Should I apply for a credit card in person?

Should I apply for a credit card in person?

Applying for a credit card needs to be done in person and cannot be done on behalf of others. You need to provide a photocopy of your ID card, proof of income and other materials, and fill in your address, work unit, relative contact person and other information as prompted on the application form.

If it is not convenient to apply for a credit card at an outlet, you can directly visit the bank's official website. As long as you fill in the relevant information, bank staff will come to collect the applicant's information.

If the applicant is under 18 years old, his or her parents can help him/her apply for an additional card. To apply for an additional card, the applicant must meet the following conditions:

1. Have full capacity for civil conduct or limited civil conduct. A capable natural person;

2. Over 13 years old;

3. Applicants for supplementary cards who are under 16 years old must provide a copy of their household register when applying.

Do I need to go in person to apply for a credit card? Do I need to go in person to apply for a credit card at a bank?

You also need to have proof of employment or other information

1. There are two main requirements for credit card application:

1. Age requirement: 18-60 years old;

2. Have a stable job and source of income.

2. Materials and documents required for application:

1. Domestic residents only need to provide: completed and signed application form, identity certificate file, residence certificate file , income certificate files;

2. Foreigners and people from Hong Kong, Macao and Taiwan also need to provide: Foreigner’s residence permit (the reason for residence must be employment) or employment permit for foreigners/Hong Kong, Macao and Taiwan;

3. If you are a private owner, in addition to the above information, you must also provide: a photocopy of the industrial and commercial business license showing the applicant’s name, company name and date of business commencement.

3. If you want to apply for a credit card with a relatively large limit, you need to provide proof of good financial strength, such as: a photocopy of the real estate certificate, a photocopy of the car driving license; a bank loan account (with good credit, no more than 100 yuan overdue) 60 days) or a copy of the deposit receipt, etc.

4. Application methods:

1. Apply at the bank counter;

2. Apply on the official credit card website;

3. Apply to the bank for credit card Salesperson application;

4. You can apply on WeChat;

If you meet the application conditions for China Merchants Bank credit card, you can try to apply. The most important requirements for applying for a China Merchants Bank credit card are that you are between 18 and 60 years old (25 to 60 years old for foreigners), have certain financial capabilities and have a good credit record. The credit card application result shall be subject to our bank's actual audit. The necessary application files are a copy of your identity certificate and employment certificate. If you can provide other financial proof files, it will be more helpful for us to understand your personal situation and determine your credit limit. If you are interested in a China Merchants Bank credit card and have never held a credit card from our bank, you can apply in the following four ways: 1. Please log in to the credit card website and select "Apply for Credit Card" - "New Customer Application"; 2. Please bring your Please go to any CMB branch in person to apply for the original identity certificate, work certificate and financial certificate file; 3. You can also call the customer service hotline, select "3#" in the voice to apply for credit card consultation, and then select "1" to transfer The service specialist will register you and notify our local staff to contact you to confirm your application. 4. If you have applied for the professional version of our bank’s online banking, you can apply through the professional version. Please note that the credit card status will be subject to the final audit results.

Can I apply for a credit card without going in person?

You can fill in the application form yourself and have your friend hand it to the bank

But your friend is not allowed to fill it out on your behalf, because your signature needs to be retained by the bank in case of transaction disputes.

Can someone other than the person apply for a credit card?

Under normal circumstances, a credit card cannot be applied for by someone other than the person in question. When applying for a credit card in accordance with the bank's regulations, the applicant needs to have good credit, comply with the bank's regulations, and apply in person. You can only apply in person to sign. If you don't appear in person, it will generally not be approved (applicants need to issue a notarized power of attorney to entrust others to handle it on their behalf in special circumstances, but the bank's audit decision is required). Please refer to the following conditions for applying for a credit card:

1. Age requirements: between 18 and 65 years old;

2. Income and asset requirements: stable career and income;

3. Credit and ability requirements: good Credit and ability to repay interest on time;

4. Have full capacity for civil conduct;

5. Provide originals of various certificates.

Can someone pretend to be me to apply for a credit card?

You should first understand what is going on. You must use your ID card to apply for a credit card, especially when you activate a credit card, you must have an ID card. You should keep your documents well to avoid unnecessary trouble. You must first call the police and then withdraw the card through your bank.

Do I need to apply for a credit card in person?

You can ask someone to go to your company to apply for it. Nowadays, many banks go to office buildings to sell it. You can just apply directly. Or some credit cards can be applied for online.

The bank that applies for the credit card does not require your signature. No?

Must be signed by me.

If the China Merchants Bank savings card is a salary card, can it be used to apply for a credit card? Can't I go in person?

Credit cards and debit cards are two cards. The conditions for applying for a credit card include the applicant’s ID card and one-year social security card, or a college certificate and ID card can be applied for. You can call the customer service number of China Merchants Bank Credit Card If you ask, you can find the phone number online. You can also apply for a credit card through China Merchants Bank Credit Card Online Banking. The bank will apply for a credit card limit based on the information you fill in. After the information passes the audit, the card issuer will mail it to you, and then you can log in to the credit card online banking to open the card, or you can call to open the card~

The answer is not very detailed~ I hope my answer can be helpful Help you clear up your doubts~

Can I apply for a credit card if I am not the person?

Under normal circumstances, I cannot apply for a credit card if I am not the person. When applying for a credit card in accordance with the bank's regulations, an applicant is required You must have good credit, comply with bank regulations, and sign in person to apply. If you don't show up in person, the application will generally not be approved.

If the applicant has special circumstances and needs to find someone to do it on his behalf, then he needs to issue a notarized power of attorney to entrust someone else to do it for him. Of course, this also needs to be reviewed and decided by the bank. It does not mean that you can pass the application if you have someone do it for you. of.

So, if you want to apply for a credit card, it is better to do it yourself.

In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can apply for a credit card from the card issuing bank. Sometimes, legal persons can also be applicants.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country.

Each unit applying for a credit card can receive 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 a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank.

After the customer fills in the application form truthfully, he or she must also submit relevant credit certificates while submitting the completed application form.

The application form is accompanied by a credit card use contract. The applicant authorizes the card issuer or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card issuer's privacy protection policy, etc., and must have an application. A person's autograph.

After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. The creditworthiness of the applying unit must be evaluated, and the relevant circumstances of the guarantor must also be reviewed for individuals.

Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation.

The factors considered include the applicant’s past credit record, the applicant’s known assets, professional characteristics, etc.

The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand. The standards of each card-issuing bank are also different. Therefore, the same materials may be issued with different credit limits and different types of credit cards in different banks. Some banks may even approve the application, while others may reject it. .

Can I unlock the card on my behalf after successful repayment?

No, all credit card business needs to be handled by myself. If I am unable to handle it due to some special reasons, I can issue a written power of attorney and entrust others to handle it on my behalf.

Can I entrust someone else to apply for a credit card for me?

You cannot entrust others to apply for a credit card. The credit card application information must be signed by yourself, and you cannot entrust others to apply for it.

No matter which bank we apply for a credit card, if we want to apply successfully, we need to meet the credit card application conditions. Generally, the conditions for applying for credit cards from different banks and different card types will be slightly different. However, If a user wants to apply for a credit card, no matter which bank, they need to meet the following basic processing conditions.

1. The age of the credit card applicant needs to be between 18-60 years old and a legal citizen of my country with full capacity for civil conduct;

2. The credit status of the credit card applicant Must be in good standing and must not have serious overdue repayment records;

3. Credit card applicants must have stable economic income.

Generally, users who meet the above conditions can apply for a credit card at the bank. However, if the user wants to apply for a gold card, special card type and other credit cards, they need to meet the bank’s special regulations. For example, if you apply for a gold card, then the income will be The application must reach a certain amount before the application can be processed, etc. For specific conditions, users can directly ask the handling bank when applying.

Credit card application process

After the user decides to apply for a credit card, he or she can apply for the credit card through bank branches, bank official website, or door-to-door credit card staff. The specific application process is as follows:

1. Apply for a credit card at a bank outlet:

After selecting the bank you want to apply for, you can go directly to the bank outlet with your ID card, and then inform the bank lobby manager that you If you need to apply for a credit card, the lobby manager will give you a credit card application form at this time. Fill in the information according to the requirements of the form, then take your number at the number-taking machine and wait for the counter to call your number. After your number is called, you can go to the counter and apply Submit the form and personal ID card to the staff, and the staff will process it for the user. After successful submission, just wait for the review result.

2. Bank official website processing:

Now each bank has its own official website. Users can visit the official website of their bank, then find the credit card section on the homepage, click to enter and select Please select the type of credit card you want to apply for, submit your application information according to the prompts on the page, and then wait for the review result.

3. Staff will come to handle the application:

Users can call the customer service number of the bank’s credit card center and inform themselves that they need to apply for a credit card and hope that staff will assist with the application. At this time, the bank will Corresponding staff will be arranged to handle the application. You only need to follow the staff's requirements and submit the application.

That’s it for the introduction of whether credit cards can be applied for on behalf of others.