1. There are the following application processing methods: At present, all kinds of state-owned holding banks and joint-stock commercial banks, whether national or regional, actively encourage consumers to apply for credit cards. They are also improving their service efficiency as much as possible in order to better serve consumers. Of course, because the standards of each bank are different, consumers may feel that some banks' credit cards are not easy to handle.
2. Generally speaking, China Construction Bank, China Agricultural Bank, China Bank and China Industrial and Commercial Bank have higher requirements for applying for credit cards and smaller credit lines. Generally speaking, joint-stock commercial banks are more efficient than state-controlled banks, and regional banks are more efficient than national banks. For example, China Merchants Bank, Ping An Bank, Shanghai Pudong Development Bank, Guangfa Bank, etc., have higher efficiency in approving cards and credit lines. In order to control risks, banks attach great importance to the repayment ability of cardholders. The information you submit must make the bank feel that you have enough repayment ability. The stronger the repayment ability, the easier it is for banks to issue cards and the higher the credit card limit will be.
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1. Credit card is a special card issued by banks or other punching institutions to the public, which gives cardholders a certain credit limit, within which they can spend first and then repay, shop at designated merchants at home and abroad, or deposit and withdraw cash at designated banking institutions and settle in RMB. Credit card is essentially a consumer loan. Developing consumer credit is the inherent requirement of the development of market economy, the objective need to ensure the sustainable development of national economy, and the only way for any country and region to achieve rapid economic growth and continuous improvement of people's living standards. Credit cards not only play the role of payment tools, but also play the most basic debt recording function. Coupled with the functions of cash advance and revolving credit, credit cards have surpassed the role of simple payment tools and have financial management functions.
2. Interest-free installment payment means that when a credit card holder makes a large amount of consumption at one time, he can divide the consumption amount into several installments for repayment without paying extra interest, and the procedure is as simple and quick as ordinary credit card consumption. This item has both advantages and disadvantages. As cardholders, more and more goods and services can be purchased by credit card in the form of installment payment, which can provide us with convenience and enjoy more goods and services in advance, but before deciding to pay by installment, we must also measure our future financial endurance.