Credit card is a credit certificate issued by commercial banks for consumers to buy goods and pay fees. It has information such as the cardholder's name, signature and number. Cardholders can withdraw cash and buy goods at designated banks, shops and other places with their cards, and some can also overdraw small amounts of cash. Credit card and bank card are not the same card.

1. Information to be prepared for credit card processing:

1. Information of the main cardholder and personal income certificate.

2. Supplementary card applicant information.

3. Guarantor information.

4. Other information.

5. Statements and signatures of the main card applicant and the supplementary card applicant.

6. Bank column.

Second, the repayment method:

1, within the issuing bank. This method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.

2. Micro-silver pos mobile phone. Weizhong Bank pos mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer of credit cards. Arrive at the account immediately

3. Transfer/remittance repayment. It is divided into two ways: inter-bank in the same city and inter-bank in different places. In any case, the remittance bank will charge a certain handling fee.

4. Online repayment. Common network platforms are: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay and so on. Different platforms and banks have different charging standards and specific payment arrival time.

5. Convenience store repayment. Repayment is completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.

6. Counter repayment. Counter link refers to the bank card issued by various networked financial institutions, and the RMB current deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the mainframe system of UnionPay Trading Center.

7. Xinfutong Repayment. "Xinfutong" smart card phone is an innovative electronic product independently developed by China UnionPay, certified by Bank Card Testing Center and supported by financial services provided by China UnionPay's inter-bank information exchange network.

Extended data:

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.