2. Can provide valid identity documents.
3, have a stable job and income, and provide effective proof of work or income.
4. Personal credit information is good and there is no bad credit record.
Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when consuming and will be repaid on the bill date.
China's relevant laws ("NPC Standing Committee on
Extended data:
New central bank credit card regulations;
1, the step-by-step reform will help card issuers to further accumulate pricing data and experience during the transition period and guide them to improve the credit card interest rate pricing mechanism.
2. The risk control ability and pricing ability of credit cards of various card issuers are uneven. Guidance on the upper and lower interest rates will help prevent individual card issuers from blindly reducing prices and fighting price wars, which will lead to unfair competition and excessive borrowing by high-risk customers, thus increasing credit risk and causing local market chaos.
3. In the case that the information disclosure mechanism needs to be strengthened, setting an overdraft interest rate ceiling is conducive to preventing individual card issuers from unreasonably charging excessive interest and protecting the legitimate rights and interests of cardholders.
Baidu encyclopedia-credit card