Does it cost to apply for a credit card? How much

It's free to apply for a credit card.

You can apply for a credit card as long as you provide valid personal identification, stable income certificate and fixed work certificate, personal assets certificate, and personal credit record.

however, it should be noted that there is a certain annual fee for credit cards. Now, the annual fee is generally waived in the first year, and the annual fee is waived in the following year if you swipe your card six times in the first year, and so on. If you swipe your card normally, you don't need to pay the annual fee.

more about how much does it cost to apply for a credit card? Enter: See more

Does it cost money to apply for a credit card?

It doesn't cost money to apply for a credit card.

After you successfully open the card, if you don't use it enough times, the bank will generally charge you an annual fee, and the annual fee for each bank's credit card is different,

Moreover, the credit card level is different.

However, some banks have an annual fee-free policy. Generally, it is free in the first year, and then it will be free in the following year after being swiped several times in a year. Every credit card needs an annual fee, ranging from tens of dollars to thousands of dollars.

however, in general, you can waive the annual fee by swiping your card.

a credit card, also known as a debit card, is a credit certificate issued by a commercial bank or credit card company to a consumer with qualified credit. It is in the form of a card with the 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 special 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 limit.

main features

① Credit card is one of the fastest-growing financial services, which can replace traditional cash circulation in a certain range;

② Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also obtain certain loans from card issuers by using credit cards;

③ Credit card is a high-tech product integrating financial business and computer technology.

④ Credit card can reduce the use of cash and currency;

⑤ Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

⑥ Credit card can simplify the collection procedures and save social labor;

⑦ Credit card can promote commodity sales and social demand.

financial management strategy

1. Control the number of credit cards, and enough is enough

Once there are too many credit cards, it is easy to get the repayment date of this card wrong and forget the credit limit of that card, which is difficult to manage, and it is easy to cause overdue repayment and leave a bad record. Moreover, multi-card credit card points, too scattered points are not conducive to redemption of gifts. Therefore, it is suggested that only one or two credit cards are enough.

2. Keep the credit card voucher

Most credit card holders don't care about the voucher, and they don't keep it. Most of them just throw it away, which is a very bad habit. In fact, keeping the credit card voucher is not only convenient for summarizing the consumption records every month and then analyzing and optimizing the consumption habits, but also helpful for improving the rationality and transparency of credit card consumption, so as to clearly understand the credit card. And many people's credit cards don't have passwords, so discarding credit card vouchers at will may lead to credit card theft.

For safety reasons, it is best to keep the credit card voucher after spending, so that you can know well and develop good credit card financial habits.

3. Reduce withdrawal

Credit cards have two functions: overdraft and withdrawal, but withdrawal requires a certain percentage of handling fees, and even if you deposit your own money in them, you will be charged. Therefore, it is not cost-effective to use it or use it as a passbook.

4. Choosing the right credit card

The choice of credit card is very important. Nowadays, many commercial organizations have bundled cooperation with banks. For example, they can set up a joint credit card of a department store and the corresponding bank, so they can spend points here as members and get discounts. Or some cards can be discounted at designated merchants, including meals, movies, trailer services, etc., with a variety of names, and you can choose freely according to your own needs. Credit cards should be used well and chosen well.

5. swipe your card as much as possible within the maximum spending limit

every credit card has a limit, and you are safe to swipe your card within this maximum limit. Then, within this controllable range, please swipe your card as much as possible. Because a credit card is equivalent to having a bank pay you in advance when you buy something, so why not return it to the bank on time on the repayment date? On the one hand, it is more convenient to consume, on the other hand, it can accumulate credit, and the bank can also charge the merchant a handling fee from your credit card amount, which can be described as a win-win situation.

6. Don't repay until the repayment date

Make use of the last repayment date to earn more interest. After all, money is put in your account, and the interest generated is your own, so you should make full use of the opportunity of money in your own hands to make it generate more money. In addition, if you can't repay on the repayment date for some special reasons, please call the bank's credit card customer service hotline to explain the situation and ask for a delay of repayment for one to two days. Generally, this situation will be allowed.

How do rural credit cooperatives charge for the card?

Rural credit cooperatives basically don't charge for the bank card. Now, the fee for the card is the fee, which varies from place to place, generally around 1 yuan, and many banks, especially rural credit cooperatives, don't charge the fee. Now everyone can apply for a card free of annual fee and small account management fee in every bank. Usually, there is no need, no cost, no need to deposit money and pay money. Just say it when you apply for a card.

Supplementary information:

1. One ID card can handle two rural credit cooperative cards

2. Some banks have certain restrictions on the number of ID cards;

3. At most, three bank cards can be processed at the same bank at one time;

4. The total number of bank cards held in rural credit cooperatives shall not exceed ten;

5. Only one online banking account can be opened, and multiple bank cards can be associated;

6. One of the bank cards can apply for annual fee exemption.

Extended information:

1. Credit card of rural credit cooperatives

(1) Credit card application conditions of rural credit cooperatives:

1. Must be at least 18 years old.

2. The annual income is at least 3, yuan.

3. There is no bad record on personal credit record.

4, stable work.

(2) The following information is required:

1. Copy of ID card (self-copying).

2. Income certificate or work certificate of the company (printed by yourself or collected at the counter).

3. Credit card application form (collected at the credit union counter).

4. If you have real estate or vehicles, you will get a large credit card limit by providing information to the bank.

3. Relevant information after credit card processing

1. After the credit card application information is submitted, it will first be submitted to the credit card center audit department of the issuing bank. The audit department will grade the applicants according to their personal situation, which usually takes 1 working days.

2. If the card is approved, the issuing bank will make the card for the cardholder within two working days, and then send the registered letter of the credit card by registered mail or express delivery, which usually takes about one to five days, and the express delivery usually takes about five days.

3. For some cardholders who have applied for a credit card and submitted complete information, the approval of the bank will be much faster, and the card will be issued in about three days, so the credit card will be processed soon, depending on the applicant's personal situation and the approval speed of the issuing bank. The results will be available in a month or so.

How much does it cost to get a credit card?

It costs nothing to get a credit card.

A credit card, also called a debit card, is a credit certificate issued by a commercial bank or credit card company to qualified consumers. It is in the form of a card with the 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 special 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 limit.

the credit card stipulated in the relevant laws of our country (the NPC Standing Committee's Interpretation of the Provisions on Credit Cards) refers to the 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, cash deposit and withdrawal [1-2]. On December 1, 217, the Standard for English Translation and Writing in Public Service Field was officially implemented, stipulating that the English name of the credit card standard is CreditCard[3].

credit card consumption is a non-cash transaction payment method, and it is not necessary to pay cash when spending, and the repayment will be made on the BillingDate. [4]

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which cardholders have 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 as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

from January 1, 221, the credit card overdraft interest rate will be determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate will be cancelled (the original upper limit is .7 times of the daily interest rate, and the lower limit is .7 times of the daily interest rate). [5]

On May 25th, 221, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.

the earliest credit cards appeared at the end of 19th century. In the 198s, the British clothing industry developed the so-called credit card, and the tourism and business sectors also followed this trend. However, at that time, the card could only be used for short-term commercial credit, and the money still had to be paid as needed, and there was no long-term default and no credit line.

Credit cards are generally special plastic cards with a length of 85.6mm, a width of 53.98mm and a thickness of 1mm. The name of the card issuer, expiration date, number, cardholder's name and other contents are printed on the front, and there are chips, magnetic strips and signature strips on the back. Cardholders can use their credit cards to shop, spend money and deposit and withdraw cash from banks.

It is said that one day in 195s, Frank McNamara, an American businessman, entertained guests at a restaurant in new york. After eating, he found that he had forgotten his wallet with him and had to call his wife to bring cash to the restaurant to settle the bill, so he was deeply embarrassed. So McNamara came up with the idea of establishing a credit card company. In the spring of 195, McNamara and his good friend Schneider jointly invested 1, US dollars to establish DinersClub in new york, the predecessor of Diners Credit Card Company. Diners' Club provides members with a card that can prove their identity and ability to pay. With the card, members can charge to the designated 27 restaurants without paying cash. This is the earliest credit card. This kind of credit card that does not need to be handled by a bank belongs to commercial credit card.

In p>1952, Franklin National Bank of California, as a financial institution, first issued a bank credit card, becoming the first bank to issue a credit card.

in p>1959, American bank of America issued the American bank card in California. Since then, many banks have joined the ranks of card-issuing banks. In the 196s, bank credit cards were quickly welcomed by all walks of life and developed rapidly. Credit cards became popular not only in the United States, but also in Britain, Japan, Canada and European countries. Since 197s, Hongkong, Taiwan Province, Singaporeans and Malaysians have also started to handle credit card business.

in the 196s, credit cards sprouted and developed rapidly in developed countries in Europe and America, such as the United States, Canada and Britain. After more than 5 years of development, credit cards have been widely accepted in more than 95% countries around the world. In 198s, with the reform and opening up and the development of market economy, credit cards, as electronic and modern consumer financial payment tools, began to enter China, and in the past ten years, they have developed by leaps and bounds.

after the financial crisis and the ups and downs of the domestic economy, China's credit card market picked up in 216. By the end of 216, the total number of domestic credit cards had exceeded 59 million. In 216, the national credit card consumption transaction amount reached 741.81 trillion, an increase of 1.75%, and the proportion of credit card consumption in the total retail sales of social consumer goods continued to increase. [6-7]

According to the "Report on Deep Investigation and Investment Strategic Planning of China Credit Card Industry in 213-217", since 21, in order to curb the excessive rise of asset prices and control inflation, the China government has implemented a prudent monetary policy and adopted a series of moderate austerity measures, which shows that macro-prudential and strengthening capital supervision have become the core of China's banking supervision, and various tightening money supply operations and capital restraint policies have affected the liquidity level of China commercial banks. The analysis shows that the evolution of the industry structure has further optimized and diversified the product portfolio, and also increased the research and development of new industry standards and mobile payment; Deepening credit penetration; Staging business is developing in depth.

in February p>212, the bank confirmed that credit cards are safer without passwords, and if they are stolen, they will share the responsibility with the bank. Enjoy an interest-free period of 25-56 days (or 2-5 days). Credit card consumption enjoys an interest-free period, and the bill amount will be paid off before the due repayment date, and no expenses will be incurred. There is no interest-free repayment period for cash withdrawal, and five ten thousandths of daily interest will be charged from the day of cash withdrawal, and the bank will also charge a certain percentage of cash withdrawal fee.

China's credit card market is still one of the fastest growing product lines in China's personal financial services market. Although the economic benefits of the industry are full of challenges, the average annual growth rate of credit card issuance in China will remain at around 14% in the next 1 years, and the profitability will also tend to improve. It is estimated that the cumulative number of credit cards issued in China will exceed 8 million by 22.

that's enough for the introduction of how much it costs to apply for a credit card.