When the cardholder fails to repay the credit card on the due repayment date or the repayment amount is lower than the minimum repayment amount, a penalty of 5% of the unpaid part of the minimum repayment amount will be charged each time, and the minimum or maximum charge will be determined by the bank. For example, CCB sets the minimum 5 yuan, 1 USD, 1 Euro. 2. The sentencing standard has changed: if the credit card is suspected of malicious overdraft before it is overdue, and the amount is more than 1 10,000 yuan (less than110,000 yuan), it is considered as "a large amount" as stipulated in the criminal law; If the amount is more than100000 yuan (less than1000000 yuan), it is deemed as "huge amount" as stipulated in the criminal law; The amount is more than one million yuan, which belongs to the "extremely huge amount" stipulated in the criminal law. The Supreme People's Procuratorate and the Supreme People's Court revised it as follows: if the amount of malicious overdraft credit card is more than 50,000 yuan (less than 500,000 yuan), it is deemed as "a large amount" as stipulated in the Criminal Law; If the amount is more than 500,000 yuan (less than 5 million yuan), it is deemed as "a huge amount" as stipulated in the Criminal Law; The amount is more than 5 million yuan, which belongs to the "extremely huge amount" stipulated in the criminal law.
First, the earliest credit card appeared at the end of 19. In the 1980s, the British clothing industry developed the so-called credit card, followed by the tourism and business sectors. However, at that time, the card could only be used for short-term commercial credit, and the money had to be paid back as needed. There was no long-term default and no credit line. In 1950s, McNamara, an American Manhattan credit expert, dined in a restaurant. Because he didn't bring enough money, he had to ask his wife to send money. This made him feel embarrassed, so he organized DinersClub (English: Diners Club). Members can bring their dining charge cards to 27 designated restaurants for consumption without paying cash. This is the earliest credit card. Franklin National Bank was the first bank to issue credit cards, and other American banks followed suit. It is said that one day, Frank McNamara, an American businessman, entertained guests in a restaurant in new york. After eating, he found that he forgot to bring his wallet. He was deeply embarrassed and had to ask his wife to bring cash to the restaurant to settle the bill. So McNamara came up with the idea of creating a credit card company. 1 In the spring of 950, McNamara and his friend Schneider jointly invested110,000 US dollars to establish DinersClub in new york, the predecessor of Diners Credit Card Company. Diners' Club provides members with a card that can prove their identity and ability to pay. With this card, members can keep accounts and spend money. This kind of credit card that does not need to be handled by a bank is still a commercial credit card.
Second, the word "credit card" originally refers to this financial product introduced in this post, but before it was popular in China, savings cards did not have credit cards or even any credit card functions. So the real credit card can only be called "credit card". A real credit card has the following characteristics: it is not allowed to deposit cash in advance, it can be repaid after consumption, it can enjoy an interest-free repayment period, it can be repaid in installments (the minimum repayment amount), and it can join international credit card organizations such as VISA, MASTER and JCB for global use.
Third, the credit card is another way of saying that a credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, and make repayment on the checkout date. Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts. 20 12 February, the bank confirmed that the credit card is safer without password, and if it is stolen, it will share the responsibility with the bank. Enjoy an interest-free period of 25-56 days (or 20-50 days). Credit card consumption enjoys an interest-free period, and the bill amount is paid off before the due repayment date, without any cost. There is no interest-free repayment period for cash withdrawal, and five ten thousandths of daily interest will be charged from the date of cash withdrawal, and the bank will also charge a certain percentage of cash withdrawal fee.