By the definition of credit card (Credit Card)】
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Credit card commercial banks to individuals and units issued, with special units to shopping, and consumer access to cash from banks, consumer credit has a special card carrier, in the form of a positive bearing the name of the card-issuing bank for a period, the number Name content cardholders, and so on, have a magnetic strip on the back, the signature of the card. By credit card if the card-issuing bank to deposit into imprest credit card, two types of quasi-credit card, credit card-issuing bank is given a certain credit card holders, credit card holders may be within the consumer, after the Repayment of the credit card. Is a quasi-credit card issuing banks to their request to deposit a certain amount of imprest credit card. We are talking about credit cards, generally refers to a single credit card.
The most popular argument is this: When your shopping needs go beyond your capacity to pay, you can borrow money from banks, credit card bank is based on your state of good faith agreed to lend money to your certificate, your credit card will prompt you, you can How much does it cost to the bank, when yet. Credit card will record your personal information, products and details in order to provide you with all-round financial services.
In appearance, the credit card size ID cards, as is generally made of plastic with a special, positive bearing on the specially designed patterns, credit card issuers and the name of the logo, and useful way plane or Braille-printed card number, holder The name, expiration date, and other information; on the back of the card is used for recording information on the magnetic strip for the cardholder's signature and the signature card issuers such as the description.
Consumption is a means of payment is currently second only to cash, the most popular plastic money.
Issued by a bank or proof of the holder in good standing, you can store, or in designated places in the consumer credit certificate account. Ordinary credit card size ID cards, such as the general use made of special plastic, printed on the card holder's name, number, expiration date and so on, are printed in braille. In order to prevent false, in recent years, some credit card bearing the photo card. When customers purchase checkout, simply store credit card to pay by credit card receivables to members on stamping imprint on you, who will be printed in braille in a triple-documents, then the cardholder documents Sign, the store cashier will be signing documents on the credit card with the signature check pattern in line, that is, recognition of consumer billing, cardholders do not have to be able to pay cash to buy the necessary goods. In addition to the credit card business in the special signature card to buy a variety of goods, dining, entertainment, accommodation, but also to the card issuers to designate a certain amount of bank overdraft in cash. Merchant and the receiving bank designated by the cardholder's signature to the bills receivable credit card issuers, credit card issuers sent by check card, the deadline set to pay off. Cardholders to pay, card issuers include the required land overdraft interest payments. If the payment is not due, the penalty would total close.
The origin】 【credit card
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Credit card in 1915 originated in the United States.
The agency issued the first credit card is not a bank, but a number of department stores, restaurants, entertainment and gasoline companies. Some stores in the United States, for the food and beverage outlets to attract customers in the marketing of goods, to increase their turnover, selectively distributed within a certain range of customers similar to a metal emblem credit chips, and later made into a plastic card, as customers buy Certificate of consumer goods, carried out by credit chips in the firm or company or the purchase of petrol station credit services, customers can issue a bargaining chip in these stores and their merchandise credit semicolon, about payments. This is the embryonic form of credit cards.
It is said that one day, the United States in New York businessman Frank McNamara entertain guests at a restaurant dining, dining and found his wallet Daizaishenbian forget, which is deeply embarrassed, had called his wife to bring cash to closing the hotel. McNamara then had a credit card company to create the idea. The spring of 1950, McNamara and his friends invest Cooperation Schneider 10,000 U.S. dollars in New York created the "big club to come" (Diners Club), that is great credit to the company's predecessor. Great for the club to members to provide a proof of identity and ability to pay the card, card members can book their consumption. This is no need for the bank's credit card is still the nature of the credit card business.
In 1952, California, the Franklin National Bank as a financial institution to issue the first credit card bank.
In 1959, the United States of Bank of America in California to issue a Bank of America cards. Since then, many banks joined the ranks of card-issuing bank. By the 1960s, credit card banks will soon be widely welcomed by all sectors of society, and the rapid development of the credit card not only in the United States and the United Kingdom, Japan, Canada and the European countries are also catching on. From the 1970s onwards, Hong Kong, Taiwan, Singapore, Malaysia and other developing countries and regions have begun to issue credit card business.
【What are the classification of credit card? 】
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Many types of credit cards usually can be divided into the following ten standards:
(1) in accordance with the division of credit card issuers, can be divided into non-bank cards and bank cards;
(2) in accordance with the credit card information storage media division, can be divided into magnetic stripe cards and chip card;
(3) According to the settlement of the way, can be divided into: credit card, debit card and quasi credit card;
(4) in accordance with the credit card clearing houses in different currencies, the card can be divided into foreign currency and local currency card;
(5) in accordance with the scope of the circulation of different cards can be divided into international and regional card;
(6) in accordance with the credit card account number currency, the currency can be divided into single-and dual-currency credit card;
(7) in accordance with the credit card affiliation, can mainly cards and card;
(8) in accordance with the target of credit card issuance, card companies and can be divided into individual card;
(9) in accordance with the cardholder credibility and status information, can be divided into infinite cards, platinum cards, gold cards, general cards.
(10) in accordance with the credit cards of different shapes can be divided into standard credit card and credit card shaped.
【Credit cards include the appearance of what? 】
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Credit card generally positive, including the following:
(1) of this type of credit card and a registered trademark of the organization logo design;
(2) credit card or sign a dedicated anti-counterfeiting marks;
(3) the card-issuing bank (or company) to issue the code bank, credit card number, cardholder name Pinyin, expiration date and so on.
On the back of credit cards, there are the following:
(1) a magnetic tape, recorded above the cardholder's account, the amount available for personal information such as passwords;
(2) credit card signature, the signature column, keep up with the end of the 3-digit card number for security certification;
(3) simply stated that the card-issuing bank;
(4) 24-hour customer service hotline.
【Proprietors card with the card attached to any relationship? 】
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Cardholders use the card attached to what happened credit card debt by card holders to bear the main card, card by the cardholder directly to the card issuers or special units carry out debt, principal and vice-card card card card Between the property for more than a total of relationship or mutual understanding, trust between the two gifts, commissioned, paid to bear and so on the agreement, but also determines the main card and attached to the same card account, credit sharing.
In the main, the card attached to the relationship between the cardholder, the cardholder main card in the driver's seat, has the right to decide to increase or vice card, the cardholder is vice-card subsidiary role. If the card was canceled, the vice-card should take the initiative to return the card issuers. The main requirements of Card cardholders stop using the card attached, it should return the card attached to the card issuers, and its outstanding debt, still bear the main card cardholders.
Master Card and the card attached to share the same amount. If the amount of 5,000 yuan, while the main card and the card attached to the total may not add up to more than 5000 yuan.
Chengdu line card to pay for: 13,550,144,320.
【What are the advantages of credit cards? 】
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(1) cardholders do not have to be paid in cash on goods and services, replacing the consumer volume of cash in hand and risk make it easier for the consumer to go shopping, travel and tourism.
(2) can also be used as banks for credit card holders and businesses of the means of customer deposits, advances and charge a certain percentage of the total amount of commission.
(3) the credit card issuing banks, merchants and cardholders, charge d'affaires line closely linked, form the cycle of the chain of debt claims related to this relationship and the establishment and development depend on each other to provide the Credit.
【Credit card can be seen as money? 】
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可以. Credit card can also be known as electronic money, credit cards as to why this money?
(1) First of all, monetary and credit cards are a commodity, and are vectors acted as a special commodity exchange;
(2) credit cards are also involved in circulation;
(3) credit card as a means of payment, is an advanced means of payment;
In view of the above-mentioned features of credit cards, making credit card as a medium of exchange, to a large extent, scope and replace the cash flow of cash into the so-called free society, so people just look at it as a new note after the currency.
【Credit and monetary What is the difference? 】
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Although the monetary and credit cards are closely linked, but there is, after all, the essence of the difference between:
(1) First of all, the money is to act as a medium of exchange equivalent to the general, the measure of value function is the most basic functions of the currency, and credit card is different, it is not equivalent, there is no measure of value, but only a means of value transfer, is the carrier of the currency ;
(2) Second, as the liquidity, currency and commodities in the buying and selling between those who campaign for transposition, and credit cards are always a part of the masters of the media as a commodity to complete the transaction, the value of the transfer, credit card did not transfer , It is still the currency of the media and the transposition of the movement of goods;
(3) again, is an advanced credit card payment, which is the monetary means to pay for the expansion and extension of the limitations of monetary breakthrough may be in one place or many places for its holder to complete the transaction, May be within the bank credit line to a greater or lesser amount of money in exchange for cardholders to pay the required goods and services. In the same card services, it means the currency of payment in time and space has expanded significantly;
(4) Finally, the layout of the card have the means to store it for customer service, enforced by a mere role of passbook savings;
(5), it will not become the world's currency. Although the credit card to break the frontiers in the international community widely used, but it does not have a measure of value, it is still the transfer of currency, the currency in the implementation of its functions, the currency of the world continues to be a means of payment.
【Credit card with cash, check What's the difference? 】
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This credit card payment has become widespread in many countries in the economic indispensable means of exchange, compared with cash and checks, it is able to provide consumers and businesses, bringing more convenience to fully reflect the credit cards Superiority.
(1) cash in terms of size, weight or amount, the more cash than credit cards thick, complex;
(2) easy to steal cash, but also difficult to recover;
(3) check their own shortcomings. First, check this is not easy to carry, and the other is difficult to check the use of cross-regional, mainly to guard against the risk of bad checks. Check guarantee services only partially to guard against the risk of bad checks, and the high cost of security, usually 1% -2.2%, with a high degree of risk of the drawer even have to pay as much as 5% of the guarantee fee;
(4) to promote the use of a credit card order, phone orders and on-line shopping and so on the way. Credit card appear before the people must be made in the list after completing the purchase of goods and mail it along with check out this extremely time-consuming. Through credit card transactions can greatly save time and improve transaction efficiency.
【And credit card bills What is the difference? 】
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(1) credit card is a commodity, is a special kind of financial products, which use the money to buy, and the instruments are not commodities;
(2) as a payment instrument, in a role to play, subject to time and space, limit the amount and beneficiaries of a certain period of time specified by the beneficiary to determine in advance of any case where an amount of the notes to Draw. The credit card is to abandon the limitations of the instruments it bills as not only has a one-time use, but can be used many times, in different places and different businesses to pay many times that amount is not fixed, the beneficiary can be Many different people, it notes the significant features of the development;
(3) Notes as a credit tool, only pay when a useful purpose and is not only a credit card payment, clearing tools, but also the role of consumer credit, any instrument, do not have the money.
Key Bank of China, you know what the development of the card? 】
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In October 1979, the Bank of China branch in Guangdong Province and Hong Kong Bank of East Asia, has signed its charge d'affaires, "the United States and East VISA credit card," the agreement, the U.S. charge d'affaires East business cards are taken. Since then, the credit card in China.
In June 1985, the Zhuhai branch of Bank of China issued China's first credit card - Silver, marking the birth of China's credit card.
In February 1987, the Bank of China branch in Zhuhai in the domestic ATM services launch of the first, breaking the domestic bank must deposit the traditional approach.
In March 1987, the Bank of China's accession to MasterCard International, the organization became the first member. International organizations began to pay into the Chinese card market in June 1988, the Bank of China Great Wall MasterCard to issue foreign exchange (international card), the card can be more than 200 countries and regions, more than 1,000 businesses use credit cards to start the real China to the world.
In 1993, the General Secretary Jiang Zemin put forward to the implementation of the joint development of the bank card as the goal of the "Golden Card Project" in order to improve the card with the environment, the realization of shared equipment, shared resources and market share.
October 30, 1997 by the People's Bank of China and was launched by the Industrial and Commercial Bank, Agricultural Bank of China, Bank of China, Construction Bank, Bank of Communications, China Merchants Bank, Pudong Development Bank, Guangdong Development Bank, Shenzhen Development Bank, co-Chu Huiju Post Bank cards to participate in the Information Exchange Center was formally established in Beijing.
December 24, 1998, the bank card information exchange center to run the system formally put into operation.
March 26, 1999, led by the People's Bank of China, Industrial and Commercial Bank, Agricultural Bank of China, Bank of China, Construction Bank, Bank of Communications, China Merchants Bank, CITIC Industrial Bank, Guangdong Development Bank, Shenzhen Development Bank, China Everbright Bank, Minsheng Bank, Fujian Industrial Bank Part of the CFCA (China Financial Certification Authority) officially launched the project.
In July 1999, the first intermediary with the nature of the personal credit information company - Shanghai Credit Co., Ltd. in Shanghai. July 1, 2000, Shanghai launched the "joint personal credit information system".
June 29, 2000, CFCA officially running.
Jan 10, 2002, the first batch of UnionPay cards in Beijing, Shanghai, Guangzhou, Shenzhen, Hangzhou, the five major cities to launch.
March 26, 2002, China UnionPay Co., Ltd. was formally established in Shanghai Pudong.
May 17, 2002, the Industrial and Commercial Bank of China Peony Card Center was officially established in Beijing.
June 25, 2002, the Bank's MasterCard officially become members of international organizations.
In November 2002, the Bank MasterCard with international organizations to exchange information into wild card interface. The establishment of the interface means that there will be more and more businesses are able to accept Bank MasterCard card consumption.
In December 2002, the bank card networking general "314" objectives have been achieved, and the vast majority of card-issuing commercial banks with different trading systems have achieved a success rate of 80% over the completion of the task; in 100 cities in the average city Cross-trading success rate of 75%; in promoting the "Bank" identity card in the city, the commercial banks have completed the transformation and standardization of cross-business and opening up different places, the realization of the "UnionPay" in those cities identification card And cross-General of the Inter-City.
By the end of June 2003, China had 91 card-issuing financial institutions in recent 600,000,000 of the total amount of credit card issuers, 544,000,000 debit card, credit card 24,990,000; bank card account balance of RMB deposits reached 994,100,000,000 yuan; can The receiving bank card shops, hotels, restaurants, and other merchants around 200,000; financial institutions of automated teller machines equipped with a total of 53,000 units, point-of-sale terminals 310,000 Taiwan; the admissibility of the national bank card network of e-business development to 14 10,000. In the first half of 2003, bank card transactions amounted to 7,570,000,000,000 yuan, of which the amount of consumer shopping 132,100,000,000 yuan, transfer the amount of transactions was 1.7 trillion yuan, access to cash 5,740,000,000,000 yuan.
December 31, 2003, Citigroup, HSBC was approved by China Banking Regulatory Commission, in the Mainland to issue dual-currency credit card. Foreign banks enter the Chinese bank card to take the first step in the market.
Jan 18, 2004 and September 8, China UnionPay cards in Hong Kong and Macao region accepted.
Jan 10, 2005, the official opening of China Union Pay Bank Card, Thailand, South Korea and Singapore, automated teller machines (ATM) and businesses accept POS business, which means that the UnionPay card, following in Hong Kong and Macao region accepted , For the first time in the true sense go out of the country.
【Credit for income-generating bank? 】
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Some banks have been the high amount of interest-free period or shocked that the credit card is almost a "public good" cause, in fact, credit card banks in the traditional industries in the most lucrative profits of a cake. Income from credit card business:
(1) annual fee (currently operating concept of advanced banks have to give up a piece of it, this is the practice with international practice)
(2) interest rate cycle (18% per annum more than any other business can not be placed on a par with them)
(3) credit card fees, although the price paid by customers, but businesses are required to pay a fee to the issuer, to close one-way and clearing organizations (one-way closed collection), which is a major credit card issuers revenue.
【Credit card operation of the process is kind of how? 】
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Its processes are as follows:
(1) cardholders use the card and sign the consumer to purchase single-sign
(2) business card to provide goods or services.
(3) business card-issuing bank to submit to sign a single purchase.
(4) to the business card-issuing bank for payment.
(5) to the card-issuing bank card payment made.
(6) cardholder to the card-issuing bank to return the loan.
【The receiving bank card business for the special What will this mean? 】
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In the day-to-day life, their bank cards convenient, safe, fast and the characteristics of more and more consumers, the people have gradually got used to using bank cards for consumption and at the same time a growing number of stores have to accept bank Card to pay the settlement as an important way. According to statistics, as of the end of 2004, China has issued 800,000,000 bank cards, bank cards to accept the special business reached 340,000. The receiving bank card business for the special What will this mean? There are the following:
(1) to facilitate consumer shopping and spending to stimulate the procurement of large and impulsive shopping, increasing the number of businesses in sales. The use of bank cards for consumption, consumers can avoid carrying large amounts of cash and bank card consumption due to the settlement process, not the concept of in-kind to pay cash, consumers are often prone to impulsive shopping and the desire to shop and spend money arbitrary. Statistics also show that the use of bank card transactions, the average consumption amount is higher than that of the use of cash transactions, the average amount of consumption, which greatly increased the sales volume of business and sales.
(2) cash than the safety, health, but also reduce the customer from the cashier → → → banking business accounting aspects of the cash inventory. Cash in the business process often required to identify counterfeit money, collected after the need for money for inventory, custody, in the business end of the day will be needed to transport cash to banks, during which security has always been the needs of businesses in the face , Through the receiving bank to avoid a cash card is brought about by these security issues. At the same time, we all know, cash in circulation is inevitable in the process of being addicted to the various types of bacteria and viruses, to the cashier and consumer health threat, and the receiving bank cards can be effective in reducing the spread of bacteria and viruses an opportunity to create A safe and healthy consumption environment.
(3) increased transaction processing speed, speed up the business efficiency in the use of funds. The receiving bank card business, not only in consumption when clearing transactions faster, and the amount recorded in a timely manner, clear accounts to facilitate the movement of businesses in the capital, increased business efficiency in the use of funds.
(4) to attract more consumers. As a result, many consumers have been accustomed to the use of bank cards for consumer, commercial tenants to accept bank card transactions can be made available to consumers more choice and convenience to attract more new consumer groups, but also to enhance the image of the business. If accepted by the international business start-up business cards, but also to accept a similar Visa (VISA), MasterCard (MASTERCARD) card and other international organizations, international cards, so as to attract more foreign tourists. At present, there are a variety of non-traditional trade channels, such as telephone, mobile phone, fax, Internet shopping and so on the way, making homes more consumers will enjoy a variety of business services.
(5) to help businesses compete in the market in the establishment of dominant position. Through the receiving bank cards, businesses are able to collect relevant data to consumers through data analysis, research, we could have targeted the customer service plan, various forms of promotional activities, and other sectors of the business alliance to conduct joint Marketing, making business in the fierce market competition to build and strengthen the dominant position, and establish a good corporate image.
【Credit card, debit card and the difference between an ordinary bank card】
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Credit card debit cards are bank cards belonging to the scope of
Credit card commercial banks to individuals and units issued, with special units to shopping, and consumer access to cash from banks, consumer credit has a special card carrier, in the form of a positive bearing the name of the card-issuing bank for a period, the number Name content cardholders, and so on, have a magnetic strip on the back, the signature of the card. We are talking about credit cards, generally refers to a single credit card.
Debit card is the commercial banks to individuals and units to issue the card in the memory card into cash, the card can handle consumption, out of cash, transfer, and other financial services.
Generally speaking:
Cary can not afford credit card, consumer first, and then a certain period of time the money back to the bank. Xian Baqian debit card is deposited Cary, then the consumer card.
【International credit card organizations】
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Mainly in the international Visa International (VISA International) and MasterCard International (MasterCard International) and two American Express International, Inc. (America Express), Diners Limited (Diners Club), JCB Japan International credit card company (JCB), three professional credit card company. In all regions there are some areas of the credit card organizations, such as the European EUROPAY, Bank of China, Taiwan, a joint credit card center and so on.
Visa International (VISA INTERNATIONAL) is the world's largest organizations, traveler's checks and credit cards. Visa International is the successor in 1900 to set up the Bank of America credit card company. In 1974, Bank of America credit card companies and Western commercial banks to set up an international credit card services company in 1977 and was officially changed to Visa (VISA) international organizations, a global organization of a joint credit card. Visa International has a VISA, ELECTRON, INTERLINK, PLUS and VISA CASH brands such as trademarks. Visa International is not directly involved in card issuing, VISA credit card brand is to participate in Visa International's members (mainly banks) issued. At present, its members about 22,000, issuing more than 1,000,000,000, more than one million more than 2000 business, networking ATM machine about 66 million units.
MasterCard International (MasterCard INTERNATIONAL) is the world's second-largest international credit card organizations. In 1966, California has set up some of the bank card association (Interbank Card Association), and in 1970 the opening of Master Charge of the name and logo, the reunification of the member banks to issue credit card name and design, once again in 1978 changed its name to the current MasterCard . MasterCard International has a MasterCard, Maestro, Mondex, Cirrus brands, such as trademarks. MasterCard International is not in itself a direct credit card issuers, MasterCard-branded credit card from MasterCard to participate in international organizations, financial institutions, members of the issue. At present, its members about 20,000, with more than 10,000 over 2100 shops and ATM machines.
Key to the credit card applicant has any good? 】
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On the credit card applicants, the greatest advantage is to save time, banks need to know a lot of information in your credit report, so no longer has to spend so much time to investigate, to verify your loan application form to fill information The authenticity. Therefore, the credit is the first benefit to you to save time and help you more quickly get the confidence of the banks.
As the saying goes, "Well, by good also, it is not difficult to take." If your credit report is a reflection of your payments on time, serious performance, the bank like you sure will not only be able to provide loans such as credit card services, but also in the amount of the interest rate on these concessions.
If your credit report records also do not have to borrow money, the banks in considering whether to loan you must be treated carefully. The bank may allow you to provide collateral security, or reduce the amount of loans, or loans to raise interest rates, or refuse to give you the loan. If the credit report reflects that you have to take a lot of money, the banks will be very careful, you worry too difficult to bear the liability may refuse to give you the loan. This reminds you to treasure their credit record, feel their own credit accumulation of wealth. Fair credit. On the credit you have a big advantage to help you get more equitable access to credit. Credit available to the central bank of your credit history is an objective record, "Let the facts speak", a decrease of Xindai Yuan subjective feelings, emotional factors such as your credit card to apply for the results, so you get a fairer credit Opportunities.
In fact, is a credit card ahead of time consumption, but how kind of reasonable application of the conditions for us to create better efficiency, it has become a lot of credit card users a means of financing. That cash is used.
Key conditions for credit card applications? 】
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Main credit card if the applicant is required to residents age 18 to 60 years of age, if it is to be outside of the age of 25 to 60 years of age; card applicants were required to card-based parent, spouse or child ( In the age of 18 years and above). To apply for credit cards over the contents of the most basic conditions. However, in line with the above conditions were not necessarily able to apply for credit cards.
Strictly speaking different conditions apply for bank credit cards belonging to the bank's confidential, as soon as the bank released its own eligibility criteria based on the conditions it was definitely caused by false credit rating is no longer accurate. In general, as long as you have stable jobs and good income can try to apply for credit cards.
【Credit cycle is how going on? 】
Credit cycle is actually a conditional delay the return of the loan. As long as you are on the minimum payment, the remaining amount owed by the following can be returned for another, can also be added during the loan does not exceed the credit limit. The next issue can be handled in such a manner. So long as you ensure that each phase of the return of the minimum repayment, the loan will be able to have been due to go on, so called the credit cycle. Credit cycle is not like some people understand the roller-li-li, although interest-bearing compound interest is accrued on a monthly basis, due to the actual repayment will definitely higher than the minimum on interest rates, so the actual generation of compound interest is very small, the actual use can be ignored .
【What is a quasi-credit card? 】
English is the quasi-credit card: SemiCreditcard, is the first card by card-issuing bank to deposit a certain amount of the request imprest, when the imprest account balance to pay less, can be provided for Credit card-issuing bank overdraft in the amount of credit card . Quasi-credit card deposit of funds is of interest, the interest rate the central bank in accordance with the provisions of the implementation of the current interest rates. No quasi-credit card interest-free period, as long as the use of consumer credit is necessary to mention or interest-bearing, an interest rate of five ten thousandths. Quasi-overdraft amount is based on the credit card you apply for credit cards provide the information to determine the general wage is 1 to 2 times.
【How to identify true and false credit cards? 】
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As the credit card has its unique convenient, very rapid development of the credit card. Currently, there are some people have been found with counterfeit credit card crime in an attempt to obtain money from other people. How to identify true and false credit cards, cardholders has become a particularly special unit essential skills.
First, look at the film of plastic. Card really smooth, easy off color, the film has anti-counterfeiting marks; Weika rough surface, the color off easy, no negatives general security features. The second is to see print. True color card sharp, clear words, card check neat stripes; Weika fuzzy words, colors have been shallow or deep, irregular stripe card, as posted on white card. Third, look at the signature column. I have to repeat card issuers, Inc.; Weika's no trademark, that all-white or altered signs and signatures are not fluent. The fourth is to see imprint. Card number really neat and orderly capital letters of the alphabet; Weika embossed with the letters of the alphabet, or irregular sizes are different, which altered the old card number on the card face looming.
Mastered these on to distinguish between genuine and fake credit cards basically.
Key on-the-job income to prove】
I certify that the (ID number:) I was flat on-the-job staff, as a unit in my office, the office, the annual income of 10,000 yuan.
Would like to prove!
(Note: This only proves XX bank credit card application purposes, not for security!)
Contact:
Unit Tel:
Date: date
We can apply directly to the table to prove that issued the credit card unit of work to prove.
8 to apply for credit cards when a powerful proof of financial resources!
Banks in general, through the applicant's financial resources prove to assess his qualifications, in order to determine his available credit limit, generally speaking, there are highly educated, fixed and stable, high-income groups have access to high-limit credit card.
This article introduces you to eight hours to apply for credit cards can be used to prove the material.
1.'s Own copy of the proof of real estate
2. Wages on behalf of the bank passbook / copy of the bill (to be revealed in the last three months salary recorded information)
3. Bank on a regular basis, demand deposits, single / copies of the books
4. In the last three months of duty-paid proof copy of the personal income tax
5 Social Security withholding copies of the certificate
6. Government agencies, enterprises issued in the last three months of formal proof of income or payroll (to be placing a company or sector Chapter Chapter)
7. Funds, treasury bonds, enterprise bonds to buy a copy of a certificate (required to display the name of the purchaser, account number and account balance)
8. Other high amount of bank credit cards, membership cards, bank copy of the high-end
Article from: http://kayouwang.com/yuanchuang/20080713-1.html
【Annual fee-free policy, "" What does it mean? 】
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At present, some kind of card is free of charge for the first year, the first year in the 6th card (generally, but also to limit the amount of credit cards, such as the brush in the first year of 1,000 yuan or above), the second annual cost-free.
Annual fee "in" refers to the cycle, that is, your card is valid after the starting date of 12 months.
If you card is valid from June 2008 to start, then "in the first year annual fee-free", referring in June 2008 to June 2009 "in the first year" is no need to pay the annual fee. At the same time, in June 2008 to June 2009, you have to brush over 6 times, so as not to be in the next cycle of annual fee.
The "year" and the calendar is different, would not say Jun 2008, which came into effect to the card in January 2009 on the land you a new one-year annual fee, you can rest assured that the use of cards to open!
PS. Master card, credit cards were to brush the 6th!
【Household credit card marketing methods】
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Credit card sales are households do not intend to continue to use your credit card cases must be done and if households do not sell, the banks will be in charge of credit card annual fee.
Not in the cards overdrafts, at any time can apply for household sales.
If your card has not expired, the need to apply, certainly every other day to sell the bank for households;
If the card has been valid, and the account balance to zero, then directly to a designated bank branches for sales procedures households.
Off households should carry valid identity documents original card, if I sell is not convenient for households procedures, others can charge d'affaires. Agent is required to hold a client (himself) to write the letter, to carry identity documents Original effective sales charge d'affaires family business.
When farmers sell credit card if your card has not expired, and some provisions of the bank, need to apply for admission to a specific network card business, separated after a certain period of time (up to 30 days) for another formal procedures for household sales. This is mainly because sales in the household before the cardholder if the pressure card transactions done by hand, sales in the family business when the pressure will not pay a single card to bank accounts, the cardholder had Jingxiao Hu, so the bank will not be able to normal Liquidation; on the other hand, if the card is taken or consumption abroad, may be a few days after the liquidation, if sales do an immediate families, will also affect the bank's normal liquidation.
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Credit card commercial banks to individuals and units issued, with special units to shopping, and consumer access to cash from banks, consumer credit has a special card carrier, in the form of a positive bearing the name of the card-issuing bank for a period, the number Name content cardholders, and so on, have a magnetic strip on the back, the signature of the card. By credit card if the card-issuing bank to deposit into imprest credit card, two types of quasi-credit card, credit card-issuing bank is given a certain credit card holders, credit card holders may be within the consumer, after the Repayment of the credit card. Is a quasi-credit card issuing banks to their request to deposit a certain amount of imprest credit card. We are talking about credit cards, generally refers to a single credit card.
The most popular argument is this: When your shopping needs go beyond your capacity to pay, you can borrow money from banks, credit card bank is based on your state of good faith agreed to lend money to your certificate, your credit card will prompt you, you can How much does it cost to the bank, when yet. Credit card will record your personal information, products and details in order to provide you with all-round financial services.
In appearance, the credit card size ID cards, as is generally made of plastic with a special, positive bearing on the specially designed patterns, credit card issuers and the name of the logo, and useful way plane or Braille-printed card number, holder The name, expiration date, and other information; on the back of the card is used for recording information on the magnetic strip for the cardholder's signature and the signature card issuers such as the description.
Consumption is a means of payment is currently second only to cash, the most popular plastic money.
Issued by a bank or proof of the holder in good standing, you can store, or in designated places in the consumer credit certificate account. Ordinary credit card size ID cards, such as the general use made of special plastic, printed on the card holder's name, number, expiration date and so on, are printed in braille. In order to prevent false, in recent years, some credit card bearing the photo card. When customers purchase checkout, simply store credit card to pay by credit card receivables to members on stamping imprint on you, who will be printed in braille in a triple-documents, then the cardholder documents Sign, the store cashier will be signing documents on the credit card with the signature check pattern in line, that is, recognition of consumer billing, cardholders do not have to be able to pay cash to buy the necessary goods. In addition to the credit card business in the special signature card to buy a variety of goods, dining, entertainment, accommodation, but also to the card issuers to designate a certain amount of bank overdraft in cash. Merchant and the receiving bank designated by the cardholder's signature to the bills receivable credit card issuers, credit card issuers sent by check card, the deadline set to pay off. Cardholders to pay, card issuers include the required land overdraft interest payments. If the payment is not due, the penalty would total close.
The origin】 【credit card
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Credit card in 1915 originated in the United States.
The agency issued the first credit card is not a bank, but a number of department stores, restaurants, entertainment and gasoline companies. Some stores in the United States, for the food and beverage outlets to attract customers in the marketing of goods, to increase their turnover, selectively distributed within a certain range of customers similar to a metal emblem credit chips, and later made into a plastic card, as customers buy Certificate of consumer goods, carried out by credit chips in the firm or company or the purchase of petrol station credit services, customers can issue a bargaining chip in these stores and their merchandise credit semicolon, about payments. This is the embryonic form of credit cards.
It is said that one day, the United States in New York businessman Frank McNamara entertain guests at a restaurant dining, dining and found his wallet Daizaishenbian forget, which is deeply embarrassed, had called his wife to bring cash to closing the hotel. McNamara then had a credit card company to create the idea. The spring of 1950, McNamara and his friends invest Cooperation Schneider 10,000 U.S. dollars in New York created the "big club to come" (Diners Club), that is great credit to the company's predecessor. Great for the club to members to provide a proof of identity and ability to pay the card, card members can book their consumption. This is no need for the bank's credit card is still the nature of the credit card business.
In 1952, California, the Franklin National Bank as a financial institution to issue the first credit card bank.
In 1959, the United States of Bank of America in California to issue a Bank of America cards. Since then, many banks joined the ranks of card-issuing bank. By the 1960s, credit card banks will soon be widely welcomed by all sectors of society, and the rapid development of the credit card not only in the United States and the United Kingdom, Japan, Canada and the European countries are also catching on. From the 1970s onwards, Hong Kong, Taiwan, Singapore, Malaysia and other developing countries and regions have begun to issue credit card business.
【What are the classification of credit card? 】
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Many types of credit cards usually can be divided into the following ten standards:
(1) in accordance with the division of credit card issuers, can be divided into non-bank cards and bank cards;
(2) in accordance with the credit card information storage media division, can be divided into magnetic stripe cards and chip card;
(3) According to the settlement of the way, can be divided into: credit card, debit card and quasi credit card;
(4) in accordance with the credit card clearing houses in different currencies, the card can be divided into foreign currency and local currency card;
(5) in accordance with the scope of the circulation of different cards can be divided into international and regional card;
(6) in accordance with the credit card account number currency, the currency can be divided into single-and dual-currency credit card;
(7) in accordance with the credit card affiliation, can mainly cards and card;
(8) in accordance with the target of credit card issuance, card companies and can be divided into individual card;
(9) in accordance with the cardholder credibility and status information, can be divided into infinite cards, platinum cards, gold cards, general cards.
(10) in accordance with the credit cards of different shapes can be divided into standard credit card and credit card shaped.
【Credit cards include the appearance of what? 】
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Credit card generally positive, including the following:
(1) of this type of credit card and a registered trademark of the organization logo design;
(2) credit card or sign a dedicated anti-counterfeiting marks;
(3) the card-issuing bank (or company) to issue the code bank, credit card number, cardholder name Pinyin, expiration date and so on.
On the back of credit cards, there are the following:
(1) a magnetic tape, recorded above the cardholder's account, the amount available for personal information such as passwords;
(2) credit card signature, the signature column, keep up with the end of the 3-digit card number for security certification;
(3) simply stated that the card-issuing bank;
(4) 24-hour customer service hotline.
【Proprietors card with the card attached to any relationship? 】
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Cardholders use the card attached to what happened credit card debt by card holders to bear the main card, card by the cardholder directly to the card issuers or special units carry out debt, principal and vice-card card card card Between the property for more than a total of relationship or mutual understanding, trust between the two gifts, commissioned, paid to bear and so on the agreement, but also determines the main card and attached to the same card account, credit sharing.
In the main, the card attached to the relationship between the cardholder, the cardholder main card in the driver's seat, has the right to decide to increase or vice card, the cardholder is vice-card subsidiary role. If the card was canceled, the vice-card should take the initiative to return the card issuers. The main requirements of Card cardholders stop using the card attached, it should return the card attached to the card issuers, and its outstanding debt, still bear the main card cardholders.
Master Card and the card attached to share the same amount. If the amount of 5,000 yuan, while the main card and the card attached to the total may not add up to more than 5000 yuan.
Chengdu line card to pay for: 13,550,144,320.
【What are the advantages of credit cards? 】
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(1) cardholders do not have to be paid in cash on goods and services, replacing the consumer volume of cash in hand and risk make it easier for the consumer to go shopping, travel and tourism.
(2) can also be used as banks for credit card holders and businesses of the means of customer deposits, advances and charge a certain percentage of the total amount of commission.
(3) the credit card issuing banks, merchants and cardholders, charge d'affaires line closely linked, form the cycle of the chain of debt claims related to this relationship and the establishment and development depend on each other to provide the Credit.
【Credit card can be seen as money? 】
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可以. Credit card can also be known as electronic money, credit cards as to why this money?
(1) First of all, monetary and credit cards are a commodity, and are vectors acted as a special commodity exchange;
(2) credit cards are also involved in circulation;
(3) credit card as a means of payment, is an advanced means of payment;
In view of the above-mentioned features of credit cards, making credit card as a medium of exchange, to a large extent, scope and replace the cash flow of cash into the so-called free society, so people just look at it as a new note after the currency.
【Credit and monetary What is the difference? 】
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Although the monetary and credit cards are closely linked, but there is, after all, the essence of the difference between:
(1) First of all, the money is to act as a medium of exchange equivalent to the general, the measure of value function is the most basic functions of the currency, and credit card is different, it is not equivalent, there is no measure of value, but only a means of value transfer, is the carrier of the currency ;
(2) Second, as the liquidity, currency and commodities in the buying and selling between those who campaign for transposition, and credit cards are always a part of the masters of the media as a commodity to complete the transaction, the value of the transfer, credit card did not transfer , It is still the currency of the media and the transposition of the movement of goods;
(3) again, is an advanced credit card payment, which is the monetary means to pay for the expansion and extension of the limitations of monetary breakthrough may be in one place or many places for its holder to complete the transaction, May be within the bank credit line to a greater or lesser amount of money in exchange for cardholders to pay the required goods and services. In the same card services, it means the currency of payment in time and space has expanded significantly;
(4) Finally, the layout of the card have the means to store it for customer service, enforced by a mere role of passbook savings;
(5), it will not become the world's currency. Although the credit card to break the frontiers in the international community widely used, but it does not have a measure of value, it is still the transfer of currency, the currency in the implementation of its functions, the currency of the world continues to be a means of payment.
【Credit card with cash, check What's the difference? 】
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This credit card payment has become widespread in many countries in the economic indispensable means of exchange, compared with cash and checks, it is able to provide consumers and businesses, bringing more convenience to fully reflect the credit cards Superiority.
(1) cash in terms of size, weight or amount, the more cash than credit cards thick, complex;
(2) easy to steal cash, but also difficult to recover;
(3) check their own shortcomings. First, check this is not easy to carry, and the other is difficult to check the use of cross-regional, mainly to guard against the risk of bad checks. Check guarantee services only partially to guard against the risk of bad checks, and the high cost of security, usually 1% -2.2%, with a high degree of risk of the drawer even have to pay as much as 5% of the guarantee fee;
(4) to promote the use of a credit card order, phone orders and on-line shopping and so on the way. Credit card appear before the people must be made in the list after completing the purchase of goods and mail it along with check out this extremely time-consuming. Through credit card transactions can greatly save time and improve transaction efficiency.
【And credit card bills What is the difference? 】
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(1) credit card is a commodity, is a special kind of financial products, which use the money to buy, and the instruments are not commodities;
(2) as a payment instrument, in a role to play, subject to time and space, limit the amount and beneficiaries of a certain period of time specified by the beneficiary to determine in advance of any case where an amount of the notes to Draw. The credit card is to abandon the limitations of the instruments it bills as not only has a one-time use, but can be used many times, in different places and different businesses to pay many times that amount is not fixed, the beneficiary can be Many different people, it notes the significant features of the development;
(3) Notes as a credit tool, only pay when a useful purpose and is not only a credit card payment, clearing tools, but also the role of consumer credit, any instrument, do not have the money.
Key Bank of China, you know what the development of the card? 】
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In October 1979, the Bank of China branch in Guangdong Province and Hong Kong Bank of East Asia, has signed its charge d'affaires, "the United States and East VISA credit card," the agreement, the U.S. charge d'affaires East business cards are taken. Since then, the credit card in China.
In June 1985, the Zhuhai branch of Bank of China issued China's first credit card - Silver, marking the birth of China's credit card.
In February 1987, the Bank of China branch in Zhuhai in the domestic ATM services launch of the first, breaking the domestic bank must deposit the traditional approach.
In March 1987, the Bank of China's accession to MasterCard International, the organization became the first member. International organizations began to pay into the Chinese card market in June 1988, the Bank of China Great Wall MasterCard to issue foreign exchange (international card), the card can be more than 200 countries and regions, more than 1,000 businesses use credit cards to start the real China to the world.
In 1993, the General Secretary Jiang Zemin put forward to the implementation of the joint development of the bank card as the goal of the "Golden Card Project" in order to improve the card with the environment, the realization of shared equipment, shared resources and market share.
October 30, 1997 by the People's Bank of China and was launched by the Industrial and Commercial Bank, Agricultural Bank of China, Bank of China, Construction Bank, Bank of Communications, China Merchants Bank, Pudong Development Bank, Guangdong Development Bank, Shenzhen Development Bank, co-Chu Huiju Post Bank cards to participate in the Information Exchange Center was formally established in Beijing.
December 24, 1998, the bank card information exchange center to run the system formally put into operation.
March 26, 1999, led by the People's Bank of China, Industrial and Commercial Bank, Agricultural Bank of China, Bank of China, Construction Bank, Bank of Communications, China Merchants Bank, CITIC Industrial Bank, Guangdong Development Bank, Shenzhen Development Bank, China Everbright Bank, Minsheng Bank, Fujian Industrial Bank Part of the CFCA (China Financial Certification Authority) officially launched the project.
In July 1999, the first intermediary with the nature of the personal credit information company - Shanghai Credit Co., Ltd. in Shanghai. July 1, 2000, Shanghai launched the "joint personal credit information system".
June 29, 2000, CFCA officially running.
Jan 10, 2002, the first batch of UnionPay cards in Beijing, Shanghai, Guangzhou, Shenzhen, Hangzhou, the five major cities to launch.
March 26, 2002, China UnionPay Co., Ltd. was formally established in Shanghai Pudong.
May 17, 2002, the Industrial and Commercial Bank of China Peony Card Center was officially established in Beijing.
June 25, 2002, the Bank's MasterCard officially become members of international organizations.
In November 2002, the Bank MasterCard with international organizations to exchange information into wild card interface. The establishment of the interface means that there will be more and more businesses are able to accept Bank MasterCard card consumption.
In December 2002, the bank card networking general "314" objectives have been achieved, and the vast majority of card-issuing commercial banks with different trading systems have achieved a success rate of 80% over the completion of the task; in 100 cities in the average city Cross-trading success rate of 75%; in promoting the "Bank" identity card in the city, the commercial banks have completed the transformation and standardization of cross-business and opening up different places, the realization of the "UnionPay" in those cities identification card And cross-General of the Inter-City.
By the end of June 2003, China had 91 card-issuing financial institutions in recent 600,000,000 of the total amount of credit card issuers, 544,000,000 debit card, credit card 24,990,000; bank card account balance of RMB deposits reached 994,100,000,000 yuan; can The receiving bank card shops, hotels, restaurants, and other merchants around 200,000; financial institutions of automated teller machines equipped with a total of 53,000 units, point-of-sale terminals 310,000 Taiwan; the admissibility of the national bank card network of e-business development to 14 10,000. In the first half of 2003, bank card transactions amounted to 7,570,000,000,000 yuan, of which the amount of consumer shopping 132,100,000,000 yuan, transfer the amount of transactions was 1.7 trillion yuan, access to cash 5,740,000,000,000 yuan.
December 31, 2003, Citigroup, HSBC was approved by China Banking Regulatory Commission, in the Mainland to issue dual-currency credit card. Foreign banks enter the Chinese bank card to take the first step in the market.
Jan 18, 2004 and September 8, China UnionPay cards in Hong Kong and Macao region accepted.
Jan 10, 2005, the official opening of China Union Pay Bank Card, Thailand, South Korea and Singapore, automated teller machines (ATM) and businesses accept POS business, which means that the UnionPay card, following in Hong Kong and Macao region accepted , For the first time in the true sense go out of the country.
【Credit for income-generating bank? 】
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Some banks have been the high amount of interest-free period or shocked that the credit card is almost a "public good" cause, in fact, credit card banks in the traditional industries in the most lucrative profits of a cake. Income from credit card business:
(1) annual fee (currently operating concept of advanced banks have to give up a piece of it, this is the practice with international practice)
(2) interest rate cycle (18% per annum more than any other business can not be placed on a par with them)
(3) credit card fees, although the price paid by customers, but businesses are required to pay a fee to the issuer, to close one-way and clearing organizations (one-way closed collection), which is a major credit card issuers revenue.
【Credit card operation of the process is kind of how? 】
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Its processes are as follows:
(1) cardholders use the card and sign the consumer to purchase single-sign
(2) business card to provide goods or services.
(3) business card-issuing bank to submit to sign a single purchase.
(4) to the business card-issuing bank for payment.
(5) to the card-issuing bank card payment made.
(6) cardholder to the card-issuing bank to return the loan.
【The receiving bank card business for the special What will this mean? 】
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In the day-to-day life, their bank cards convenient, safe, fast and the characteristics of more and more consumers, the people have gradually got used to using bank cards for consumption and at the same time a growing number of stores have to accept bank Card to pay the settlement as an important way. According to statistics, as of the end of 2004, China has issued 800,000,000 bank cards, bank cards to accept the special business reached 340,000. The receiving bank card business for the special What will this mean? There are the following:
(1) to facilitate consumer shopping and spending to stimulate the procurement of large and impulsive shopping, increasing the number of businesses in sales. The use of bank cards for consumption, consumers can avoid carrying large amounts of cash and bank card consumption due to the settlement process, not the concept of in-kind to pay cash, consumers are often prone to impulsive shopping and the desire to shop and spend money arbitrary. Statistics also show that the use of bank card transactions, the average consumption amount is higher than that of the use of cash transactions, the average amount of consumption, which greatly increased the sales volume of business and sales.
(2) cash than the safety, health, but also reduce the customer from the cashier → → → banking business accounting aspects of the cash inventory. Cash in the business process often required to identify counterfeit money, collected after the need for money for inventory, custody, in the business end of the day will be needed to transport cash to banks, during which security has always been the needs of businesses in the face , Through the receiving bank to avoid a cash card is brought about by these security issues. At the same time, we all know, cash in circulation is inevitable in the process of being addicted to the various types of bacteria and viruses, to the cashier and consumer health threat, and the receiving bank cards can be effective in reducing the spread of bacteria and viruses an opportunity to create A safe and healthy consumption environment.
(3) increased transaction processing speed, speed up the business efficiency in the use of funds. The receiving bank card business, not only in consumption when clearing transactions faster, and the amount recorded in a timely manner, clear accounts to facilitate the movement of businesses in the capital, increased business efficiency in the use of funds.
(4) to attract more consumers. As a result, many consumers have been accustomed to the use of bank cards for consumer, commercial tenants to accept bank card transactions can be made available to consumers more choice and convenience to attract more new consumer groups, but also to enhance the image of the business. If accepted by the international business start-up business cards, but also to accept a similar Visa (VISA), MasterCard (MASTERCARD) card and other international organizations, international cards, so as to attract more foreign tourists. At present, there are a variety of non-traditional trade channels, such as telephone, mobile phone, fax, Internet shopping and so on the way, making homes more consumers will enjoy a variety of business services.
(5) to help businesses compete in the market in the establishment of dominant position. Through the receiving bank cards, businesses are able to collect relevant data to consumers through data analysis, research, we could have targeted the customer service plan, various forms of promotional activities, and other sectors of the business alliance to conduct joint Marketing, making business in the fierce market competition to build and strengthen the dominant position, and establish a good corporate image.
【Credit card, debit card and the difference between an ordinary bank card】
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Credit card debit cards are bank cards belonging to the scope of
Credit card commercial banks to individuals and units issued, with special units to shopping, and consumer access to cash from banks, consumer credit has a special card carrier, in the form of a positive bearing the name of the card-issuing bank for a period, the number Name content cardholders, and so on, have a magnetic strip on the back, the signature of the card. We are talking about credit cards, generally refers to a single credit card.
Debit card is the commercial banks to individuals and units to issue the card in the memory card into cash, the card can handle consumption, out of cash, transfer, and other financial services.
Generally speaking:
Cary can not afford credit card, consumer first, and then a certain period of time the money back to the bank. Xian Baqian debit card is deposited Cary, then the consumer card.
【International credit card organizations】
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Mainly in the international Visa International (VISA International) and MasterCard International (MasterCard International) and two American Express International, Inc. (America Express), Diners Limited (Diners Club), JCB Japan International credit card company (JCB), three professional credit card company. In all regions there are some areas of the credit card organizations, such as the European EUROPAY, Bank of China, Taiwan, a joint credit card center and so on.
Visa International (VISA INTERNATIONAL) is the world's largest organizations, traveler's checks and credit cards. Visa International is the successor in 1900 to set up the Bank of America credit card company. In 1974, Bank of America credit card companies and Western commercial banks to set up an international credit card services company in 1977 and was officially changed to Visa (VISA) international organizations, a global organization of a joint credit card. Visa International has a VISA, ELECTRON, INTERLINK, PLUS and VISA CASH brands such as trademarks. Visa International is not directly involved in card issuing, VISA credit card brand is to participate in Visa International's members (mainly banks) issued. At present, its members about 22,000, issuing more than 1,000,000,000, more than one million more than 2000 business, networking ATM machine about 66 million units.
MasterCard International (MasterCard INTERNATIONAL) is the world's second-largest international credit card organizations. In 1966, California has set up some of the bank card association (Interbank Card Association), and in 1970 the opening of Master Charge of the name and logo, the reunification of the member banks to issue credit card name and design, once again in 1978 changed its name to the current MasterCard . MasterCard International has a MasterCard, Maestro, Mondex, Cirrus brands, such as trademarks. MasterCard International is not in itself a direct credit card issuers, MasterCard-branded credit card from MasterCard to participate in international organizations, financial institutions, members of the issue. At present, its members about 20,000, with more than 10,000 over 2100 shops and ATM machines.
Key to the credit card applicant has any good? 】
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On the credit card applicants, the greatest advantage is to save time, banks need to know a lot of information in your credit report, so no longer has to spend so much time to investigate, to verify your loan application form to fill information The authenticity. Therefore, the credit is the first benefit to you to save time and help you more quickly get the confidence of the banks.
As the saying goes, "Well, by good also, it is not difficult to take." If your credit report is a reflection of your payments on time, serious performance, the bank like you sure will not only be able to provide loans such as credit card services, but also in the amount of the interest rate on these concessions.
If your credit report records also do not have to borrow money, the banks in considering whether to loan you must be treated carefully. The bank may allow you to provide collateral security, or reduce the amount of loans, or loans to raise interest rates, or refuse to give you the loan. If the credit report reflects that you have to take a lot of money, the banks will be very careful, you worry too difficult to bear the liability may refuse to give you the loan. This reminds you to treasure their credit record, feel their own credit accumulation of wealth. Fair credit. On the credit you have a big advantage to help you get more equitable access to credit. Credit available to the central bank of your credit history is an objective record, "Let the facts speak", a decrease of Xindai Yuan subjective feelings, emotional factors such as your credit card to apply for the results, so you get a fairer credit Opportunities.
In fact, is a credit card ahead of time consumption, but how kind of reasonable application of the conditions for us to create better efficiency, it has become a lot of credit card users a means of financing. That cash is used.
Key conditions for credit card applications? 】
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Main credit card if the applicant is required to residents age 18 to 60 years of age, if it is to be outside of the age of 25 to 60 years of age; card applicants were required to card-based parent, spouse or child ( In the age of 18 years and above). To apply for credit cards over the contents of the most basic conditions. However, in line with the above conditions were not necessarily able to apply for credit cards.
Strictly speaking different conditions apply for bank credit cards belonging to the bank's confidential, as soon as the bank released its own eligibility criteria based on the conditions it was definitely caused by false credit rating is no longer accurate. In general, as long as you have stable jobs and good income can try to apply for credit cards.
【Credit cycle is how going on? 】
Credit cycle is actually a conditional delay the return of the loan. As long as you are on the minimum payment, the remaining amount owed by the following can be returned for another, can also be added during the loan does not exceed the credit limit. The next issue can be handled in such a manner. So long as you ensure that each phase of the return of the minimum repayment, the loan will be able to have been due to go on, so called the credit cycle. Credit cycle is not like some people understand the roller-li-li, although interest-bearing compound interest is accrued on a monthly basis, due to the actual repayment will definitely higher than the minimum on interest rates, so the actual generation of compound interest is very small, the actual use can be ignored .
【What is a quasi-credit card? 】
English is the quasi-credit card: SemiCreditcard, is the first card by card-issuing bank to deposit a certain amount of the request imprest, when the imprest account balance to pay less, can be provided for Credit card-issuing bank overdraft in the amount of credit card . Quasi-credit card deposit of funds is of interest, the interest rate the central bank in accordance with the provisions of the implementation of the current interest rates. No quasi-credit card interest-free period, as long as the use of consumer credit is necessary to mention or interest-bearing, an interest rate of five ten thousandths. Quasi-overdraft amount is based on the credit card you apply for credit cards provide the information to determine the general wage is 1 to 2 times.
【How to identify true and false credit cards? 】
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As the credit card has its unique convenient, very rapid development of the credit card. Currently, there are some people have been found with counterfeit credit card crime in an attempt to obtain money from other people. How to identify true and false credit cards, cardholders has become a particularly special unit essential skills.
First, look at the film of plastic. Card really smooth, easy off color, the film has anti-counterfeiting marks; Weika rough surface, the color off easy, no negatives general security features. The second is to see print. True color card sharp, clear words, card check neat stripes; Weika fuzzy words, colors have been shallow or deep, irregular stripe card, as posted on white card. Third, look at the signature column. I have to repeat card issuers, Inc.; Weika's no trademark, that all-white or altered signs and signatures are not fluent. The fourth is to see imprint. Card number really neat and orderly capital letters of the alphabet; Weika embossed with the letters of the alphabet, or irregular sizes are different, which altered the old card number on the card face looming.
Mastered these on to distinguish between genuine and fake credit cards basically.
Key on-the-job income to prove】
I certify that the (ID number:) I was flat on-the-job staff, as a unit in my office, the office, the annual income of 10,000 yuan.
Would like to prove!
(Note: This only proves XX bank credit card application purposes, not for security!)
Contact:
Unit Tel:
Date: date
We can apply directly to the table to prove that issued the credit card unit of work to prove.
8 to apply for credit cards when a powerful proof of financial resources!
Banks in general, through the applicant's financial resources prove to assess his qualifications, in order to determine his available credit limit, generally speaking, there are highly educated, fixed and stable, high-income groups have access to high-limit credit card.
This article introduces you to eight hours to apply for credit cards can be used to prove the material.
1.'s Own copy of the proof of real estate
2. Wages on behalf of the bank passbook / copy of the bill (to be revealed in the last three months salary recorded information)
3. Bank on a regular basis, demand deposits, single / copies of the books
4. In the last three months of duty-paid proof copy of the personal income tax
5 Social Security withholding copies of the certificate
6. Government agencies, enterprises issued in the last three months of formal proof of income or payroll (to be placing a company or sector Chapter Chapter)
7. Funds, treasury bonds, enterprise bonds to buy a copy of a certificate (required to display the name of the purchaser, account number and account balance)
8. Other high amount of bank credit cards, membership cards, bank copy of the high-end
Article from: http://kayouwang.com/yuanchuang/20080713-1.html
【Annual fee-free policy, "" What does it mean? 】
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At present, some kind of card is free of charge for the first year, the first year in the 6th card (generally, but also to limit the amount of credit cards, such as the brush in the first year of 1,000 yuan or above), the second annual cost-free.
Annual fee "in" refers to the cycle, that is, your card is valid after the starting date of 12 months.
If you card is valid from June 2008 to start, then "in the first year annual fee-free", referring in June 2008 to June 2009 "in the first year" is no need to pay the annual fee. At the same time, in June 2008 to June 2009, you have to brush over 6 times, so as not to be in the next cycle of annual fee.
The "year" and the calendar is different, would not say Jun 2008, which came into effect to the card in January 2009 on the land you a new one-year annual fee, you can rest assured that the use of cards to open!
PS. Master card, credit cards were to brush the 6th!
【Household credit card marketing methods】
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Credit card sales are households do not intend to continue to use your credit card cases must be done and if households do not sell, the banks will be in charge of credit card annual fee.
Not in the cards overdrafts, at any time can apply for household sales.
If your card has not expired, the need to apply, certainly every other day to sell the bank for households;
If the card has been valid, and the account balance to zero, then directly to a designated bank branches for sales procedures households.
Off households should carry valid identity documents original card, if I sell is not convenient for households procedures, others can charge d'affaires. Agent is required to hold a client (himself) to write the letter, to carry identity documents Original effective sales charge d'affaires family business.
When farmers sell credit card if your card has not expired, and some provisions of the bank, need to apply for admission to a specific network card business, separated after a certain period of time (up to 30 days) for another formal procedures for household sales. This is mainly because sales in the household before the cardholder if the pressure card transactions done by hand, sales in the family business when the pressure will not pay a single card to bank accounts, the cardholder had Jingxiao Hu, so the bank will not be able to normal Liquidation; on the other hand, if the card is taken or consumption abroad, may be a few days after the liquidation, if sales do an immediate families, will also affect the bank's normal liquidation.
