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The credit card is issued by a commercial bank to the individuals and units with a special unit to shopping, and consumer access to cash from banks, especially the carrier with consumer credit card.
Credit card by the use of object is divided into units card and personal card. According to the credit rating is divided into gold and ordinary card.
The application scope of the 1, credit card.
Every open a basic deposit account in a financial institution within the territory of the Chinese unit can apply LED unit card, can apply for a unit number, cardholder for qualification by the legal representative of the unit or its entrusted agent designated in writing and cancellation. Where has the full civil capacity of the citizen may apply for a personal card.
2, credit card application method.
Units or individuals to apply for credit cards, should fill in an application form as required, together with the relevant documents shall be submitted to the issuing bank, in line with the conditions and requirements on bank deposit a certain amount of cash, bank credit card deposit account applicant and sent to a credit card.
3, credit card use should pay attention to the problem:
(1) the unit accounts shall be the basic deposit account deposit shall not transfer, cash deposits, may not be the sales amount deposit account.
(2) credit card only legitimate cardholder I use, the cardholder shall not be leased or lent credit card.
(3) unit of credit card may not be used for more than 100000 yuan of commodity trading, labor supply payment settlement.
(4) the cardholder card with the shopping, consumer credit card and ID card will be required to submit special units and on the receipt for signature.
(5) special units shall not by pressing the card, sign and return the cardholder cash payment.
(6) the unit card shall not be paid in cash.
(7) credit card overdraft, card shall not exceed a maximum of 10000 yuan, an ordinary card high amount shall not exceed 5000 yuan, overdraw the longest period of 60 days.
(8) the cardholder shall not malicious overdraft - refers to the cardholder exceeds the limit or time limit, overdraft behavior collection by the issuing bank is invalid.