The use of CGB credit card microfinance must meet the following conditions:
1. Applicants have an age limit and must be between 18 and 65 years old.
2. You must have a local household registration certificate. If you are a migrant population, you need to provide a valid residence certificate as a supplement.
Have a stable income, which can be used to ensure your repayment ability.
You must have a good credit card usage record.
As long as the borrower meets the above loan conditions, he can apply for a credit loan from Guangfa Bank by applying to Guangfa Bank, and submit the above-mentioned relevant certification materials. 、
After the bank has passed the examination, it shall go through the corresponding procedures for issuing credit loans and sign a loan contract. Finally, GDB issues the loan to the borrower's designated account.
Extended data:
The simple and popular understanding of loan is to borrow money with interest.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.
Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Credit card (English: credit? Card) is a non-cash transaction payment method and a simple credit service.
Credit cards are generally plastic cards, with a length of 85.60 mm, a width of 53.98 mm and a thickness of 0.76 mm (the size is determined by ISO? 78 10, 78 16 series documents), which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when spending with credit cards, and are to be charged? Due? Date) before repayment.
Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts.
history
The earliest credit payment appeared in the capitalist town of Britain at the end of 19. In the 1980s, the British clothing industry developed a so-called credit system, which used credit cards to take popular goods home as soon as possible when shopping. The tourism and business sectors also follow this trend and seize business opportunities.
But at that time, the card could only be used for short-term commercial credit in specific places, and the money still had to be paid on demand. Long-term non-default, no credit line. It is entirely based on the capital credit of the rich. In 1950s, the first credit card for the public appeared, and Frank Namara, a credit expert in Manhattan, USA (Frank? McNamara had a meal in a restaurant. Because he didn't bring enough money, he had to ask his wife to send money.
Embarrassed by this, he organized a "Diners Club" (English: Diners? Club, that is, the diner's card), anyone who is allowed to become a member can take a meal charge card to the designated 27 restaurants for consumption without paying cash. This is the earliest credit card.
Since then, more and more partners have signed contracts, and the scope of services that can be temporarily overdrawn is also growing. People have become accustomed to this convenient transaction form without carrying cash, which has promoted the arrival of bank credit cards. Franklin National Bank in the United States was the first bank to issue credit cards, and other American banks followed suit.
apply for
In most cases, citizens with full capacity for civil conduct (citizens aged 18 in China), college students with certain direct financial resources or without direct financial resources (undergraduates only, and some banks are limited to "2 1 1 project" in national key universities) can apply for credit cards from the issuing bank.
But now in China, the CBRC has strictly controlled students to apply for credit cards to prevent students with no stable income from abusing credit cards, overdrawing their credit prematurely and becoming card slaves. Almost all banks stop issuing student credit cards or require student guardians to sign third-party repayment agreements.
Sometimes, legal persons can also act as applicants. The application method is generally to fill in the credit card application form and submit certain copies of documents and certificates to the issuing bank. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
Approval and release
Under normal circumstances, the bank will judge whether to issue a credit card to the applicant according to the application materials, examining the applicant's various information and economic situation, as well as the standards of the bank's internal credit review policy. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand.
Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.
References:
The Specific Application Law of Credit Card Management Criminal Cases —— China Law Network
Guangdong Development Bank
Credit Card-Peking University Legal Information Network