Beibu Gulf Credit Card

What is the credit card application process of Beibu Gulf Bank?

Guangxi Beibu Gulf Bank is very common in Guangxi, and many local friends have their own banking business in Beibu Gulf Bank. There are some friends who want to apply for a credit card at Beibu Gulf Bank, but they don't know what the process is. Let me talk about the credit card application process of Beibu Gulf Bank.

1. Go to the outlets of Beibu Gulf Bank first and find the bank account manager.

2. Fill in the credit card application form.

3. Provide a copy of ID card, proof of salary and income, and proof of personal financial resources.

4. Finally submit the application form.

The above is the introduction of the credit card application process of Beibu Gulf Bank. If you don't know the application process, you can refer to the introduction above.

Is there a grace period for Beibu Gulf Credit Card?

Beibu Gulf Credit Card has a grace period. The new "China Bank Card Industry Self-discipline Convention" was formally implemented. According to the provisions of this convention, all banks will implement "time tolerance" repayment for credit cards. If the amount within 3 days is less than 10 yuan, it will be deemed as timely repayment. For credit card holders, the "small change" owed to the credit card will not be punished. However, despite the "grace period", people in the industry still remind that the repayment should be timely to avoid accidental overdue. In view of the non-malicious small debts owed by credit card holders, the new "China Bank Card Industry Self-discipline Convention" stipulates that banks should provide cardholders with "time-tolerant service" and "tolerance service". "Prescription service" means that the bank provides cardholders with a certain period of repayment grace period, and the repayment grace period is delayed by at least 3 days from the last repayment date. If the cardholder repays in full within the repayment grace period, it shall be deemed as timely repayment, and no interest shall be calculated. "Tolerance service" means that after the due repayment date, when the unpaid part of the cardholder's account is less than or equal to a certain amount, it is deemed that the cardholder has repaid in full, which is not within the scope of full interest. Because there are many repayment channels at present, many repayment channels are sometimes delayed, which will easily lead to overdue repayment, not only paying late fees, but also affecting personal credit records.

Product disadvantages:

1. Credit cards can easily lead to excessive consumption. This is a common problem for people who are caught in card debt, and swiping the card does not hurt the banknotes, so the consumption of swiping the card is even more unrestrained.

2. The annual interest rate of credit card is as high as 18%, which is true and can make the borrower lose blood quickly.

3. Credit card debt brings mental stress. Some card slaves report that they are often afraid of opening mailboxes or emails.

4. If the credit is not good, the cost of borrowing money is higher, or even you can't borrow money.

5. Credit card provides a kind of choice to support debt by debt and quench thirst by drinking poison, which leads to debt out of control.

In addition, many "benefits" are actually hidden traps.

7. Short-term preferential interest rates are not worth the loss. A certain proportion of people will turn emergency financing into long-term debt. Therefore, don't be tempted by short-term low interest rates to make unnecessary loans.

8. Excessive personal credit limit is not only evidence of good credit (repayment record is), but also a risk in the eyes of financiers, which may push up the loan interest rate.

9. Gifts for feedback programs tend to be dusty. It is better to save money directly than to get gifts through consumption.

Why should I pay 399 for Beibu Gulf Credit Card?

Annual credit card fee. Beibu Gulf Credit Card has to pay 399, which is the annual fee of the credit card. Guangxi Beibu Gulf Bank is a provincial-level city commercial bank approved by the China Banking Regulatory Commission and the People's Government of Guangxi Zhuang Autonomous Region, which conforms to the opening and development strategy of the national Beibu Gulf Economic Zone. Founded on June 23, 2008.

This is the end of the introduction of Beibu Gulf Credit Card and Beibu Gulf Credit Card APP. I wonder if you found the information you need from it?