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If you want to use credit cards rationally, you need to have a certain understanding of credit cards. A credit card, also called a credit card, is a non-cash payment method and a simple credit service. Specifically, a credit card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.
Credit cards are also classified. Generally speaking, we divide credit cards into credit cards and quasi-credit cards. A credit card means that the cardholder has a certain credit limit and can use the credit card within the credit limit. A credit card that consumes first and repays later; a quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient to pay, the quasi-credit card can be overdrafted within the prescribed credit limit. The so-called credit card generally refers to a credit card only.
What are the tips for online credit card application?
When applying for a credit card, applicants can also use some tips to increase the probability of bank approval. For details, you can refer to the following tips:
First of all, if you are applying for a credit card for the first time, you can choose a credit card that is easy to apply for. There are three levels of credit cards: regular card, gold card, and platinum card. Regular card is the easiest to apply for. . Secondly, I suggest you choose to apply for a credit card online. Applying for a credit card online will be faster and the process will be simpler.
In terms of submission of application materials, generally speaking, if the applicant can provide more valid information to the bank, such as provident fund deposit certificate, real estate certificate, car ownership certificate, bank passbook, etc., the bank will approve the application. The pass rate will also be higher. Finally, if the applicant purchases the bank's financial products before applying for a credit card, it will be easier for the bank to pass the application of high-quality customers.
Basic knowledge of credit cards
After having a credit card, the cardholder also needs to know the following proper nouns.
About the billing date: The Xth day of each month is your billing date. After summarizing the consumption amount in a billing cycle, you need to repay before the next repayment date to enjoy the interest-free period.
About the repayment date: You must repay the amount due for the last bill month before the repayment date to enjoy the interest-free period. The repayment date is generally about 20 days after the bill date, and it varies slightly from bank to bank. , between the 19th and 25th.
About the credit limit: 1. Fixed limit: The bank determines the overdraft amount you can give you based on your assets and credit situation. The bank may also adjust your fixed limit based on changes in credit status and card usage. 2. Temporary quota: a quota proposed by you or raised by the bank on its own initiative and available within a certain period of time.
Regarding annual fees: Most banks now implement a policy of waiving annual fees in the first year and waiving annual fees in the following years after spending a few transactions, except for general platinum cards. For some platinum cards, points can be used to redeem annual fees.
The above is the popularization of basic knowledge about credit cards. I hope it will be helpful for you to further understand credit cards.