Applying for a credit card gold card generally requires the applicant to submit good financial proof, such as real estate information, provident fund certificate, bank deposit receipt, etc. At the same time, applicants are required to have good credit information, 18 years old or above, and have full capacity for civil conduct, which is the basic condition for handling credit cards.
It takes 20 working days for the average user to apply for a credit card gold card. You can apply through the bank counter or the bank official website. The amount of card processing through bank counters is generally higher, mainly because they can submit more financial certificates, but online card processing is faster.
When users get a new credit card, they should know its basic information, such as annual fee, billing date, repayment date, overdue interest and so on. This information can enable cardholders to use credit cards better. When activating the credit card, you need to set the inquiry password and transaction password. These two passwords must not be confused when setting.
The credit card gold card means that the credit card applied by the user belongs to the gold card level, and the credit line of the credit card gold card is generally between 654.38+00,000 yuan and 50,000 yuan, but the actual credit line needs to be determined according to the application materials submitted by the user. You can apply for a credit card through different channels such as mobile banking, bank official website and bank counters.
It usually takes about 30 days to get a credit card after applying for it, and users need to activate it after getting it. The activation method is standard on the mailed envelope, and the user can choose one of them. It is worth mentioning that the transaction password and inquiry password need to be set when the credit card is activated.
The credit card can be used after activation, but it must be repaid on the specified repayment date after use, and there can be no overdue situation, because there will be penalty interest after overdue, and the longer the time, the more penalty interest. Moreover, after the deadline, the bank will upload the overdue records to the credit center, which will lead to the deterioration of personal credit information.
In fact, when the credit card cannot be returned on time, users can use installment repayment or minimum repayment amount, which can reduce the monthly repayment amount and avoid overdue. However, the use of installment repayment must meet the minimum repayment amount stipulated by the bank, and it can be returned in advance after installment.