Credit cards can buy things online. When paying online by credit card, you need to bind third-party payment software, such as Alipay and WeChat. When paying later, choose the third-party payment software as the payment method, and then choose the credit card to pay, so that the credit card can complete the payment online.

Credit card online payment is very convenient, but some banks do not accumulate credit card points for online payment.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.

A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.

Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.

The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.

Because the credit card application is approved by post, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened. Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements.

At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card. After accepting a credit card, a credit card merchant or bank shall review the validity of the credit card and the identity of the cardholder.

How to buy things by credit card? Please be more specific. Thank you.

Credit card is a convenient, fast and safe tool to use instead of cash. After you pay for the purchase by credit card, you can choose to return it any day before the last interest-free day after the arrival date. During the period, the consumption is interest-free, and the withdrawal fee and five ten thousandths of interest are charged every day.

When you find it difficult to return things at once, or you just want to use the installment function, you can call the bank or log on to the bank's website to apply for installment. The general period is 3, 6, 9, 12 to 24, and the special stages can last for 3 years.

Extended data

When a cardholder uses a credit card to make a large amount of consumption, the issuing bank will pay the consumption funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and deduct the consumption funds from the cardholder's credit card account in stages according to the cardholder's application, and the cardholder will repay according to the monthly recorded amount.

In the past, credit card installment mainly included bill installment and single consumption installment, and banks usually charged corresponding handling fees according to the number of installments. Whether it is bill installment or single consumption installment, the premise is to generate consumption behavior first, and then the bank will set installment repayment for the generated credit loan.

Baidu encyclopedia-credit card

Can credit cards be used for online shopping?

Credit cards can't buy things directly on Taobao. Your credit card needs to have online payment function.

Buy any goods, choose the baby to buy, and enter the payment page after confirming the order. Click "Credit Card" and select the bank to which the credit card belongs for payment. The purchase process is still the same.

References:

Taobao service center /consumer Service. Taobao. com/ self-help? SPM = a 2 1pu . 8253647 . 0 . 163 e 480d 8 1 uvsn # page = issue-detail knowledge id = 125 165 " target = " _。 "Can I pay by credit card?

Data expansion

Credit card, also known as credit card. It is a non-cash transaction payment method and a simple credit service.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

This concludes the introduction of how to buy a credit card and where to buy it. I wonder if you found the information you need from it?