Current location - Trademark Inquiry Complete Network - Overdue credit card - Harbin Credit Card
Harbin Credit Card

Is it easy to apply for a Harbin Bank credit card?

As a local bank, Harbin Bank is easier to apply for a credit card than the four major state-owned banks, but applicants must also meet the credit card requirements. Basic conditions: The applicant is over 18 years old, has good credit, has a stable job and income, and has the corresponding repayment ability.

In addition, applicants should choose a credit card type that suits them based on their actual overdraft needs and credit conditions, and do not blindly pursue high-limit and high-level credit cards.

Under the same credit conditions, it is easier to apply for a regular card than a gold card, and it is easier to apply for a gold card than a platinum card.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes 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 appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. 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 so-called credit card generally refers to a credit card only.

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).

On May 25, 2021, the Supreme People’s Court issued and implemented the “Regulations of the Supreme People’s Court on Several Issues Concerning the Trial of Bank Card Civil Cases.”

Is the credit card approval rate of Harbin Bank high?

High.

Harbin Bank Consumer Finance is relatively easy to pass, with a pass rate of 90%. Generally, the following conditions need to be met: ① Be over 18 years old and have full capacity for civil conduct; ② Have a good personal credit report and no bad overdue records; ③ Have a stable job and corresponding income to repay the loan; ④ It is best to have credit card bills, continuous payment of social security and provident fund and other information; ⑤ Personal debt cannot exceed 50% of personal monthly income. If the debt is too high, you may be rejected.

Harbin Bank (HARBINBANK) is the only joint-stock commercial bank with legal person status in Harbin City, Heilongjiang Province. It was established in February 1997, with total assets of 270.409 billion yuan (at the end of 2012). Harbin Bank is headquartered in Harbin. It currently has 15 branches in Harbin, Tianjin, Chengdu, Shenyang, Dalian, Chongqing, and Jiamusi, and 24 rural banks and more than 200 business institutions in Beijing, Shenzhen, Jilin, Gansu, Chongqing, and Heilongjiang. On March 9, 2020, the "2019 China's Top 100 Banks List" was released, and Harbin Bank ranked 31st.

What is the phone number for Harbin Bank’s credit card service?

The telephone number of the Harbin Bank Credit Card Center is 95537 or 400-609-5537

Note that 95537 can only be dialed at the location of the Harbin Bank branch. For other areas, you need to dial 4006095537.

Harbin Bank’s credit card customer service hotline is as follows

Harbin Bank’s customer service hotline: 400-609-5537.

Customer service hotline: 95537

Global communication functions of Harbin Bank credit card: 1. Swipe the card: No deposit is required in advance, and you can consume immediately after opening the card and activating it. Cardholders can use the logo of the credit card organization or company on the card (including but not limited to UnionPay, MasterCard, VISA) to make purchases at domestic and overseas special agencies with the acceptance logo and other special agencies designated by the Bank. Currency conversion fees are waived when spending overseas with a UnionPay card. 2. Cash advance: Provide small cash loan services to cardholders. With the logo of the credit card organization or company on the card (including but not limited to UnionPay, MasterCard, VISA), the cardholder can use the credit card organization or company at home or abroad, the bank's designated cash withdrawal outlets or ATMs with their acceptance logos. Withdraw cash.

This is the end of the introduction to Harbin Credit Card and Harbin Credit Card app download. Have you found the information you need?