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【速搜问答】信用卡怎么办理

问答 admin 8个月前 (04-03) 129次浏览 已收录 0个评论

汉英对照:
Chinese-English Translation:

办理信用卡可以通过不同的渠道,比如银行柜台、网上银行、手机银行app等,在申请信用卡时要满足一定的条件,通常个人征信良好且具有还款能力,这时都可以申请一张普通的信用卡,申请时不同的用户得到的授信额度不同。

Credit card can be handled through different channels, such as bank counter, online banking, mobile banking app, etc. when applying for credit card, certain conditions should be met. Usually, the individual has good credit information and repayment ability. At this time, they can apply for an ordinary credit card. Different users get different credit lines when applying.

办理信用卡可以通过不同的渠道,比如银行柜台、网上银行、手机银行 app 等,在申请信用卡时要满足一定的条件,通常个人征信良好且具有还款能力,这时都可以申请一张普通的信用卡,申请时不同的用户得到的授信额度不同。

Credit card can be handled through different channels, such as bank counter, online banking, mobile banking app, etc. when applying for credit card, certain conditions should be met. Usually, the individual has good credit information and repayment ability. At this time, they can apply for an ordinary credit card. Different users get different credit lines when applying.

用户在申请信用卡时可以注意卡片包含的权益,知道哪些权益对自己最有用,值得一提的是,在线上申请信用卡时需要进行面签,确定本人申请信用卡,通过以后才会下卡,后续拿到卡激活就可以使用了。

When applying for a credit card, users can pay attention to the rights and interests contained in the card and know which rights and interests are most useful to them. It is worth mentioning that when applying for a credit card online, they need to sign face-to-face to confirm that they want to apply for a credit card. After they pass the application, they will issue the card. After they get the card activation, they can use it.

信用卡使用后必须按时归还,不能出现逾期还款的情况,因为逾期后会产生罚息,时间越长罚息越多。而且在逾期后银行会上传至征信中心,导致个人征信变不良,影响后续各种贷款的申请。

After using the credit card, it must be returned on time, and there can be no overdue repayment, because there will be penalty interest after overdue, and the longer the time, the more the penalty interest. Moreover, after overdue, the bank will upload it to the credit reference center, which will lead to bad personal credit reference and affect subsequent loan applications.

其实,信用卡不能按时归还时可以使用分期还款或者最低还款额,这样就可以降低月还款额度,不至于出现逾期的情况。办理分期还款后可以提前归还,这样可以减少手续费支出。使用最低还款额归还欠款时不能享受免息期。

In fact, when the credit card can’t be returned on time, you can use the installment repayment or the minimum repayment amount, so that you can reduce the monthly repayment amount and avoid overdue. After handling installment repayment, it can be returned in advance, which can reduce the handling charge. You can’t enjoy interest free period when you use the minimum repayment amount to repay the debt.


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