Many office workers will buy a credit card, or more. However, if you don’t pay attention during use, you will have a lot of troubles. Let’s clear up your doubts.

How to apply for a credit card

1. Apply at the bank counter

2. Apply with a card issuing institution authorized by the bank

3. Bank Apply on the official website of the credit card

4. Apply on the bank cooperation platform

What to do after the credit card validity period expires

1. The cardholder continues to use this card , you will receive a new card from the bank. If your address and phone number have been changed, you need to call the credit card center to inform in advance.

2. If you don’t want to use this card, you can cancel it.

Warm reminder:

Do not throw away a card that has expired. The account number of the new card is the same as the old card, and the credit card contains a lot of important information.

Credit card overdue situations:

1. Repeatedly repaying only the minimum payment amount of the credit card, with increasing interest, leading to overdue payment

2. Excessive overdraft The credit card is unable to repay, so it is overdue

3. Malicious overdue

The consequences of an overdue credit card

1. It affects credit reporting and future loans

2. If you fail to repay the debt overdue, the bank will notify your relatives and friends, and there will be a special debt collection agency to collect the debt.

Can I transfer money with a credit card?

Can I transfer money with a credit card? If the overpayment amount is used to transfer, a handling fee of 0.5 of the transfer amount will be charged, with a minimum of RMB 10 and a maximum of RMB 500, with no interest.

Can I deposit money on a credit card?

Paying off more than you need when repaying a credit card or depositing money into a credit card is called overpayment. Overpayment will affect your personal credit report and will There is a handling fee for withdrawing excess payment, which is not worth the gain.