I forgot the card number and password of the 7-day hotel chain and lost my mobile phone. How can I get a new card?

Credit card is a special carrier card issued by commercial banks to individuals and units, which is used to buy goods from special units and deposit and withdraw cash from banks. It is in the form of a card with the name of the issuer, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Credit cards are divided into credit cards and quasi-credit cards according to whether the reserve funds are deposited in the issuing bank. Credit card is a credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. Quasi-credit card is a credit card that deposits a certain amount of reserve money according to the requirements of the issuing bank. The credit card we are talking about now generally only refers to the debit card.

The most popular saying is that when your shopping demand exceeds your ability to pay, you can borrow money from the bank. A credit card is a certificate that the bank promises to lend you money according to your credit status. Your credit card will remind you how much money you can borrow from the bank and when to pay it back. Credit cards will also record your personal data and consumption details, thus providing you with all-round financial services.

From the appearance, the credit card is the size of an ID card, generally made of special plastic, with specially designed patterns, the name and logo of the card issuer printed on the front, and the card number, cardholder's name, expiration date and other information printed in a convex or flat way; On the back of the card, there is a magnetic stripe for recording relevant information, a signature strip for the cardholder's signature and a description of the card issuer.

It is a consumer payment tool and the most popular plastic currency after cash at present.

A credit certificate issued by a bank or company, which proves that the holder has a good reputation and can keep accounts and spend money in a designated store or place. Ordinary credit cards, such as identity cards, are generally made of special plastic, and the cardholder's name, number and expiration date are printed on the credit card with raised letters. In order to prevent fraudulent use, in recent years, some credit cards have pictures of cardholders printed on them. When the customer checks out, he only needs to hand in the credit card to the store, and the cashier will put the credit card on the stamping machine for stamping, and those raised words will be printed on the triple document, and then the cardholder will sign the document. After checking that the signature on the document is consistent with the signature pattern on the credit card, the cashier in the store will identify the charge-to-account consumption, and the cardholder can buy the required goods without paying cash. Credit card holders can not only buy all kinds of goods, eat, entertain and stay in special merchants, but also overdraw a certain amount of cash in the bank designated by the card issuer. Special merchants and designated accepting banks collect money from the card issuer with the bill signed by the cardholder, and then the card issuer sends it to the cardholder for verification and payment within the prescribed time limit. When the cardholder pays off, the card issuer will charge interest on the overdraft as required. If you don't pay at the due date, you will be charged a penalty interest.

The origin of credit card

Credit cards originated in America 19 15.

The earliest institutions that issued credit cards were not banks, but some department stores, restaurants, entertainment industries and gasoline companies. In order to attract customers, sell goods and expand turnover, some shops and restaurants in the United States selectively give customers a credit chip similar to a metal badge in a certain range, which later evolved into a card made of plastic as proof of customers' purchase and consumption, and used the credit chip to buy goods in our firm or company or gas station and launch credit sales services. Customers can buy goods on credit in these chip shops and their semicolons, and pay on time. This is the prototype of credit card.

It is said that one day, Frank McNamara, an American businessman, entertained guests in a restaurant in new york. After eating, he found that he forgot to bring his wallet. He was deeply embarrassed and had to ask his wife to bring cash to the restaurant to settle the bill. So McNamara came up with the idea of creating a credit card company. 1 In the spring of 950, McNamara and his friend Schneider jointly invested110,000 US dollars to establish DinersClub in new york, which is the predecessor of Diners Credit Card Company. Diners' Club provides members with a card that can prove their identity and ability to pay. With this card, members can keep accounts and spend money. This kind of credit card that does not need to be handled by a bank is still a commercial credit card.

From 65438 to 0952, Franklin National Bank of California, as a financial institution, issued the first bank credit card.

1959, Bank of America issued an American bank card in California. Since then, many banks have joined the ranks of card-issuing banks. In 1960s, bank credit cards were widely welcomed by all walks of life and developed rapidly. Credit cards are popular not only in America, but also in Britain, Japan, Canada and European countries. Since 1970s, Hongkong, Taiwan Province, Singapore, Malaysian and other developing countries and regions have also started to issue credit cards.

What are the classifications of credit cards?

There are many types of credit cards, which can usually be divided into the following six standards:

(1) According to credit card issuers, it can be divided into bank cards and non-bank cards;

(2) According to the storage medium of credit card information, it can be divided into magnetic stripe card and chip card;

(3) According to different payment methods, it can be divided into: credit card, quasi-credit card and debit card;

(4) According to different settlement currencies of credit cards, they can be divided into foreign currency cards and local currency cards;

(5) According to the different circulation scope, it can be divided into international cards and regional cards;

(6) According to the number of credit card accounts, it can be divided into single-currency credit cards and dual-currency credit cards;

(7) According to the affiliation of credit cards, they can be divided into main cards and subsidiary cards;

(8) According to different credit card issuers, it can be divided into corporate cards and personal cards;

(9) According to the credit status and credit status of cardholders, it can be divided into unlimited cards, platinum cards, gold cards and ordinary cards.

(10) According to the different shapes of credit cards, they can be divided into standard credit cards and irregular credit cards.

What does the appearance of a credit card include?

The front of a credit card generally includes the following contents:

(1) The registered trademark pattern and card organization logo of this credit card;

(2) Credit card special mark or anti-counterfeiting mark;

(3) Issuer's code, credit card number, phonetics of cardholder's name, expiration date, etc.

The back of the credit card has the following contents:

(1) A magnetic tape, which records the cardholder's account number, available amount, personal password and other information;

(2) The credit card holder signs, and the last three digits of the card number in the signature column are used for security authentication;

(3) A simple statement by the issuing bank;

(4)24-hour customer service hotline

What are the advantages of credit cards?

(1) Cardholders can get goods and services without paying cash, which avoids the inconvenience and risks of consumers carrying a lot of cash and facilitates consumers to go out for shopping, business trips and tourism.

(2) Banks can use this as a means to win deposits from merchants and customers with credit cards, and charge a certain percentage of commission according to the total amount of advance payment.

(3) Credit cards closely link issuers, cardholders, special merchants and correspondent banks, forming a circular chain of creditor's rights and debts. The establishment and development of this relationship depends on the credit provided by each other.

How can credit cards generate income for banks?

Some people are shocked by the bank's high quota or interest-free period, and think that credit card is almost a "public welfare" cause. In fact, credit card is the most profitable cake for banks in traditional industries. Credit card business income comes from:

(1) Annual fee (at present, banks with advanced business concepts have gradually given up this piece, which is in line with international practice)

(2) Revolving interest (the annual interest rate is above 18%, which cannot be compared with any other business).

(3) Credit card handling fee, although the customer pays according to the marked price, the merchant has to pay the handling fee (charged by the acquiring bank) to the issuing bank, acquiring bank and settlement institution, which is also an important income of the issuing bank.

What is the operation process of credit card?

The process is as follows:

(1) Cardholders use their cards to spend money and sign purchase orders.

(2) Merchants provide goods or services to cardholders.

(3) The merchant submits the purchase order to the issuing bank.

(4) The issuing bank pays the merchant.

(5) The issuing bank sends a payment notice to the cardholder.

(6) The cardholder returns the loan to the issuing bank.

Credit card application conditions?

The principal credit card applicant must be 18-60 years old if he is a local resident, and 25-60 years old if he is a foreigner; The supplementary card applicant must be the parent, spouse or child of the main card holder (18 years old or older). The above contents are the most basic conditions for credit card application. But people who meet the above conditions may not be able to apply for a credit card.

Strictly speaking, the application conditions of different banks' credit cards belong to the bank's secret, because once the bank announces its application conditions, someone will definitely cheat on the conditions, resulting in inaccurate credit evaluation. Generally speaking, as long as you have a stable job and a good income, you can try to apply for a credit card.