2. At present, all banks have an interest-free period of 20 -50 days for overdraft, that is to say, as long as they repay within the specified time, they will not generate interest, instead of spending money as soon as they overdraw. Even after the interest-free period, it will be charged at five ten thousandths of interest;
3. The application conditions are in the process of card application. Generally speaking, I am at least 18 years old, with a proper job and a fixed residence.
4. At present, the major banks are China Merchants Bank, ICBC Construction Bank, ICBC, BOC and Guangfa. These banks have issued a large number of cards and their services are in place. The functions of credit cards are similar, depending on your personal preferences;
As long as the repayment can be made on time, there will be no delay and a good credit record will be established. You can also enjoy certain discounts when dealing with banks in the future.
Card handling process and related materials to be provided:
The following is the card processing process:
1. Go to the counter or call the customer service staff to get the application form. Online application is also acceptable. At present, both Guangfa and China Merchants Bank have online applications and fill in the application form.
2. Attach the following identity certificates and financial certificates as required by the bank:
Answer: identification: ID card, work permit (some units don't have it, but it's ok).
B: Proof of financial resources: the income certificate issued by the unit (the general format is "This is to certify that the employee of our unit earns RMB * * * * *), the real estate license and wagon can also be used as proof of relevant financial resources, or the receipts for payment of water, electricity and coal in the last three months and repayment of other bank credit cards, of which the first item is more important, and others can be used as reference;
C: If you are a leader of a large enterprise, a state official, a university professor and other special ethnic groups, you can submit more detailed identification, but less economic proof.
3. Send the completed application form and relevant photocopied materials to the address required on the card;
4. Waiting, usually 10 working days, that is, two weeks. If there is no news, you can call the bank's customer service phone, use your ID card to inquire about the progress of card processing, and if necessary, you can ask him for the address. Please pay attention if it has been sent. If you are rejected, then change banks and start from the past. Because credit cards are sent by registered mail, they tend to be slightly slower;
After receiving the card, open the card by phone or online according to the instructions on the envelope, and then you will receive a password letter of the card within one week, and take it to the ATM of this bank to change the password, which can be used to check the balance and withdraw cash.
Now you can use this card to swipe your card, and if necessary, you can also open the online payment function of this card to shop in major online shopping malls.
Be sure to remember the customer service phone number of this bank. If you have any questions, please contact this phone number. The most important thing is to report the loss to the customer service phone of this bank in time to avoid losses.
After making so many phone calls, all banks are similar, but it is generally better for big banks with more outlets, which is generally convenient for repayment and inquiry. However, small banks also have their own advantages, often operating flexibly, with various credit cards and consumption points, which cannot be ignored.