1. How to apply for a bank credit card
1. Apply at a bank outlet: If If you want to apply for a bank credit card, you can go to a bank branch with a copy of your ID card, submit the application form to bank staff, and wait for review.
2. Online banking application: If you want to apply for a bank credit card, you can download the bank app and apply for online credit card business on the app.
3. Third-party online card application: If you want to apply for a bank credit card, you can also choose an officially certified third-party platform to apply for it. Just fill in the information online. , just wait for the card to be collected.
4. Bank clerk's door-to-door service: If you want to apply for a bank credit card, you can also call and ask the clerk to come to apply for it, but you must pay attention to identify the clerk's identity. Protect personal safety.
2. What are the requirements for applying for a bank credit card?
1. The applicant is over 18 years old: The bank stipulates that the minimum application age for credit cards is 18 years old, and the maximum application age is 60 years old.
2. Have a certain repayment ability: it is best to have an income certificate stamped by the employer and be able to repay the credit card debt.
3. Have a stable job and income: It is best to have a stable job and social security certificate, and other properties, such as houses, cars, stocks, etc. If you have proof of financial resources, you will apply for a higher amount.
4. Be able to provide valid identity proof: Applying for a bank credit card requires your second-generation ID card, so you must be able to provide valid identity proof.
3. Bank credit card repayment skills
1. Automatically bind the bank: It is best to automatically bind the credit card to the bank savings card. After binding the repayment, the credit card can be directly deducted on the repayment date without worrying about the repayment time. Avoid overdue issues caused by forgetting the repayment date.
2. Set the repayment date: It is best to set the credit card repayment date in the salary After the payment date, after the monthly salary arrives, if the funds are sufficient, the repayment can be made directly on the repayment date, which greatly reduces the repayment pressure.
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4. What to do if multiple credit cards are overdue
1. Use the minimum repayment function
Every bank has a minimum repayment function. As long as you repay the minimum repayment, the bank will not charge late fees, nor will it affect your personal credit. However, interest will be charged on the minimum repayment every day. The interest is 0.5%, so you only need to pay the minimum. Although the pressure will be reduced, compound interest will occur, which will be relatively troublesome and can only be used as a temporary delay.
2. Use the installment function
If you are under pressure to repay, you can directly apply for bill installment. Generally, banks provide 3, 6, 9, and 12 , 18 or 24 installments in total, you can choose the number of installments according to your repayment ability, which can alleviate the repayment pressure and will not affect your credit.
3. Change the bill date to extend the repayment period
The bill date cannot be changed casually. Generally speaking, it can only be changed once every six months. Some banks It needs to be changed once a year, and some banks can only change it once.
4. Take the initiative to explain the situation to the bank for negotiation
If you are unable to repay for a period of time due to special circumstances such as work, you can take the initiative to call the bank and explain the reason, proving that it is not malicious and that there is indeed a reason. Discuss whether the repayment can be delayed. Don't If you change your phone number and ignore the bank, your personal credit will be lost, unless you will never deal with the bank again.
5. What are the consequences of not paying back your credit card
1. Overdue interest will be charged
After using a credit card to overdraft, users generally have an interest-free repayment period ranging from more than 20 days to more than 50 days. If the cardholder makes interest-free repayment during this period, If the overdraft is not fully repaid within the period, the cardholder will no longer enjoy the bank's interest-free treatment for all expenses incurred last month, and the recurring daily interest rate will be as high as 0.05%, which means the annual interest rate will reach 18%.
2. Credit card late payment fees will occur.
Credit card late payment fees refer to when the cardholder fails to show up When the repayment is made before the scheduled repayment date (inclusive) or the repayment amount is less than the minimum repayment amount, the fees payable to the card-issuing bank are required according to regulations. At present, most banks such as China Merchants Bank, China Construction Bank, ICBC, and Shenzhen Development Bank have standards for late payment fees. It is 5% of the unpaid portion of the minimum repayment amount. The minimum late payment fee for CCB Long Card is RMB 5, while the minimum late payment fee for CMB Dual Currency Credit Card is RMB 10 or US$1.
3. Bad credit records will be generated.
Overdue repayments by credit card users will be recorded in bad credit records, and the basic database of personal credit information has been implemented With the nationwide network, as long as an individual resident has handled a loan business at a bank, applied for a credit card, or provided a guarantee for others, his or her credit report can be checked at any commercial bank in the country. For customers with bad records, in the future, The bank will treat the loan application carefully and may require the customer to provide mortgage or guarantee, may reduce the loan amount, increase the loan interest rate, or even refuse the loan. On the contrary, if the credit report shows a good record, in future credit business, You may enjoy discounts on the amount and interest rate.
4. Litigation costs may occur over time.
If the cardholder fails to repay the overdraft after 2 months, the bank will call to remind the user to repay. If the cardholder still does not repay, the bank will ask a lawyer to issue a lawyer's letter to the user. The user still refuses to repay the overdraft after 180 days. If the loan is not repaid, the bank will file a lawsuit in court, and the losing party will bear the litigation costs of the case. When a bank sues to require repayment from a user, the bank usually wins, so this part of the cost will be borne by the user.
Overdue credit card means overdue interest will accrue, which can be combined with the actual situation.If you negotiate with the bank, you can apply for minimum repayment or installment payment. As long as you can guarantee that you can repay the loan, it will be recognized by the bank. Only when the credit card payment is paid off will no overdue interest be incurred, and you can Your credit report will not be affected in any way.[Warm Tips]Not every situation is objective and consistent. A same type of answer can solve the problems we encounter. 85% legal risk. But the real solution requires detailed analysis of specific problems. In complex cases, it is recommended to consult a professional lawyer as soon as possible, and it only takes 3 to 15 minutes to get a targeted answer!
