Credit card itself is not an online loan, but credit card consumption is a loan. This type of loan is a personal guaranteed loan in the loan classification. The overdraft caused by using a credit card for consumption or payment is a loan. The use of credit cards will be clearly recorded in the personal credit report. If the credit card is overdue, it will have a negative impact on the personal credit report and will directly affect the personal credit report life in the future. The above is the relevant content about whether credit cards are online loans. What to do if your credit card expires?

After a credit card expires, you can change it to a new card or cancel the card. When a credit card is about to expire, the card issuer will send a text message to remind you and ask whether you want to renew the card. But most banks default to card renewal and send new cards to users one month before the credit card expires. The new card sent is exactly the same as the expired card, the limit in the card is the same, and the bill remains unchanged. It can be activated and used directly, and the points, limit, information, etc. in the old card will be transferred to the new card.

If you don’t want the credit card anymore, you can contact the bank before the credit card expires, express your desire to cancel it, tell the bank that you don’t need to make a new card, and then just bring the old card to the counter to apply for cancellation, but you need to Pay off the used credit on the card first. Will the user's family be implicated if the credit card is not paid?

If the credit card is not paid, the user's family will not be implicated, because the credit card is personal, so even if the user's credit card is not paid, On the other hand, the bank will not let the user's family bear the user's credit card debt. However, if the credit card cannot be repaid, there will undoubtedly be debt collection by the bank, and the debt collection is likely to affect the daily life of the family. Because sometimes banks may call the mobile phone contacts in the user's mobile phone address book for collection, especially in the later stage of collection, banks usually contract with third-party collection companies to collect collections, and the collection companies may very well Calling the user's address book and disturbing the user's relatives and friends will have a serious impact on the daily life of relatives and friends. Where can I apply for a credit card?

1. Bank outlets: Various banks will issue credit cards. If users need to apply for a credit card, they must directly bring their ID, personal income certificate, fund certificate and other materials. That's it;

2. Online banking or mobile banking: Users who have activated online banking or mobile banking can also log in to the bank's official website or download the mobile banking client and follow the prompts to apply for a credit card.

This article mainly writes about the knowledge points about whether credit cards are online loans. The content is for reference only.