how to handle the credit card overdraft? See how to handle it here

Credit cards are deeply loved by everyone because of their overdraft function, and many people apply for credit cards. Now more and more people are beginning to want to know about credit cards, so many people come to ask: how to handle credit card overdraft? Today, I will answer this question for everyone.

1. Bank Handling

You can apply for a credit card at the bank counter where you want to go with your valid ID and some information such as your work certificate, salary income and property certificate. Generally, you have to queue up to get the number.

However, sometimes, we will find that some places such as shopping malls will have card counters set up by banks. You can also go to the card counters to submit those materials and fill in the information to apply.

After the application, you mainly wait for the bank's approval. After the bank's approval, the credit card will be sent to you. After receiving the card, you can activate the card according to the information in the card letter. After the activation is successful, you can use the credit card to overdraw.

Second, online processing

Nowadays, many people are afraid of trouble, so if you think the previous method is more troublesome, you can also take the online processing method. First, you should enter the official website of the bank you want to handle, and then find "Credit Card" on the homepage of the bank official website and click to enter the "Credit Card" page.

then click "Apply for a credit card now" in the Credit Card interface, and then select the card type you want on the application page, click "Apply Now", then select "Card Face" and "Card Organization", click "Confirm" after selection, and then fill in your personal information and click "OK to submit".

after that, the bank will conduct an audit. After the audit is passed, the credit card will be sent to you. After you receive the credit card, you will go to the bank to submit the information for activation. After successful activation, you can use the credit card to overdraw your consumption.

the above is about "how to handle credit card overdraft?" Credit card overdraft consumption can be said to greatly facilitate our lives, and also allow us to spend easily when eating, drinking and shopping. Friends who want to know this information can refer to the summary.

how to get a overdraft card?

To handle a overdraft card process:

1. You need to find a salesman or go to the bank to fill out an application form;

2. Then the bank regularly delivers the form to the audit center;

3. The audit center will audit your information, evaluate your credit and determine your credit limit;

4. Send the card to your hand;

5. It can be used after being signed;

6. There is no way to use it, just spend it as usual. Please check carefully what is written in the bank statement. Just return the bill generated on the previous billing date before the repayment date.

Conditions to apply for a credit card:

1. Generally speaking, any natural person with full civil capacity can apply for a credit card as long as he is 18-65 years old, has a fixed job in the place where he applies, has a stable income and his income is above the local average.

2. At the same time, the applicant for the main card can also apply for no more than two supplementary cards for the immediate family members who are over 16 years old and have full capacity for civil conduct. Applicants can get the application form through bank outlets, or log on to the bank portal website to download and submit the application form, or call the bank's customer service phone to request to send the application form.

3. When submitting the application form, applicants need to provide copies of their identity documents (resident ID card, military officer's card, Hong Kong and Macao residents' mainland travel permit, Taiwan Province compatriots' mainland travel permit and one of foreign passports), as well as proof of work, and some banks need to provide proof of fixed residence (such as real estate license, house lease contract, purchase invoice, etc.) and proof of income. Generally speaking, the applicant can inquire about the progress of the application through the customer service phone within 1 working days after submitting the application form, whether the bank accepts the application normally, and whether the card is issued after 15 working days. If the card is successfully issued, attention should be paid to checking.

When filling out the application form, you should pay attention to the following matters:

First, before filling out the form, please read the credit card collection contract carefully to understand your rights and obligations. From the time your card application is approved, the credit card contract will come into effect.

second, each item of the application form needs to be filled in truthfully and completely by the applicant with a pen or signature pen, and the handwriting is standard and clear, and cannot be altered.

thirdly, when choosing the mailing address of the statement, you must fill in the details and the postal code must be correct, so that the bank can keep in touch with you and ensure that you can receive the statement sent by the bank in time.

fourthly, if the "telephone number of the company" in the application form is the switchboard telephone number, the extension number must be clearly stated, so that the bank can get in touch with you as soon as possible when conducting telephone audit or after-sales service.

fifthly, when filling out the application form, the main card applicant must personally sign the application form with a pen, and those signed by others will be deemed invalid (unless otherwise stipulated by the bank).

how to handle an overdraft credit card? What are the conditions

Is there any difference between overdraft function of credit card and ordinary credit card? Can all credit cards be overdrawn? How to handle an overdraft credit card? What are the application conditions? How to apply for the safest and most effective?

1. Conditions for handling overdraft credit cards

If you are 18-6 years old and have an ID card, you can issue an income certificate and a work certificate stamped with the official seal of the company and the company. There are two contacts, the phone number of the company or company has a stable job and income. The necessary application documents are a copy of your identity certificate and a work certificate. If you can provide other financial documents, it will be more helpful to understand your personal situation and judge the credit limit.

2. Application materials for overdraft credit card

1. Identification: generally, it is an ID card (if you use a new ID card, you need a copy of the front and back), and the soldiers need to provide a copy of the military ID card;

2. Work certificate: it can be the original work certificate issued by the employer (please specify the specific company name, department, position and income, and affix the official seal or personnel seal of the company), or a copy of the work permit verified by the promoter and marked;

3. proof of financial resources: it can be payroll records issued by banks, or income tax withholding vouchers, or documents proving the market value of houses, cars, deposits and investments (such as copies of house ownership certificates, motor vehicle registration certificates and driving licenses, bank deposit certificates, equity certificates, etc.) and other materials that can prove your financial resources.

4. Proof of family relationship (status): Your family relationship affects your card application and application. You can also bring your household registration book ~

5. Other relevant certificates: personal account list of social insurance in the past 6 months, water and gas bills, credit card bills of other banks, etc.

Several tips for preventing credit cards from being overdrawn

Third, there are three ways to apply for overdraft credit cards

1. Online application: click on the bank you want to apply for a credit card in official website;

2. Please bring your original identity certificate, work certificate and financial documents, go to the branches of China Merchants Bank in person, fill in the application and other materials at the bank, and then the bank will grant you credit after reviewing the materials, and finally sign an agreement and apply for a card.

3. You can add "a certain bank credit card center" as a friend through WeChat, and click "I want to apply for a card" for a warm reminder: the credit card verification status and application amount will be subject to the final audit result.

Tips: It is best to apply for an overdraft credit card in a non-state-owned bank. The amount may be higher, and it is easier to apply successfully. You can go to the county-level bank building and find a credit card account manager to handle it. I wish you get your card as soon as possible ~

How to handle overdraft card in overdraft card

Do you know what it is? In fact, overdraft card, also known as a credit card, is the most basic credit card. Although many people are familiar with credit cards, in order for more people to apply for overdraft card, I will learn how to apply for overdraft card with you.

how to apply for overdraft card

1. Conditions for overdraft card application

Generally speaking, applicants must be at least 18 years old, and China people with full capacity for civil conduct, legal and stable income sources and good credit standing, foreigners who have permanent residence in China and compatriots from Hong Kong, Macao and Taiwan can apply for overdraft card with their valid identity documents.

2. overdraft card application process

1. Enter the bank credit card center to select your favorite card;

2. Fill in the application materials;

3. The bank sends it to the credit card center;

4. The credit card center conducts auditing, card making and issuing;

5. After getting the card, open the card and wait for the password letter to activate the card.

3. How to repay in overdraft card

You can choose a variety of methods to repay in overdraft card:

In-bank repayment: The repayment methods mainly include: the counter of the issuing bank, ATM, online banking, automatic transfer, telephone banking and so on. After repayment, the credit card limit will be restored immediately, and the money will generally be recorded after being processed by the system on the same day.

mobile phone repayment: the mobile phone is a personal payment terminal in the mobile financial system, which can be used for direct credit card repayment and transfer. Immediate arrival!

convenience store repayment: convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it takes 2~3 working days to arrive at the account, and no handling fee is charged for repayment in this way.

Online repayment: The common online repayment methods in China are Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay and Yifubao. Different platforms and banks are selected, and the charging standards and the specific payment arrival time are different.

inter-bank transfer: inter-bank transfer/remittance repayment can be divided into two ways: inter-bank in the same city and inter-bank in different places. No matter how to transfer or remit money, the remitting bank will charge a certain fee, and at the same time, the time of payment and the convenience of repayment are not as good as those in peers, online repayment and convenience store repayment.

Counter link: Counter link refers to the bank card issued by various networked financial institutions, which is used to conduct RMB current deposit and withdrawal transactions through the counters of other bank outlets registered in the host system of UnionPay Exchange Center.

Lacarra: Cardholders can complete credit card repayment, mobile phone recharge, online bill payment and other services through convenience stores, bank outlets or purchasing "Lacarra" equipment terminals.

xinfutong: "xinfutong" smart credit card phone is an innovative electronic product independently developed by China unionpay, certified by the bank card testing center, and supported by financial services provided by the inter-bank information exchange network of China unionpay.

repayment pass: repayment is made by using the "repayment pass", and the fees are generally charged according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank.

other methods: in addition to these repayment methods, the issuing bank has also opened their own repayment methods for the convenience of cardholders.

expansion: consequences of credit card overdraft:

1. Bear a high penalty interest.

after a credit card defaults, the penalty fees usually involved are revolving interest fees and late fees.

revolving credit is essentially a small unsecured loan with daily interest. If it is not fully repaid on the last repayment date, revolving credit interest will be generated on the next statement, and the interest needs to be calculated from the date when consumption is recorded.

the so-called credit card late payment fee refers to the fee that the cardholder should pay to the card-issuing bank according to the regulations when the repayment date is not due or the repayment amount is less than the minimum repayment amount.

2. Leave a bad credit record.

Credit card users' overdue repayment will be recorded in bad credit records, and the basic database of personal credit information has been networked nationwide. As long as individual residents have handled lending business in banks, applied for credit cards, or provided guarantees for others, they can find credit reports in any domestic commercial bank.

3. Criminal responsibility is required for malicious overdraft.

article 196 of the criminal law stipulates that malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and still refuses to return it after being urged by the issuing bank.

Those who maliciously overdraw and engage in credit card activities, if the amount is relatively large, shall be sentenced to not more than five years or criminal detention and fined not less than 2, yuan but not more than 2, yuan; If the amount is huge or there are other serious circumstances, it shall be sentenced to not less than five years but not more than ten years, and a fine of not less than 5, yuan but not more than 5, yuan shall be imposed; If the amount is especially huge or there are other especially serious circumstances, it shall be sentenced to not less than ten years or, in addition, a fine of not less than 5, yuan but not more than 5, yuan or confiscation of property.

what are the consequences of credit card overdraft? As you can see from the above, you need to bear a high penalty interest, leave a bad credit record, bear criminal responsibility, etc. If you want to know more about the legal knowledge of credit card overdraft, please call an online lawyer.

how to handle an overdraft credit card

In fact, overdraft card is a credit card in disguise, with a new name, but the nature is the same, just like the process and conditions for handling a credit card. If you want to apply for an overdraft credit card, the applicant can bring relevant information to the bank counter or apply online.

credit card processing process:

1. Contact the bank credit card processing salesman, and someone will come to the door to handle it quickly without going out;

2. After receiving the phone call, the salesman comes to the door and asks the handler to fill in the credit card application form and hand in all the required materials;

3. For qualification review, the bank will decide whether to approve the card according to the running water of the fund account and the credit record;

4. After approval, issue a credit card. After receiving the card, you can activate it by phone, SMS or online banking, and you can use it after modifying the password.

5. You can also go to the business outlets, where you also need to fill in the credit card application form and hand in the relevant materials, waiting for the bank to review.