Undergraduates go to Bank Credit Card Center
Publish: 2021-04-29 17:01:43
1. Each bank credit card will have its own characteristics. It depends on which aspects to choose. Generally, the threshold of joint-stock commercial banks is relatively low:
1. Advantages of CMB credit card:
1
2 and Internet banking are powerful, easy to operate and support Alipay;
3. There are often super value group buying goods with more activities and patterns
4. All cards have one bill (convenient for repayment)< Disadvantages:
1. The points policy is very inhumane (20 yuan for one point, not zero)
2. The shortest interest free period is 18 days
3< Second, the advantages of Bank of Communications credit card are as follows:
1
2. 56 days long interest free period
3
4. YP card can withdraw 100%; Direct approval of 5000 quota for undergraates
5, support Alipay, net pay limit is high ($10000). Disadvantages:
1
2. Each card needs to be repaid separately, and the total consumption of all cards will not be automatically counted
3. Points are not always valid
4. SMS charges, you can pay 48 a year with your card, and you dare to pay the annual fee
5. Repayment is not very convenient
6. The points of YP card are calculated independently and cannot be exchanged for mileage< Third, the advantages of ICBC credit card are as follows:
there are more than 10000 or 30000 outlets, which is the bank with the most outlets in China
2, support Alipay, and can achieve unlimited amount;
3. There is no service charge for local cash withdrawal
4. The amount of international cards of different brands is independent< Disadvantages:
1
2. Poor service attitude
3. There is no 800 phone, and 400 is not open to indivial users< Four, CCB credit card
advantages:
1, more network points
2. Compared with the other three state-owned banks, the application threshold is lower
3. The service charge for cash withdrawal is low (0.5%)< Disadvantages:
1
2. Each card needs to be repaid separately, and the total consumption of all cards will not be automatically counted.
1. Advantages of CMB credit card:
1
2 and Internet banking are powerful, easy to operate and support Alipay;
3. There are often super value group buying goods with more activities and patterns
4. All cards have one bill (convenient for repayment)< Disadvantages:
1. The points policy is very inhumane (20 yuan for one point, not zero)
2. The shortest interest free period is 18 days
3< Second, the advantages of Bank of Communications credit card are as follows:
1
2. 56 days long interest free period
3
4. YP card can withdraw 100%; Direct approval of 5000 quota for undergraates
5, support Alipay, net pay limit is high ($10000). Disadvantages:
1
2. Each card needs to be repaid separately, and the total consumption of all cards will not be automatically counted
3. Points are not always valid
4. SMS charges, you can pay 48 a year with your card, and you dare to pay the annual fee
5. Repayment is not very convenient
6. The points of YP card are calculated independently and cannot be exchanged for mileage< Third, the advantages of ICBC credit card are as follows:
there are more than 10000 or 30000 outlets, which is the bank with the most outlets in China
2, support Alipay, and can achieve unlimited amount;
3. There is no service charge for local cash withdrawal
4. The amount of international cards of different brands is independent< Disadvantages:
1
2. Poor service attitude
3. There is no 800 phone, and 400 is not open to indivial users< Four, CCB credit card
advantages:
1, more network points
2. Compared with the other three state-owned banks, the application threshold is lower
3. The service charge for cash withdrawal is low (0.5%)< Disadvantages:
1
2. Each card needs to be repaid separately, and the total consumption of all cards will not be automatically counted.
2. CCB now provides credit cards for college students. As long as you are 18 years old and a full-time undergraate, you can apply for college students' credit cards, transformers' credit cards and my love personalized credit cards. If you handle them, you need to go to your nearest CCB branch to fill in the form (with your ID card and student card), You also need your parents to be present and provide proof of the second source of repayment< The maximum amount of CCB college students' credit card is no more than 3000 yuan, which is the upper limit of domestic college students' credit card (this card), while the general amount is 1000 yuan or 2000 yuan. With the accumulation of consumption and repayment records, the student cardholder can call customer service to apply for an increase of the amount to 3000 yuan
CCB college students' credit card withdrawal fee is 0.5%, the minimum is 2 yuan, and the maximum is 2 yuan 50 yuan, for example, if you withdraw 100 yuan, the service charge is not 0.5 yuan, but 2 yuan. In addition to 0.5% of the service charge for cash withdrawal, there is no service charge for off-site withdrawal or inter-bank withdrawal.
2. As long as there is a service charge for cash withdrawal, if the service charge cannot be exempted, you can only enjoy interest free treatment if you make full repayment before or on the specified last repayment day after the card consumption.
3 If there is no full repayment on the last repayment date stipulated by CCB, it can be repaid according to the minimum repayment amount, that is, about 10% of the total amount. However, interest at the daily interest rate of 0.05% will be charged from the card swiping date to the repayment date, which means that CCB will no longer enjoy interest free treatment if it fails to repay one cent after card swiping consumption
the longest repayment period of CCB after card swiping consumption is 50 days and the shortest is 20 days The shortest interest free period for card consumption is 20 days, and the longest interest free period for card consumption on the next day of the statement date is about 50 days.
4. If there is a record of late repayment or non repayment, a bad credit record will be generated in the national personal credit information system. If the bad credit record accumulates too much, it can not be used in any country If a bank has applied for a credit card or loan and long-term debts are not paid back, the bank will sue
CCB college students' credit card withdrawal fee is 0.5%, the minimum is 2 yuan, and the maximum is 2 yuan 50 yuan, for example, if you withdraw 100 yuan, the service charge is not 0.5 yuan, but 2 yuan. In addition to 0.5% of the service charge for cash withdrawal, there is no service charge for off-site withdrawal or inter-bank withdrawal.
2. As long as there is a service charge for cash withdrawal, if the service charge cannot be exempted, you can only enjoy interest free treatment if you make full repayment before or on the specified last repayment day after the card consumption.
3 If there is no full repayment on the last repayment date stipulated by CCB, it can be repaid according to the minimum repayment amount, that is, about 10% of the total amount. However, interest at the daily interest rate of 0.05% will be charged from the card swiping date to the repayment date, which means that CCB will no longer enjoy interest free treatment if it fails to repay one cent after card swiping consumption
the longest repayment period of CCB after card swiping consumption is 50 days and the shortest is 20 days The shortest interest free period for card consumption is 20 days, and the longest interest free period for card consumption on the next day of the statement date is about 50 days.
4. If there is a record of late repayment or non repayment, a bad credit record will be generated in the national personal credit information system. If the bad credit record accumulates too much, it can not be used in any country If a bank has applied for a credit card or loan and long-term debts are not paid back, the bank will sue
3. CMB can give undergraates credit cards
there is no service charge for credit card to remit money, but if you withdraw money from it, the service charge is very high, which is higher than that of remittance.
there is no service charge for credit card to remit money, but if you withdraw money from it, the service charge is very high, which is higher than that of remittance.
4. 1、 Credit card application methods are:
1. Online application
2. Bank business hall (counter) application
3< 2. Conditions for applying for credit card:
1. 18-60 years old
2. Good personal credit records
3. Have a legal job and stable income
as long as the above conditions are met, you can apply for a credit card.
1. Online application
2. Bank business hall (counter) application
3< 2. Conditions for applying for credit card:
1. 18-60 years old
2. Good personal credit records
3. Have a legal job and stable income
as long as the above conditions are met, you can apply for a credit card.
5. You can apply for a credit card only if you meet the conditions
credit card conditions:
18 years old and not more than 65 years old
second generation ID card is required
with work certificate and income certificate with financial seal of the company
no bad credit record
other financial evidence, such as real estate, automobiles, stocks, bonds, etc
credit card application process:
fill in the application form
the information given to the bank and the of the information
the bank sends it to the Credit Card Center
the credit card center checks, makes and issues cards
when I get the card, I open it and wait for the password.
credit card conditions:
18 years old and not more than 65 years old
second generation ID card is required
with work certificate and income certificate with financial seal of the company
no bad credit record
other financial evidence, such as real estate, automobiles, stocks, bonds, etc
credit card application process:
fill in the application form
the information given to the bank and the of the information
the bank sends it to the Credit Card Center
the credit card center checks, makes and issues cards
when I get the card, I open it and wait for the password.
6. Credit card is a branch of the bank, they are sales department, there is no preparation, all belong to labor dispatch, sign labor contract.
7. There is a case about how to apply for credit cards for college students:
after May 2009, the central bank imposed strict restrictions on the application of credit cards for college students, and changed the examination and approval system of credit cards for college students. Now, banks can't apply for credit cards for students alone. For example, the original young card of CMB is specifically for college students, Now it has been cancelled and can't be handled
in the past, at the beginning of school every year, many banks came to help college students apply for credit cards, collective cards and student ID cards. Now this kind of collective card is also subject to some restrictions, but in general, if there is a collective card in your school, the probability of success is much higher. You can't go to the Bank alone.
after May 2009, the central bank imposed strict restrictions on the application of credit cards for college students, and changed the examination and approval system of credit cards for college students. Now, banks can't apply for credit cards for students alone. For example, the original young card of CMB is specifically for college students, Now it has been cancelled and can't be handled
in the past, at the beginning of school every year, many banks came to help college students apply for credit cards, collective cards and student ID cards. Now this kind of collective card is also subject to some restrictions, but in general, if there is a collective card in your school, the probability of success is much higher. You can't go to the Bank alone.
8. 1. Yes, it's OK to choose a student's credit card. When you go to the bank counter, you need not only the ID card but also the student's card and the certificate of study provided by the school. The procere is a little cumbersome (because the counter requires the provision of detailed and specific supporting documents, which can only be handled after being approved)
2, At the gate of large supermarkets and on the road, there are also many activities to send gifts with credit cards. As long as you have an ID card, you can do it for you.
3. Remind us that credit cards should be used and applied with caution. Never apply for cards from many different banks to become card slaves; In addition, credit card reputation is also very important, so monthly repayment, otherwise it will involve your application for a loan
2, At the gate of large supermarkets and on the road, there are also many activities to send gifts with credit cards. As long as you have an ID card, you can do it for you.
3. Remind us that credit cards should be used and applied with caution. Never apply for cards from many different banks to become card slaves; In addition, credit card reputation is also very important, so monthly repayment, otherwise it will involve your application for a loan
9. Look at the company's job title and job content, their sales can't recruit college students, so it's definitely not to sell credit cards
10. Credit card does not need those things you said, as long as the unit gives you a proof of income, if there is a work card in the work card to him, as well as a of the ID card, the credit card application form can be filled in, do not need other things
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