There are different ways to apply for a credit card, and there are different steps according to different ways. The details are as follows:

1. Online application: I bring my original identity certificate and a copy of my work certificate. Please go to a nearby bank branch to apply with supporting documents such as documents and copies of financial certificates.

2. Apply through (vivox27Andord5.1) WeChat (8.0.16) on your mobile phone: You can follow the WeChat official account of the bank where you want to apply for a credit card, and then you can see "I want to apply for a card" in the bottom column ”, click and select the card type you want to apply for, and then fill in the information according to the prompts.

3. Telephone application: Call the bank's credit card center customer service hotline, then press "3" to apply for credit card consultation, select "1" to transfer to the service specialist for registration (different banks may be different, follow the voice prompts That’s it), and then notify the local staff to contact you to submit the information and wait for review.

1. What is the credit card repayment date:

The credit card repayment due date refers to the last date when the credit card issuing bank requires the cardholder to return the amount due. That is to say, after the card-issuing bank issues a bill, all previously consumed charges should be paid off before the due repayment date. In fact, the repayment due date is the last day of the interest-free repayment period. Repayments before this date are interest-free. Overdue interest and late payment fees will be charged. The interest-free repayment period is different for each bank.

2. Impact of overdue credit cards:

First, failure to repay overdue payments will affect personal credit. If a borrower borrows money from the bank and fails to repay it overdue, a bad credit record will be left on his or her personal credit report. In the future, it will be very difficult to apply for a credit card or loan, and most of them will be rejected, which will cause a lot of trouble to personal production and life.

Second, the most direct consequence of non-repayment of a credit loan is high penalty interest, and you may also be required to pay a certain amount of liquidated damages. Even the principal and interest add up to a large expense. The result of not repaying on time will increase your financial pressure.

Third, if the loan is not repaid overdue, the lender will face various collections. Banks or financial institutions have their own collection systems. When the loan is overdue, the junior collection agency will send you text messages or call you to demand payment. If the debt is not repaid for a long time, or in serious cases, there may even be face-to-face collection by debt collectors. This overdue person must be mentally prepared and should find a way to pay off the money as soon as possible before the problem can be resolved.

Fourth, if the loan is overdue for a long time and the amount is relatively large, the lender may be sued by the financial institution. After the lawsuit is accepted and the court pronounces its verdict, the lender's assets may be seized. This is a "repayment ruling" that the lender must execute. Otherwise, the court will seize the property and other assets under your name in accordance with the law and use the proceeds from the auction to repay the debt.