How to apply for a credit card in Langfang, and how to apply for bank credit cards

Take the application for a Hebei Bank credit card as an example

1. Application (Party A is The applicant and Party B are Hebei Bank)

1. Party A guarantees that all application materials provided to Party B are true, valid and legal.

2. Party B has the right to review Party A’s credit status, obtain Party A’s personal information, and has the right to decide whether to issue a card to Party A and appraise Party A’s credit limit and conduct dynamic management. Party A’s information for card issuance application will not be returned.

3. If Party B intends to provide Party A with credit card-related services, Party A agrees that Party B will entrust the relevant affairs under this Agreement to a third party to handle, or provide its personal information to Party B as deemed necessary. Third parties, including but not limited to Party B’s branches, Party B’s holding subsidiaries, Party B’s service agencies, agents, and outsourcing agencies.

4. After receiving the credit card, Party A should immediately sign in the signature column on the back of the card and use this signature when using the card.

5. If the credit card applied for by Party A has electronic cash function, the default credit card credit account will be the main account. The initial balance of electronic cash is zero, and Party A needs to transfer it through the main account or cash before it can be used normally.

2. Application conditions:

Any individual who is over 18 years old, has full capacity for civil conduct, has a fixed residence, and has a legal and stable income can apply with a valid identity card recognized by the public security department. Apply for a personal card master card from the bank with your identity document.

You can also apply for supplementary cards for other natural persons with full capacity for civil conduct or natural persons with limited capacity for civil conduct (must obtain permission from their guardians). Each main card can apply for up to three supplementary cards. The main cardholder can apply to cancel the supplementary card at any time.

The supplementary cardholder and the principal cardholder*** use the same account credit limit. The principal cardholder can set the usage limit of the supplementary card in one billing cycle within the account credit limit. , all transaction amounts and corresponding interest, fees, etc. of the supplementary card will be credited to the main card account, and the main cardholder shall bear all repayment responsibilities.

The principal cardholder and the supplementary cardholder with full capacity for civil conduct shall be jointly and severally liable for the repayment of the amounts owed to the bank; the holder of the supplementary card with limited capacity for civil conduct shall only be liable for the amounts owed to the bank. The debt incurred by the supplementary card shall be repaid.

Extended information:

Use of credit card

1. You can overdraft consumption without deposit, and you can enjoy an interest-free period of 20-56 days to repay on time. No interest is charged on the payment (most banks will charge an interest of 50,000 cents on the day of cash withdrawal, as well as a 2% handling fee. ICBC charges no handling fee for cash withdrawal and only charges interest).

2. Swiping your card when shopping is not only safe and convenient, but also provides points for gifts.

3. It is accessible nationwide and you can withdraw money or make purchases by credit card at ATMs and POS machines with the UnionPay logo; (Note: Credit cards are only suitable for consumption. It is best not to withdraw cash. The cash withdrawal fee is very high. Not cost-effective)

4. Spend by swiping your card, collect existing points with some credit cards, and offer various discounts and lottery activities throughout the year, so you can always be surprised as long as you use the card (most credit cards do not have points for online payment, but Online shopping and payment are very convenient and fast).

5. Free monthly mailed statements, allowing you to transparently control every consumption expenditure (now promoting green environmental protection, paper statements can be canceled and changed to electronic statements).

6. The unique supplementary card function is suitable for couples to manage finances at the same time, or to control the financial expenditures of their children. The free choice of one card and dual currencies is available all over the world, and overseas consumption can be repaid in domestic RMB.

7. The 400 number or the 5-digit short number starting with 9 is available 24 hours a day. Loss reports are effective immediately and there is zero risk of losing the card.