Is it reliable to apply for a credit card online?

It is safer to apply for a credit card online. Compared with ordinary bank counters and agent booths, online card application has the advantages of convenience, speed, and convenience. It is fast, user-selective and can apply 24 hours a day.

Extended information:

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.

It is in the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back.

Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with the merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards as stipulated in the relevant laws of our country refer to electronic payment cards issued by commercial banks or other financial institutions that have all or part of the functions of consumer payment, credit loans, transfer settlement, cash deposits and withdrawals, etc.

On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit.

The credit card generally refers to a credit card.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).

The main features of credit cards:

①Credit cards are one of the fastest growing financial services today. They are an electronic currency that can replace traditional cash circulation within a certain range;

②Credit cards have both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using credit cards;

③Credit cards are high-tech products that integrate financial services and computer technology.

④Credit cards can reduce the use of cash;

⑤Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;

⑥Credit cards can simplify collection Reduce payment procedures and save social labor;

⑦Credit cards can promote product sales and meet social needs.

Is it reliable to apply for a credit card online?

It is safer to apply for a credit card online. Compared with ordinary bank counters and agent booths, online card application is more convenient, faster and faster. It is fast, user-selective and can apply 24 hours a day. Welcomed by many friends.

However, there are certain limitations to applying for a credit card online. For example: 1. The quota is generally low. When applying for a credit card online, users usually fill in the information themselves. Without the guidance of bank staff, the information is often incomplete. And there is less information submitted online. This will have a certain impact on the credit card limit. Therefore, credit card limits applied online are generally lower.

2. Little relevant information is known. Although when applying online, the relevant introduction to credit cards is relatively comprehensive. However, during the actual application process, few people read it carefully. Therefore, I don’t know much about the usage of some credit cards. When applying in a bank, users can listen to detailed introductions from bank staff.

3. The probability of playing cards is small. Compared with bank counters and agent booths, the probability of applying for a credit card online is smaller.

In order to complete their tasks, bank counters and mobile stalls will try their best to help applicants apply for cards and provide guidance when applicants fill in information. When applying for a credit card online, it mainly depends on the user's qualifications.

If you have a credit card debt and cannot pay it back, you can refer to the following methods:

Use the minimum repayment function

Each bank will have a minimum repayment amount Function, as long as you pay the minimum repayment amount, the bank will not charge late fees, nor will it affect your personal credit. Generally speaking, the minimum repayment amount is 10% of the total bill amount. For example, if you spent 10,000 yuan on your bill this month, the minimum The repayment only needs 1000010=1000 yuan.

However, interest will be charged for repaying the minimum, which is 50% of the interest per day. Therefore, you only need to repay the minimum. Although the pressure will be reduced, compound interest will occur, which will be relatively troublesome, and you can only For temporary delay.

Use the installment function

If you are under repayment pressure, you can directly apply for bill installment. Generally, banks provide 3, 6, 9, 12, 18, and 24 installments. , you can choose the number of installments according to your repayment ability, which can alleviate the repayment pressure and will not affect your credit;

The disadvantage is that there will be handling fees, which vary from bank to bank, but generally Between 0.6-0.8.

Change the bill date to extend the repayment period

This is also what others call the 100-day interest-free period. Here is an example:

Mr. Li spent 10,000 yuan on his credit card due to demand, but he found that he could not pay it back at once, and he did not want to pay the minimum or installment, so he could first extend the time for the bill to be issued by changing the bill date to extend the repayment time. , assuming that his 1W will be billed on May 29, then Mr. Li can call the bank on May 28 to apply to change the billing date, which can be changed to 25 to 27, then there will be no bill in May. , this 1W will be billed from the 25th to the 27th of June, plus about 20 days of interest-free repayment period, this amount only needs to be repaid around the 18th of July; if that time If you still can't pay it back, you can still use the two methods mentioned above.

Note: The billing time cannot be changed casually. Generally speaking, it can be changed once every six months. Some banks change it once a year, and some banks can only change it once.

Repay by applying for a card or raising the limit

If you can apply for a card or raise the limit, you can also use the card to replace the card, but this method must be used well, otherwise The outcome is still the same, so the solution is to understand and be familiar with several functions of credit cards, and then implement these basic functions.

Proactively explain the situation to the bank for negotiation

If you are unable to repay for a period of time due to special circumstances such as work, you can proactively call the bank to explain the reason and prove that you are not refusing to repay maliciously. There is indeed a reason. Discuss whether you can delay the repayment. Never change your phone number and ignore the bank. This will destroy your personal credit unless you will never deal with the bank again.

Is it reliable to apply for a credit card online?

1. As long as you choose a formal channel to apply for a credit card online, it is reliable. At present, all major banks provide a variety of application channels for credit cards. In addition to applying for cards through branches, the bank's official website, WeChat official account, mobile banking APP, and third-party card application platforms officially authorized by the bank, such as WeChat, Alipay, You can apply for a card online such as Cloud QuickPass.

2. As long as it is a formal and reliable channel, it is free to apply for a credit card, and you need to meet the bank's card issuance conditions to successfully apply for the card. Those who apply for the card and collect money are not reliable.