I. Handling at the bank counter
Applicants can bring relevant proof materials, such as property ownership certificate, deposit certificate, driving license and other copies of assets, and submit them to bank outlets for credit card application. This is suitable for people who have a house, a car, a deposit and a stable job to apply. The more information they can prove their assets, the higher the credit limit. At the same time, if in doubt, you can ask the bank staff on the spot. Disadvantages are slow review speed and time-consuming queuing.
2. Bank official website application.
The applicant logs into the bank official website for online application, fills in relevant information, and after the bank automatically checks and approves the credit card limit. The biggest advantage of applying for a credit card online is to save time. However, after getting off the card, you need to go to a nearby bank to activate it ("face-to-face signing")
Third, the bank clerk will recommend it.
Bank staff suggest applying for a credit card by visiting customers at home. Through this channel, they can learn about the latest development of credit cards from the staff. However, after filling in personal information, there may still be some unsafe factors for personal information security.
Fourth, third-party platform applications.
The biggest advantage of applying for a credit card through a third-party platform specializing in credit cards is that you can fully and carefully understand the characteristics and functions of various credit cards of major banks. It is worth noting that when we select the link that needs to apply for a card, the page will jump to the corresponding card-issuing bank application page, so we must carefully screen it to prevent personal information from being stolen by criminals after entering the phishing website to fill in the information. The disadvantage is that it still needs to be activated at the nearest issuing bank after the card is issued.
Finally, I would like to remind you that there is no charge for handling credit cards, and the card issuance is determined according to the applicant's own conditions, such as personal credit information, personal assets and occupation.