Is the rural commercial bank's pioneering harvest card a credit card?
The rural commercial bank's pioneering harvest card is not a credit card.
Because the pioneering harvest card is one of the series of UnionPay logo harvest cards issued by the rural commercial bank for individual industrial and commercial households and small and micro-enterprise owners who are in the early stage of starting a business, it has the financial functions of a harvest debit card, and also has the function of small personal revolving loans.
target
individual customers, such as individual industrial and commercial households and small and micro enterprise owners, who meet the operating loan conditions, have a fixed residence within the service scope of the Bank's jurisdiction, voluntarily abide by the provisions of the Bank and agree to grant credit upon examination.
loan amount
The maximum loan amount and self-service revolving loan amount are determined according to the borrower's capital demand, credit status, repayment ability and other factors, with the amount ranging from 3, yuan to 1 million yuan.
service life
at present, the longest service life is no more than 2 years.
the credit card repayment date of Zhejiang rural commercial bank is 9th, but is my repayment on 1th overdue? Moreover, the repayment was notified on the 11th.
Your bank credit card repayment date is the 9th, but your repayment on the 1th is one day overdue, and the repayment was notified on the 11th. I suggest that you repay on time in the future, and there will be no overdue repayment.
the credit card is overdue.
if the credit card is overdue, according to the self-discipline convention of the bank card industry, it will be returned at least 3 days later. If the repayment difference is within 1 yuan, no penalty will be charged. Otherwise, it is deemed overdue.
what's the impact of overdue credit card payment?
1. Interest and overdue fine
Interest generally refers to the full penalty interest, which means that even if the customer repays part of the money, the repayment part is not deducted when calculating the penalty interest, and the interest expense is usually calculated at five ten thousandths of the daily interest.
late payment refers to the fact that the cardholder will collect the "late payment fee" for the unpaid part of the minimum repayment amount when the actual repayment amount on the due repayment date of the credit card is lower than the minimum repayment amount. The proportion of late payment fees shall be uniformly stipulated by the People's Bank of China, which is 5% of the unpaid part of the minimum repayment amount.
2. If the repayment is overdue for more than three times, you can apply for a credit card with a small amount, or you can borrow a loan with a high interest rate
3. If you have a bad credit record
If you fail to pay it back for more than six times, you will be blacklisted by the Personal Credit Information System of the People's Bank of China. Being blacklisted may affect your work, school and going abroad. Don't think that it only affects yourself, but also your spouse and children. At that time, it is too late to regret, and the credit report does not believe in tears.
4. bear criminal responsibility
if the payment is overdue in bad faith, exceeding the prescribed limit or time limit, and the card issuer fails to return it for more than 3 months after two reminders, it is characterized as "malicious overdraft".
those who maliciously overdraw more than 1, yuan and less than 1, yuan are deemed to be relatively large, and shall be sentenced to less than 5 years or criminal detention. 1, yuan to 1 million yuan, a huge amount, shall be sentenced to imprisonment of not less than five years but not more than ten years.
if the amount is more than 1, yuan but less than 1 million yuan, the amount is huge, if the amount is huge or there are other serious circumstances, it shall be sentenced to not less than five years but not more than ten years, and a fine of not less than 5, yuan but not more than 5, yuan shall be imposed;
those who maliciously overdraw more than 1 million yuan are especially huge, especially huge, or have other especially serious circumstances, shall be sentenced to more than 1 years or, in addition, fined more than 5, yuan but less than 5, yuan or confiscated property.
how to apply for a credit card of rural commercial bank?
the application method is as follows:
first, the application place: you can apply through local bank outlets, local credit card center staff and bank official website
second, the application conditions: the applicant must be an adult who has reached the age of 18 and has stable repayment ability.
Third, submit proof: The proof documents to be submitted to the bank are:
1. Identity card;
2. Work certificate or income certificate;
3. work phone, home phone and my mobile phone;
4. the tax payment certificate or the real estate vehicle under your own name;
5. Other bank credit cards, etc.
the above information is not necessary, depending on the requirements of the bank, proof of work or income is very important.
In order to control risks, banks attach great importance to the repayment ability of card holders. The information you submit can only make the bank confirm that you have sufficient repayment ability. The stronger the repayment ability, the easier the application will be passed.
1. According to different card issuers, it can be divided into bank cards and non-bank cards
(1) Bank cards. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or withdraw cash at any time at all branches of the issuing bank or places with ATMs.
(2) non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are dedicated to shopping in designated stores or filling gas stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by service industries, such as airlines and travel companies, which are used for ticket purchase, dining, accommodation and entertainment.
second, according to the different card issuers, it can be divided into corporate cards and personal cards
(1) corporate cards. Corporate cards are issued to all kinds of industrial and commercial enterprises, scientific research and education institutions, state party and government organs, military units, organizations and other legal organizations.
(2) personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. Personal cards are applied for in the name of individuals and bear all the responsibilities of using them.
3. According to the credit status of cardholders, they can be divided into ordinary cards and gold cards
(1) Ordinary cards. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and their requirements are not high.
(2) Gold card. Gold card is an advanced credit card that pays high membership fee and enjoys special treatment. Card issuers are those with high credit, strong repayment ability and credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are much wider, so the requirements for related service fees and guarantee money are also higher.
fourth, according to the different payment methods, credit cards can be divided into credit cards and quasi-credit cards
(1) credit cards. It is that when the issuing bank provides bank credit, it overdraws first, and then repays or pays by installments. Most of these cards are used in international circulation. That is to say, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used in international circulation.
(2) quasi-credit card. It is a credit card issued by the bank, which deposits first and then consumes. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance for backup. The cardholder needs to use the card on the basis of the deposit balance, and generally overdraft is not allowed. At present, the credit cards issued by banks in China are basically quasi-credit cards, but cardholders are allowed to make goodwill, short-term and small overdrafts for consumption purposes. According to different card types, different limits are set, and repayment is made within the prescribed time limit, while interest is paid. Therefore, it is essentially a debit card with certain overdraft function.
5. According to the different circulation scope of credit cards, they can be divided into international cards and regional cards
(1) International cards. International card is a kind of credit card that can be used outside the issuing country and is universal. MasterCard, VISACard, AmericanExpressCard, JCBCard and DinersClubCard issued by five overseas groups (MasterCard, Visa International, American Express, JCB Card and Diners Club Card) are mostly international cards.
(2) regional card. Regional card is a kind of credit card that can only be used in the issuing country or in a certain area. Most credit cards issued by commercial banks in China belong to regional cards.
Zhejiang Rural Commercial Credit Card can be issued anywhere
Zhejiang Rural Commercial Bank can. According to official website, a rural commercial bank, as long as the credit score is enough, you can apply for a credit card in that rural commercial bank. Ruralcommercialbank, abbreviated as Rural Commercial Bank, is a joint-stock local financial institution composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations.
This concludes the introduction of Zhejiang Rural Commercial Bank credit card and the general credit limit of Zhejiang Rural Commercial Bank. Did you find the information you need?