MasterCard (MasterCard) - interpretation of the term

MasterCard (MasterCard) is an international organization encompassing parts of the world's financial institutions, non-profit-making association, whose members include commercial banks, savings and loan associations, and credit cooperatives.

To put it simply: MasterCard (MasterCard) is an international coalition, marking all the "MasterCard (MasterCard)," marked by credit card in the global MasterCard (MasterCard) consumer credit card system.

MasterCard (MasterCard) basic objectives: communication between domestic and foreign members of the bank card information exchange and to enable the agency to issue big or small, can enter the market, bank cards and traveler's checks and development.

MasterCard (MasterCard) MasterCard is an international organization in the late 50's to early 60's created an international credit card system was soon popular in the world. In 1966, formed a bank card association (Interbank CandAssociation) organization in 1969 under the bank card association MasterCharge purchase of patents, the reunification of the credit card issuer's name and design style. 10 years later, the original name MasterCharge renamed MasterCard. MasterCard (MasterCard) is a global household name, but 30 years ago it was only a domestic card in the United States, it is well-known MasterCard International has been in service for cardholders conviction, to provide card People-to-date, the most comprehensive payment service, cardholders have been recognized throughout the world.

MasterCard International is the world's second-largest international credit card organizations. 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 International to participate in the member financial institutions issued.

VISA (Visa) - interpretation of the term

VISA (Visa) The simplest explanation: VISA (Visa) is an international coalition of credit card holders have the logo VISA (Visa) credit card can VISA (Visa) of business Consumer credit card.

VISA International is the world's largest organizations, traveler's checks and credit cards. 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.

Visa is the world's most famous brands to pay, Visa and Visa all over the world merchants, ATM, as well as members of financial institutions to work together to make this dream come true.

Visa global electronic payment network-VisaNet-one of the world's most extensive coverage, the most powerful and most advanced consumer payment processing system, so that you continue to carry out the Visa global cartoon row. At present, the world's more than 20,000,000 merchants to accept Visa cards, there are more than 840,000 ATM all over the world. Therefore, Visa's global network so that no matter where you can easily use the Visa card.

Visa International card issuers are not directly involved in the organization itself. In the Asia-Pacific region, Visa international organizations have more than 700 members of various financial institutions to issue Visa payment, including credit cards, debit cards, corporate cards, business cards and purchasing cards. These products will allow you to spend money in a more secure, convenient and reliable.

Visa in 1993 and 1996 in Beijing and Shanghai to set up representative offices. Visa has a home in the Bank, including the 17 members of the Chinese-funded financial institutions, and 5 foreign bank members.

Credit card must be done through the proper channels

With the use of credit cards has become an increasingly widespread, more people joined the ranks of credit card do, the Chinese credit card network to remind you: you must do when credit card through the proper channels.

According to the domestic credit card issued by the status quo, compared with the current issue of the proper way to the major credit cards are:

First, direct bank card issuers need to do a friend's credit card directly to apply for bank branches, the bank will grant credit card by mail to the address you specify.

Second, do card sales, have a professional do a lot of the bank's credit card sales, you can run through these credit cards for credit card sales.

Third, banks or professional Web sites for credit card credit cards, many banks have opened on-line credit card application, part of the professional business Web site can also apply for credit cards.

No matter which way do more through credit cards, should be free, just in the process of credit card do not have any. Therefore, any person for any reason to do credit card charges when you should be rejected, there has been too much credulity as-you card to do high-limit credit card fees, charges and so on the grounds-out card payment card run, the last being cheated. Please be sure to pay attention to the broad masses of Friends of the card.

For consideration prior to the credit card repayment good way

For most cardholders, the main purpose of the use of credit cards is convenient consumption, savings interest, the repayment of how a reasonable planning process, the full enjoyment of the credit cycle, the use of credit cards has become an important element.

Through the payment network is the most direct way. And small and medium-sized banks, the four major state-owned banks have obvious advantages to repay more outlets, the more common self-help banks, ATM networks, or self-help facilitate the repayment of both. Cardholders also need to know, at present most of the card-issuing banks have opened accounts designated transfer payment business, which is currently the most convenient way of repayment. If the cardholder's bank to open a credit card, and then choose to use debit cards with the same bind, you can achieve a monthly automatic payments. As per the repayment, the bank will automatically balance by the amount of debit card accounts transferred to the credit card payment to avoid a cardholder to forget as a result of the repayment date losses. However, cardholders should be noted that the designated debit card balance is adequate, if less debit balance fails, the banks will be affected and penalty interest credit records.

In addition, the return trip abroad, credit card payments often involves too much trouble to the purchase of foreign currencies exchange process, but the automatic opening of the yuan to purchase foreign exchange on the comparison of the effort. If the opening of the yuan to purchase foreign exchange to repay the credit card function, just before the due repayment will be sufficient amount of RMB deposit accounts credit cards, each of the yuan will be deposited automatically used to pay priority bills for the current period debts payable in foreign currency , In excess of RMB accounts used to pay part of the arrears.

Need to be reminded that the full and timely repayment, the bank will help accumulate credit card points accumulated for a period of time will raise the overdraft limit card and the other for the mortgage, car loan when the cardholder to help reduce the approval process . Therefore, it is necessary to remember that the use of credit card payments in a timely manner, not free of interest to the bank at the same time, in order to leave their good credit records.

Credit card applications in different ways to experience

This article provided by the Friends of the card to apply for credit cards of different ways to experience for the Friends of the cards do provide a reference card.

To apply for a minimum of four major Chinese state-owned banks, multi-application of the Chinese people's livelihood, CITIC, GF, dark hair. But small local network may not have to repay, in which the Chinese people's livelihood of all sales, but as the four counters, doors into the hard, ugly face. Will perhaps give you some traps in secret. Which do not have to bother, but some will indeed lobby for the sake of you, inadvertently prompted, what do you write, what to write, while others will harm you, you pay less need for some of the information which has been submitted to the void. This is the Chinese Circumstances.

Credit card applications for fixed place of residence to prove the type of material

To apply for credit cards when the bank will usually require applicants to submit materials to prove a fixed place of residence, for this article about the Friends of the card can be used as a fixed place of residence permit of the type of material.

Fixed place of residence to prove include:

First, card accounts (book) a copy;

Second, water, electricity, gas recent three billing;

Third, the recent three fixed-line billing;

Four units issued by the dormitory to prove;

Five or rental contract (agreement);

Sixth, to prove their own property;

Seven residential property management fee payment receipts;

Eight, street address, the issue proved;

Nine, the second phase of the recent monthly statement or credit card in the last three months of paid personal income tax to prove;

10, to prove that a fixed residential address of the other supporting materials.

The basic conditions to apply for credit cards

Credit card applications for the basic conditions of the various banks is common, as different types of bank card functions are different, so when it bid to host the conditions of the applicant are different.

Personal credit card to apply for the basic conditions:

(1) at least 18 years of age, regular employment and a stable income, work units and resident accounts in the urban and rural residents;

(2) fill out the application form, and cardholders the handwritten signatures Department;

(3) to the card-issuing bank cards and card holders, I, the guarantor of a copy of ID card; abroad, and foreign military officers in his own name to Link card issued by local public security department issued temporary or accounts issued by the relevant departments of the Proof and shall be provided with security conditions in the local security units or accounts in the local guarantor.

In general, the stability of the work of successful applicants is a necessary condition for the credit card. Of course, this is not absolute, for example, many universities now have a special card for college students to do business. In addition the community can also do some of the intermediary for credit cards, they have more opportunities. The instability of income but wanted to card a friend, they run through the card is also a good choice. Chinese credit card network to do a lot of card information has accumulated a number of professional card to do, we can go in and see.

How to apply for credit cards to guarantee the security of personal information

If you bid for the bank card to card through the proper channels to do to avoid running in the streets cards, so as not to give out information on criminal groups; not commissioned agency loans and bank cards, personal data rather than direct mail forwarded by a third party; personal identity Copies of bank card bid to host the card, a copy of the proposal on the use of specified purposes, such as: "The only bid for the bank card" and sealed to prevent copies of ID cards was diversion. Do not bank card information, including: bank card number, opening date, due date, bank card password, such as identity card numbers to anyone, do not let free to leave his card. When you received a suspicious phone call requesting personal information to be particularly careful and should ask for leave your name, telephone number and name, and so does the identification of the body or the agency does this, then decide whether it is necessary to provide information . As a result of moving, such factors as changes in the work of those who change the billing address, please be sure your power to go in person to do the card-issuing bank to change the billing address, the commission can not handle on his behalf, to remind you, to protect their own rights, unless You are absolutely trust the site, not on the network at their own personal information in order to prevent the leakage of information. When you participate in any shopping, activities such as dividends or members plan to confirm whether or not you have the other one can thus obtain relevant information, or just the name and address to participate in activities or to provide more personal information, can refuse to Personal data to be used for other marketing activities.

You need to apply for credit cards fees

Credit card application process is free of charge, the formal application process does not require any processing fee, all major banks in the credit card to secure more market share, not only to apply for credit cards free of charge, but also presented a small gift to the applicant.

If you apply for credit cards of the conditions will be ready, and credit card sales to the card do you charge fees, you can refuse to direct, to their own bank or through the sales of other applications. Please do not believe they said that the cost of this, that the cost of the formal application process, there is no fee!

Credit Card faced charges for the how to do

First of all, you need a clear, formal credit for the course is no charge. However, there are always around us so a group of people: not to apply for credit cards, their condition is not good to apply for less than a high-limit credit card, they want to channel some of the internal processing for high-limit credit card or credit card. At the same time, the network has such a group of people to show their own internal relations can apply to credit card or credit card to help you raise the limit.

For this credit card processing fees, credit card network China must be careful to remind you! We can not say that this is a hundred percent fraud, but fraud is a great possibility. A lot of friends, paid to do the last card vanished people, or pay you the information directly diverted.

If you know the insider credit card processing fees, or fees for credit card because you cheated and are welcome to the Chinese credit card network released details of the Chinese credit card network will be available to the sorting out your reference, to avoid more bite-you card.

Credit card applications have been rejected and how to do

Credit card applications are rejected, generally a number of factors: the applicant's credit; applicant professional qualifications, personal asset position of the company.

When your application was denied, you can contact directly with the card-issuing bank, refused to ask out the reasons, perhaps as long as sufficient proof to add information to be able to obtain credit card issuers.

If you because of bad credit records, local credit center, you can obtain a copy of your credit report to find out your credit record for errors, if the contents of the report is wrong, you can credit to the Center To reflect, and called for the original registry information with financial institutions to investigate or correct. If that is a result of their bad credit records, only to re-establish a good credit record in order to gradually restore your credit.

Keep this in mind, the risk can not be rejected after the act, not through informal channels to apply for credit cards, or listen to elements of the fraud, claiming that as long as the admission fee will be guaranteed to be of some help to you to apply for the card, they will only let you in the future suffer great Loss.

China Merchants Bank credit card on-line application process

China Merchants Bank credit card on-line application of the basic process is as follows:

Credit card and read the charter contract recipients -> fill out the application online -> print applications and the recipients of contract and autographed -> application and other documents must be sent along with China Merchants Bank.

After completing the online print out an application, and applications encoded in the contract signed, and must file the application (copy of identity card, proof, proof of financial resources related to) the following two ways out:

(1) returned to the Shanghai Post - General -120-08-mail, Zip code is: 200120.

(2) to the more recent move away from your line of business outlets, China Merchants Bank to the staff.

On-line to fill in the information sent to you after China Merchants Bank, or by telephone network inquiries on the progress of the credit card application.

For inquiries, please refer to the way: China Merchants Bank credit card application progress of the inquiry

If your application is approved, please check your attention to the act of trick you send a card registered;

If you need to add relevant information with you as soon as possible, follow the prompts to add information in order to complete the review of the Merchants Bank;

If you provide information to apply for a temporary move does not meet the requirements of card-issuing firms, the China Merchants Bank will also send back items that you be notified.

Proof of income form and prove that the work of opening Notices

To apply for credit cards, income proof material is essential. I do contacts in the cards for some time, been in contact with many open unit revenue of evidence, to prove a lot of it is not open standards can not be used

Here for the details of all open income units to prove some of the issues requiring attention.

First: open proof of income must pay attention to the format.

The second: proof of income must be open to cover the "fresh chapter", that is, income proof copy is not valid.

Third: to build the units must be a chapter of the financial chapter or unit is the official seal. And must be a chapter yen.

Credit card common sense

In accordance with the cardholder credibility of the credit card and credit status, can be divided into infinite cards, platinum cards, gold cards, general cards. Card issuers generally in accordance with the credit card applicant's social status, economic strength, the spending power to buy, such as credit rating standards for different levels of credit card issuance usually an ordinary card for the lowest-level and high level of credit card credit line is higher than that of low-level Credit cards;

Unlimited cards (Infinite Card)

Unlimited card for card issuers are increasingly competitive financial environment, in order to lock the top of the pyramid before the consumer market, introduced by the highest levels of credit card usually enjoy a more respected than the platinum card service with the rights and interests. Unlimited Visa card is an international organization of high-end credit card brand, currently the world's only nine countries or territories to launch an unlimited card products, namely the United States, Brazil, Mexico, Costa Rica, Kuwait, Dominica, Iceland, Italy and Taiwan, while the total Only card-issuing volume of 30,000. As the unlimited credit card is not universal, and not focus on the credit card issuers, cardholders, but the contribution, so far, the world's unlimited amount of card issuers are extremely limited. MasterCard International Organization of the same level of credit card brand is known as the World card.

Platinum Card (Platinum Card)

Platinum card is different from the card issuers for the Gold Card customers and the introduction of credit cards, and provides more than Gold's high-end services and the rights and interests, to take the general membership system, customer service phone line services and Beixian respected value-added services. Usually with the global airport VIP room courtesy, personal statements, annual consumption analysis, the high transport insurance, emergency support services to the world (GCAS), 24-hour global platinum exclusive line telephone service and other service functions.

Gold (Gold Card)

Gold card and general (Classic Card) The main difference in the eligibility restrictions, and the level of credit. In general, ordinary card as long as annual income to more than 220,000 yuan, while the Gold Card required annual income above 400,000 yuan, the bank granted the Gold Card credit card will be higher than normal. Gold is usually an annual fee for an ordinary card twice, but more are entitled to the rights and interests of members, such as the overseas emergency relief, high travel insurance, free roadside assistance and so on in order to provide cardholders more honorable service.

General card (Common Card)

General card is issued by the card issuers to the lowest level of credit card, there is also another issue before the Silver (Silver Card) card issuers, the general level of the abolition of the Silver Set, Silver and attributed to a class of ordinary card, or puka . Puca actually vary, puka through to the cardholder's credit limit approved by the embodiment.