Can I go to the bank to apply for a debit card for credit card arrears?

If the credit card is in arrears, you can go to the bank to apply for a debit card.

Debit cards can only be processed with valid certificates such as ID cards, and there is no requirement for personal credit.

Debit card function

1, cash deposit and withdrawal. Debit cards mainly have the functions of local and foreign currency savings, time savings and current savings. Debit cards can be used to deposit and withdraw money at card-issuing bank outlets and self-service banks, or at ATMs in China and even around the world.

2. Transfer and remittance. Cardholders can transfer or remit money to other accounts through bank outlets, online banking, self-service banking and other channels.

3. Credit card consumption. Cardholders can use debit cards to spend money at merchants.

4. Collection and payment. Debit cards can be used to pay salaries and pay various fees (such as communication fees, water fees, electricity fees, gas fees, etc.). ).

Extended data:

Credit card arrears collection?

1. The bank has the right to call customers and guarantors directly by telephone, letter, SMS, WeChat, e-mail, face-to-face or judicial channels, and ask the contacts, close relatives and work units provided by customers to inform them of the call.

2. Banks have the right to make a collection announcement through the news media, announce the list of customers with bad behaviors to the society or relevant parties, and have the right to apply to the people's court to include customers who have not fulfilled their judgment obligations in the list of people who have been executed for dishonesty, which will be publicized to the society by the people's court, and the people's court can announce the list of people who have been executed for dishonesty through newspapers, radio and other means. ?

3. The customer authorizes the bank to directly deduct funds from the margin account opened by the customer and any other account to pay off GDB card debts, and the bank does not need to inform the customer before deduction. If the currency of the above account is inconsistent with that of the GDB account, it will be used to offset the exchange rate announced by the bank on the day of arrears. ?

China Guangfa Bank-Credit Card Customer Agreement (Personal Card)

Baidu encyclopedia-debit card