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Advantages of credit card
1. You can overdraw consumption without deposit, and you can enjoy the interest-free period of 20-56 days. The interest will not be paid on time. (Most of the bank will receive interest of 10,000 points and 2% of the handling fee on the day of cash withdrawal. , ICBC cash withdrawal fee, only interest);
2. It is not only safe and convenient to swipe while shopping, but also a gift for points;
3. You can enjoy discounts when you spend your card at a special merchant in the bank;
4. Accumulate personal credit, add integrity records to your credit file, and benefit you for the rest of your life;
5. Access to the country for accessibility, in the Atm and pos machines with UnionPay logo can withdraw money or credit card consumption; (Remarks: credit card is only suitable for consumption credit card, it is best not to cash out, cash withdrawal procedures are very expensive, very uneconomical)
6. Swipe card consumption, some credit cards to take existing points, a variety of discounts and sweepstakes throughout the year, so that you can always be surprised with the card; (Most credit card online payment without points, but online shopping payment is very convenient and fast)
7. Freely mail the statement every month, let you transparently grasp each consumer expenditure; (now promote green environmental protection, can cancel the paper statement to change to electronic statement)
8. Unique affiliate card function, suitable for husband and wife to manage money together, or to master the financial expenses of children;
9. Free choice of one-card dual-currency form, worldwide, foreign consumption can be repaid in domestic RMB;
10.400 telephone or 9-character start with 5 digit short number 24 hours service, report loss immediately effective, lost card zero risk;
11. Ownership: The domestic credit card is known to be valid for three or five years.
12. Use third-party platform (the platform that supports credit card billing management in China is mainly Jujindou) to conduct business cooperation and provide preferential services for cardholders.
What if I am charged with a credit card?
If you are under the name of the card, you should first check whether your ID card is lost. If the bank handles a credit card or a debit card, it should be reviewed according to the person's card. Only after the examination can be processed. Therefore, it is impossible to do the card only by ID card and ID card information. If the bank fails to fulfill its review responsibility, the bank shall bear legal responsibility. However, if the identity card is deceived, it should immediately apply for and report to the public security organ that issued the certificate. If the resident ID card is lost and used by others, the fraudulent person and the relevant department shall bear the corresponding legal responsibilities, and the loser shall not be liable for the act that he has not implemented. The "Resident Identity Card Law" also clearly stipulates that if the identity card of another person is fraudulently used, the public security organ shall impose a fine of not less than 200 yuan but not more than 1,000 yuan, or be detained for less than 10 days. If there is illegal income, the illegal income shall be confiscated. Here, I also remind you that in order to reduce unnecessary troubles, important identification documents such as resident ID cards should be kept safely to prevent loss and theft as much as possible. In the event of an impersonation card, the first thing to do is to report the loss of the ID card, then call the police, and then inform the bank to explain the situation. Since banks can't do cards with their ID cards, banks have to bear a lot of responsibility.
Xiao Bian reminds you that the issuing bank should improve the credit rating system, strengthen the supervision of the card issuance, and avoid being charged by the impersonation credit card. The above is the relevant information for you to summarize, I hope to help you, this website is committed to building an excellent legal consultation platform, if you still have questions, welcome to enter a lawyer.
What if I am charged with a credit card?
Almost everyone has a credit card, credit card can provide settlement services, convenient shopping, enhance security, and bring great convenience to our lives, then what are the advantages of credit cards? What if you are charged with a credit card? Edited for you to summarize the relevant knowledge for your reference, I hope to help you.