Do I need to pay a deposit to apply for a credit card? The new scam actually deceives people so much

Old credit card users know that it is difficult to apply for a large credit card unless there is a high level of asset proof or many years of card usage records. Not long ago, a credit card case was solved in Wuhan. The gang used Internet calls to call unspecified mobile phone users, saying that they could apply for large credit cards, but they needed to pay a deposit to implement telecommunications. The funds involved in the case amounted to more than 20 million yuan.

Netizens may wonder why so many victims believe such a scam? It turns out that most of the targets of scammers are people who need a large amount of money in the short term, such as those who have lost money in business or are eager to pay back money. Because these people who are in urgent need of cash often do not have the assets to apply for a large credit card. When they are short of money, many people will lose their minds. At this time, scammers will take advantage of the situation and pretend to provide help in times of need, but actually defraud money.

Currently, all those who claim to be able to apply for credit cards through phone calls, text messages or the Internet, especially those with large denominations, are illegal and non-compliant, and charging fees is considered financial. The bank stipulates that the applicant must apply for a credit card in person, and others cannot apply for the credit card on their behalf. I believe that the so-called agency will not only lose a "handling fee" and "deposit", but also make your personal information "transparent". When scammers get your information, they may also sell it to other criminal gangs to use you To commit more criminal acts in the name of others, the consequences will be unimaginable. In addition, scammers can do things for you or make payments on your behalf. If the scammer has gained your trust, even if they really help you download the card, they will defraud the money in the card by asking for verification codes, passwords, etc.

The limit and approval rate of credit cards are determined by the bank. No one can guarantee a large amount or buy a card. Managing your personal credit record well and improving your repayment ability are the keys to raising your credit card limit.

When applying for a credit card, you must go through formal channels. All formal channels are free of charge. Offline, you can directly go to the counter of a bank branch to handle the application. Online, you can self-service through the bank's official website, bank APP or Duxiaoman Financial APP. Banks sometimes take the initiative to go to some enterprises and institutions for centralized processing, but be careful to identify the identity of the handling personnel. It's a bank employee.

CITIC Credit Card, how to refund the deposit

Currently, CITIC Bank no longer requires a deposit, and the original deposit is also directly refunded to the bank card bound to the customer. There will be a message in the refund stating how to apply for a CITIC credit card. Users can directly bring the information to the counter of an offline CITIC Bank branch to apply.

2. You can also apply online, such as the official website of China CITIC Bank, mobile banking, credit card APP "Card Space", and "CITIC Credit Card" WeChat official account, Alipay life account, etc., all have application entrances .

3. It is required to be a natural person between 18 and 65 years old, with full capacity for civil conduct, good personal credit, and a stable and legal job or financial source.

Can I swipe a credit card to pay the hospitalization deposit?

You can swipe your credit card when paying the hospitalization deposit.

There are currently two ways to deduct the deposit: the first is credit card pre-authorization, which is a prepayment method. It only accounts for the card limit, and the cardholder does not need to repay it temporarily, and the transaction details cannot be found. Pre-authorization settlement is used for deposit settlement, that is, the pre-authorization is deducted from the actual payment amount, and the remaining amount does not occupy the card limit. The second is to pay directly by credit card. Transaction details can be found at the transaction entrance. If the hospitalization deposit is not used up, the hospital will refund the deposit in cash or directly to the credit card.

It is worth noting that swiping your card in the hospital is a public welfare consumption, and generally there are no points. Points will only be earned by swiping your card at shopping malls, restaurants, hotel accommodations and other places.

Compared with ordinary bank savings cards, the most convenient way to use a credit card is to make ordinary purchases when there is no cash in the card. In many cases, you only need to return the consumption amount on schedule.

1. You can overdraft without deposit and enjoy an interest-free period of 20-56 days.

You can repay the money on time without charging any interest (most banks will charge 0.05 interest and 2 service fees on the day of withdrawal. ICBC does not charge service fees for withdrawals, only interest).

2. When shopping, swiping your card is not only safe and convenient, but you can also earn points for gifts.

3. Special merchants with bank cardholders can enjoy discounts.

4. Accumulate personal credit and add integrity records to your credit file, which will benefit you throughout your life.

5. There are no barriers across the country. You can withdraw money or swipe cards at ATMs and POS machines with the UnionPay logo; (Note: Credit cards are only suitable for consumption. It is best not to withdraw cash. The cash withdrawal fees are high and not cost-effective)

6. Credit card consumption, Some credit cards earn existing points, and there are also various discounts and lottery activities throughout the year, so you will always be surprised as long as you use the card; (most credit cards do not have points for online payment, but online shopping payment is very convenient and fast)

7. Free monthly mailing of statements, allowing you to see every consumption expenditure at a glance; (now promoting green environmental protection, paper statements can be canceled and replaced with electronic statements)

8. Unique supplementary card function , suitable for couples to manage their finances together or control their children's financial expenses.

9. The free choice of one card and two coins is popular all over the world. Overseas consumption can be refunded in RMB.

10, 400 phone number or 9-digit short number is available 24 hours a day. Loss reports are effective immediately and there is no risk of card loss.

11. Validity period: As we all know, the validity period of domestic credit cards is generally three to five years.

12. Use third-party platforms (the domestic platform that supports credit card bill management is mainly Chejindou) to conduct business cooperation and provide preferential services to cardholders.

That’s it for the introduction to credit card deposit payment.