What is a credit card? A credit card with a card means that the cardholder applies for another credit card through the good record of the credit card after applying for the first credit card.
Credit card conditions
1. Other bank credit card
First, we need a credit card from another bank. This credit card is a stepping stone for us to apply for a new card. With this card, we can apply on demand.
2. Credit history
Cardholders generally need to use the original credit card for more than 6 months, and there are no bad records such as accidents and malicious overdrafts during your use.
3. Author's name or source note
The average credit limit of your existing credit card should be no less than 5000 yuan. Why? Generally, there are several reasons for your small credit limit: poor personal credit, limited repayment ability and incomplete application materials. Only when the bank thinks you are more risky will they give you a small sum of money. In order to avoid risks, other banks are of course reluctant to grant you credit cards.
Credit card credit card limit
After applying for a credit card, the bank will make a comprehensive evaluation based on the information you submitted. If you want to get a higher quota, you need to provide some financial proof materials, such as real estate, cars, deposits, etc. Generally speaking, if you hold a bank credit card and have a good credit card consumption record, you have accumulated some credit records. Personal credit records are common among banks, so the approval of the next bank will be much simpler. When you apply for the same bank credit card again, the approved credit limit will be higher than the previous credit card. Banks using credit cards will also refer to your credit card limit and give you the same or higher credit card limit.
How to get a card online?
Generally speaking, applying for an online credit card with a card is an appointment, and then the business staff will contact you. The next procedure is the same as the door-to-door card application. It's just that you need to provide your existing credit card as the entrance to the card review, and you need to provide a copy or photo. Other procedures are the same as ordinary card application. The banks that support card processing include China Merchants, Huaxia, China Everbright, Shanghai Pudong Development Bank, Ping An, CITIC, Guangfa and many other banks.
How to apply for a credit card online?
You can complete the credit card APPlication online through the official website of Bank of China (), official account of credit card WeChat, colorful life app, mobile banking and online banking. If there are Bank of China outlets nearby, you can also bring valid certificates such as ID cards, as well as proof of economic sources and income, and fill out an application form at the Bank of China outlets to apply.
The above contents are for your reference. Please refer to the actual business regulations.
How to apply for a credit card online?
Credit card application online application process:
First of all, credit applications are divided into online and offline. Offline outlet application: First, prepare the application materials needed for the application, then go to the bank outlet to get the application form, fill it out and submit it together with the application materials, and then wait for the audit results.
Online application:
1, online booking application
2. Three to five working days after the appointment, a staff member will contact you to collect information.
3. It takes about 7 to 10 working days for the banking system to review personal information and call back.
4. If approved, the credit card will be sent in about 10 working days.
Among them, for most people, the conditions for applying for a credit card are similar. To apply for a credit card, you must meet the basic requirements, that is, the applicant must be a China native or a foreigner with permanent residency in China and compatriots from Hong Kong, Macao and Taiwan, with full capacity for civil conduct, a legal and stable source of income and a good credit standing.
In addition, if you can provide other financial documents (such as bank payroll records, income tax withholding vouchers, or documents proving the market value of houses, automobiles, deposits and investments, such as the copy of real estate license/automobile driving license/bank time deposit certificate, etc. ), can prove their economic level. Other documents for reference include: personal account list of social insurance in the last 6 months, water, electricity and gas bills, credit card bills of other banks, etc. ), which will be more helpful to understand your personal situation and judge the credit limit.
If the application is made by a minor, the consent of the guardian must be obtained. To apply for a credit card, you must have a stable job and the ability to repay on time every month; At the same time, the applicant must have good credit, and the bank with bad credit will refuse to release the card.
Relatively speaking, it is easier and more convenient to apply for a card online than offline, but in the end, it is necessary to have good credit information to prevent China Bank from refusing to release the card because of poor credit information during the card application process.
The following are the credit card channels of Ping An Bank, China Merchants Bank, Industrial and Commercial Bank, Agricultural Bank, China Construction Bank, Minsheng Bank, China Everbright Bank and China CITIC Bank. You can apply for it yourself if necessary!
Credit card applications of China Merchants Bank and Ping An Bank
Credit card applications of China Everbright Bank and China CITIC Bank
Credit card applications of Agricultural Bank and Minsheng Bank
This concludes the introduction of credit card application and credit card application. I wonder if you have found the information you need?