemented; In September 2003, the Bank went public for the first time (stock code: 6000 15), becoming the fifth listed bank in China.
By the first half of 20 19, the total assets were 3.02 trillion, the total loans were 1.78 trillion, and the total deposits were 1.68 trillion. In 1 10 cities above the prefecture level, 42 first-level branches and 68 second-level branches have been established, with a total of10/7 business outlets and nearly 40,000 employees, forming an institutional system of "based on economically developed cities and radiating the whole country". "。 Established 1330 domestic and foreign correspondent banks, covering 334 cities in five continents 102 countries and regions, and established a settlement network covering major trade regions in the world. Among the 65,438+0,000 banks in the world selected by The Banker in July, 2065,438+09, Huaxia Bank ranked 56th in tier 1 capital and 67th in assets, up 9 places and 3 places respectively over the previous year. In Forbes magazine's 20 19 ranking of the top 2000 global listed companies, Huaxia Bank ranked 265th, up 24 places from the previous year.
Two: What is a credit card?
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 don't need to pay cash when using credit cards, but pay back on the settlement date. Except that some credit cards are combined with financial cards, general credit cards are different from debit cards and withdrawal cards. Credit cards do not directly debit the user's account.
Credit card is a special carrier card with consumer credit issued by commercial banks to individuals and units for shopping, consumption and cash deposit and withdrawal in banks. In the form of a card, the name of the issuer, the expiration date, the number and the name of the cardholder are printed on the front, and the magnetic stripe and signature strip are printed on the back.
Real credit cards have the following characteristics: cash deposits are not encouraged, consumption is followed by repayment, interest-free repayment period is enjoyed, repayment can be made in installments (minimum repayment amount), and international credit card organizations such as visa and master are increased for global use.