Getting a credit card has something to do with buying it after the Chinese New Year.

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

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Frequently asked questions about the use of credit cards

security issue

The security problems of credit cards are mainly divided into the following five aspects:

Credit card: criminals or criminal groups use forged or invalid cards (expired/lost/invalid/damaged tapes, etc.). ) pretending to be a real card, directly deceiving merchants or card issuers.

Cardholder: improper card storage/handling (expired/tape-invalid credit cards are not destroyed, or they are not immediately invalid after being lost, etc. ), and personal identity information is inadvertently stolen or defrauded. In order to avoid such problems, citizens should not easily provide personal identification information, and it is best not to entrust others to handle credit cards.

Consumer merchants: the service personnel swindle the cardholder in the process of consumption, or steal his credit card information to other merchants for consumption. This situation can happen whether it is a physical business or a network virtual business.

Issuer: The computer system has been maliciously invaded, stealing the basic/transaction information of customers. There are also unscrupulous employees who steal from the house, or the evil inside the house.

Trading system and mechanism: as long as it is formulated or handled by human beings, human errors and omissions will inevitably occur; No matter how rigorous the trading mechanism is, with the world-class trading system from confirmation to settlement, it is still possible to be invaded, and the so-called "invasion" is actually divided into levels.

Bad debt problem

The staff of Tianjin Shunda Investment Management Co., Ltd. revealed that as long as they provide ID cards, real estate licenses and work certificates, they can handle several large credit cards with a total amount of 500,000 yuan in the form of "recommendation by the president". Banks that can be "fixed" include China Everbright Bank, Minsheng Bank and Industrial Bank.

According to the statistics of the central bank, by the end of 20 13, the total amount of bad credit cards in China was 2.5192 billion yuan, an increase of 7 1.86% over the end of last year. ?

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