The credit card processing method is as follows:
1. Prepare materials. When you go to the bank to apply for a credit card, you must first prepare the corresponding processing materials, which generally include the original ID card, work certificate, income certificate, etc.
2. Go to the bank to get the number. After you prepare the information, you need to choose a favorite bank outlet and go to the bank self-service number machine to get the number during working hours, ready to handle the business.
3. Fill in the card processing information. Generally, you can ask the bank lobby manager how to fill in the information after taking the number, and fill in the information according to the tips of the staff and the template provided by the bank. The required information is accurate and cannot be erased.
4. Submit information. Fill in the corresponding information and wait for the phone call from the bank counter. After getting the number, go to the counter to submit the information needed to apply for the card and wait for the bank to review it.
5. Anti-audit. After receiving your audit data, the counter staff will review the data according to the corresponding regulations of the bank to see if it meets the conditions for handling credit cards. If there is, it has passed the audit. If you can't do it, it will tell you why.
6. Hairpins are activated. If the bank has issued a card, the bank counter staff will send it to you in time and help you activate it. Since then, your credit card has been successfully processed.
Extended information:
First, the advantages and disadvantages of doing a credit card:
(a) Benefits of credit cards:
1. If there is no deposit for overdraft consumption, you can enjoy an interest-free period of 20 to 56 days.
When shopping, you will get points as a gift.
3. Special merchants who hold cards in banks can enjoy preferential treatment.
4. Accumulate personal credit, and credit records can be added to credit files.
5. You can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo.
6. Some credit cards accept existing points.
7. Mail the statement free of charge every month.
8. Accessory card function, you can manage your finances together, and you can also master your child's financial expenses.
9. In the form of one card and two coins, you can repay in domestic RMB when you spend abroad.
10, 24-hour service hotline, loss reporting takes effect immediately.
1 1. Cooperate with third-party platforms to provide preferential services for cardholders.
(2) Disadvantages of credit cards:
1. Credit cards can easily lead to excessive consumption.
2. The annual interest rate of credit card is relatively high.
3. Credit card debt will bring mental stress.
4. If the credit is bad, the cost of borrowing money will be higher, or even you can't borrow money.
How to apply for BOC credit card?
China Bank Credit Card Application Method:
You can use mobile banking, "China Bank Credit Card" WeChat official account, colorful life APP, personal online banking and Bank of China official website () to do online card processing. You can also bring your valid ID card and economic certificate to the nearest BOC outlet to fill out a paper application form.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
How to apply for a credit card?
The first credit card application method is: the applicant directly applies at the bank counter. If you apply in a bank, you must fill in the information directly. There are bank staff at the scene who can guide me to fill in the relevant information, which can avoid the problem that we are rejected because of the wrong information. At the same time, more qualification certificates and wealth certificates can be issued, which is conducive to improving our final credit card limit. However, it will be relatively slow to review the credit card at the bank counter, because you have to report the information of the branch to the credit card center, and then the card center will review your information. Another way is to apply for a credit card online: now we can apply for a credit card in official website, but this way of applying for a card online is to fill in the information ourselves, which is more likely to lead to the problem of filling in the wrong information, which will lead to rejection. But online processing is mainly convenient without going out, as long as a mobile phone or computer can handle it. There is another way to handle credit cards: through the bank's credit card salesman. We can often see these bankers selling credit cards in shopping malls or other stores. This way of handling cards is to receive awards, but because they are all business personnel, the main purpose is to obtain performance. Therefore, we should carefully weigh some things that guarantee a high amount of credit and ensure card issuance, and don't believe it too much. The process of handling a credit card is 1. Prepare application materials. 2. After the materials are ready, you can apply to the bank or make an appointment online. 3. Then wait for the approval of the bank. During the approval process, the bank will call the applicant to verify the information. 4. After the approval, the bank will mail the card to the applicant, and get the card about 3 weeks after submitting the information successfully. "Legal basis: As a civil act, the credit card business has been stipulated in principle by the General Principles of Civil Law, Contract Law, Criminal Law, China People's Bank Law, Commercial Bank Law and other laws. In Chapter 5 of the Law of China People's Bank, the People's Bank of China examines and approves the establishment, alteration, termination and business scope of financial institutions according to regulations. There are 65,438+03 items in the business scope of Article 3 of the Commercial Bank Law, and the credit school business belongs to 65,438+03 other businesses approved by the People's Bank of China. Violation of laws and regulations is invalid, and corresponding criminal responsibility should be borne.
How to apply for a credit card online?
After the credit card online application has passed the preliminary examination, the card will be sent to the applicant by express delivery.
The card was sent by express. Jinpu cards are generally sent by registered mail, and high-end cards such as platinum cards are sent by express mail. However, it should be noted that after receiving the card, if the applicant is a new customer of the bank, he needs to personally go to the nearest bank outlet for face-to-face signing.
Extended data:
The difference between online credit card application and counter application;
After getting the card, the applicant needs to personally go to the nearest bank outlet for face-to-face signing, otherwise the card cannot be opened. But only for new customers, if they are old customers of the bank, they don't need face-to-face signing.
In addition, the approval rate of applying for credit cards through online channels is higher.
The disadvantage of applying for a credit card online is that the applicant needs to have a fixed job, and it is difficult for people without a job to apply for a credit card online, and they need to submit the corresponding information at the counter; Online credit cards are few because they provide less information.
Phoenix. Com-Analyst's answer: which is better, handling credit cards at the counter or applying online?
How to apply for a credit card
The credit card processing method is as follows:
1. Prepare materials. When you go to the bank to apply for a credit card, you must first prepare the corresponding processing materials, which generally include the original ID card, work certificate, income certificate, etc.
2. Go to the bank to get the number. After you prepare the information, you need to choose a favorite bank outlet and go to the bank self-service number machine to get the number during working hours, ready to handle the business.
3. Fill in the card processing information. Generally, you can ask the bank lobby manager how to fill in the information after taking the number, and fill in the information according to the tips of the staff and the template provided by the bank. The required information is accurate and cannot be erased.
4. Submit information. Fill in the corresponding information and wait for the phone call from the bank counter. After getting the number, go to the counter to submit the information needed to apply for the card and wait for the bank to review it.
5. Anti-audit. After receiving your audit data, the counter staff will review the data according to the corresponding regulations of the bank to see if it meets the conditions for handling credit cards. If there is, it has passed the audit. If you can't do it, it will tell you why.
6. Hairpins are activated. If the bank has issued a card, the bank counter staff will send it to you in time and help you activate it. Since then, your credit card has been successfully processed.
Extended information:
First, the advantages and disadvantages of doing a credit card:
(a) Benefits of credit cards:
1. If there is no deposit for overdraft consumption, you can enjoy an interest-free period of 20 to 56 days.
When shopping, you will get points as a gift.
3. Special merchants who hold cards in banks can enjoy preferential treatment.
4. Accumulate personal credit, and credit records can be added to credit files.
5. You can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo.
6. Some credit cards accept existing points.
7. Mail the statement free of charge every month.
8. Accessory card function, you can manage your finances together, and you can also master your child's financial expenses.
9. In the form of one card and two coins, you can repay in domestic RMB when you spend abroad.
10, 24-hour service hotline, loss reporting takes effect immediately.
1 1. Cooperate with third-party platforms to provide preferential services for cardholders.
(2) Disadvantages of credit cards:
1. Credit cards can easily lead to excessive consumption.
2. The annual interest rate of credit card is relatively high.
3. Credit card debt will bring mental stress.
4. If the credit is bad, the cost of borrowing money will be higher, or even you can't borrow money.
How to apply for a credit card?
1. application
In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph. [8]
Step 2 review
After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.
Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.
Issue cards
After the applicant successfully applies for a credit card, the issuing bank will open a separate credit card account for the cardholder at the issuing bank for shopping, consumption and settlement after cash withdrawal.
Open the card
Because the credit card application is approved by post, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened. Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements. At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card.
After accepting a credit card, a credit card merchant or bank shall review the validity of the credit card and the identity of the cardholder.
identify
The credit card has at least the following information on its surface:
Front: name and logo of the issuing bank, credit card type (organization logo) and holographic anti-counterfeiting logo,++,English or pinyin name, activation date (generally calculated to the month) and effective date (generally calculated to the month). The chip is attached to the front of the newly issued card, and the chip account and the card magnetic stripe account are two relatively independent accounts.
Back: card magnetic stripe, cardholder's signature column (which must be signed after activation), service hotline,++last four digits or all++(to prevent fraudulent use), credit card security code (the last four digits of the signature column on the back of credit card are followed by three digits for credit card activation, password management, TV, telephone and online transactions, etc. ).
authorize
The merchant and the bank confirm that the credit card is valid and contact the bank for authorization according to the contract signed with the issuing bank. Authorization is the amount that can be used to further prove the identity of the cardholder. Authorization is generally carried out when the usage specified in the contract is exceeded.
After receiving the authorization notice, the issuing bank will issue an authorization instruction according to the balance of the cardholder's deposit account and the agreement that the bank allows overdraft, and reply whether to agree to the transaction.
use
Credit cards are usually only used by the cardholder himself, and lending them to others is generally a violation of the use contract.
Let's talk about how to do credit cards here.