Every credit card has a validity period, usually 3-5 years after it is issued.

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China.

When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks.

The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee. The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information.

And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.

A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

Extended data:

According to the Notice on Issuing the Measures for the Administration of Credit Card Business:

Article 17 Cardholders may overdraw their consumption within the limits and time limits stipulated in these Measures. Gold card overdraft limit 10000 yuan, ordinary card 5000 yuan.

Article 18 The longest overdraft period of a credit card is 60 days.

Article 19 Credit card overdraft interest shall be charged at the rate of five ten thousandths of daily interest within 15 days from the date of signing the contract or the date of bank entry, and at the rate of five ten thousandths of daily interest after 15 days, and at the rate of fifteen thousandths of daily interest after 30 days or when the overdraft amount exceeds the prescribed limit. The overdraft interest is not divided into sections, and the interest is calculated according to the highest interest rate grade or the highest overdraft amount.

Article 20 The overdraft business of each card-issuing bank shall be managed according to its credit scale. Overdraft is transferred to short-term loan accounting.

Article 21 Malicious overdraft refers to the overdraft behavior of the cardholder for the purpose of illegal possession, which exceeds the prescribed limit or time limit and is invalid after being collected by the issuing bank.

Twenty-second special units shall not refuse to accept valid credit cards legally held by cardholders and issued by contracted banks for any reason, and shall not charge cardholders extra fees for using credit cards.

Article 50 Cash deposited by an individual cardholder or his agent shall be handled at the issuing bank or his agent bank.

If a cardholder deposits cash with a credit card in an issuing bank or an agent bank, the bank shall affix a card stamp on the deposit slip, and after receiving the cash, submit the deposit slip and the credit card receipt to the cardholder.

If the cardholder entrusts others to deposit cash without pressing the card, the agent shall fill in the cardholder's card number, name and deposit amount on the credit card deposit slip, and send the cash to the bank for deposit formalities.

Article 51 When withdrawing cash from a bank, the cardholder shall submit his credit card and identity card to the bank or correspondent bank. IC cards and photo cards are exempt from ID cards.

After pressing (swiping) the card, the issuing bank or the agent bank fills in the cash withdrawal slip, and after verification, it is submitted to the cardholder for signature confirmation. If the payment limit is exceeded, the agent bank shall claim the rights from the issuing bank and fill in the authorization number on the cash withdrawal form. After completing the payment procedures, send the cash, credit card, ID card and cash withdrawal receipt to the cardholder.

Article 52 After the issuing bank (or correspondent bank) receives various documents transmitted by the acquiring bank through the same city bill exchange or through this system, it will handle the payment procedures for the cardholder.

Baidu encyclopedia-credit card