How to apply for a credit card on a mobile phone
The channels for applying for a credit card on a mobile phone include mobile banking and third-party platforms. Taking mobile banking as an example, the general application steps are as follows:
1. Open mobile banking and log in to your personal account;
2. Click "Apply for Credit Card" to enter the interface;
3. Find and click "Apply for Card";
4. Enter your name, ID number, mobile phone number, unit location, education, position and other information;
5. Check "I have read and understand the "xx Credit Card Terms and Conditions", " xx Credit Card Receipt Agreement" and relevant information of the bank card, and are willing to abide by various rules", then click "Get Verification Code";
6. Enter the SMS verification code and click "Submit" and wait. Just review.
The steps for applying for a credit card through mobile banking of different banks may be slightly different. Please pay attention to the page prompts when applying.
What are the requirements for applying for a credit card?
At present, there are many credit card issuing institutions in various banks. For different customer groups, the emphasis on personal credit requirements is different, and the specific requirements are different, but some basic basic conditions are the same:
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1. Aged between 18 and 65 years old;
2. Have a stable career and income;
3. Have good credit and repay on time The ability to pay interest;
4. Natural persons with full capacity for civil conduct (robots, vegetative persons, minors, and mental patients to a certain extent are not allowed).
If you have not met the conditions for applying for an ordinary credit card, you can apply for an additional card through your parents or spouse. To apply for an additional card, you must meet the following conditions:
1. Have full civil Natural persons with capacity or limited capacity for civil conduct
2. Over 13 years old
3. Applicants for supplementary cards who are under 16 years old must provide a copy of their household registration book when applying.
It is worth noting that some cards are not available to everyone and have some special requirements for cardholders. For example: CITIC Bank Magic Credit Card can only be applied for by women
b. Relevant credit certificates that applicants need to provide:
1. Fully prepare various asset certificates. Generally speaking, if you already have one or more credit cards and have a good repayment record, you generally do not need to provide proof of income or assets. You only need to copy the credit cards you already own when applying and attach them to the application form. Just send it (even if the credit card you have is not the card of the bank you are applying for, it is OK, because each bank can check your credit status through the personal credit information system of the Central Bank. Good consumer credit and repayment credit are the most important things for banks. valued).
If you are applying for a credit card for the first time, because you do not have any consumer credit record, the bank mainly relies on your various income and asset status to decide whether to approve the card and the size of the credit limit. Generally speaking, if you are applying for a credit card for the first time, the limit will not be too high unless you can provide sufficient proof of assets, such as income proof, house ownership certificate, mortgage purchase certificate, car title certificate, bank deposit certificate or Securities certificates, etc. Of course, in addition to asset certificates, other certificates that can prove your personal abilities will also help you obtain high-limit credit cards, such as academic certificates, technical level certificates and other qualification certificates.
2. Fill in the application form carefully.
Generally speaking, the following aspects on the application form will affect the bank's credit evaluation score (the higher the credit score, the higher the chance of obtaining credit card approval, and the higher the limit): 1. Whether there is a landline in the city Number (having a landline phone number in this city means that your place of residence is stable, which will increase the bank’s credit evaluation score); 2. Whether you are married (married has a higher score than unmarried); 3. Whether you have a household registration in this city (this city The score of household registration is higher than the score of household registration in other places); 4. Whether there is a house (the score of owning a house is higher than not having a house, and the score of self-living is higher than living with parents); 5. Educational level (the higher the education level, the higher the score) ; 6. Nature of the work unit (the more stable and well-known the work unit is, the higher the score. For example, government institutions, large state-owned enterprises, and Fortune 500 companies all have higher scores, while unknown private companies and small foreign companies have lower scores) ; 7. Position status (the higher the position, the higher the score. For example, civil servants and company managers score higher than ordinary employees).
How to apply for a credit card via mobile phone
As for how to apply for a credit card via mobile phone, you can use the following methods.
1. Apply for a credit card on the mobile web page
Search directly on the mobile browser for the official website of the credit card you want to apply for. After entering the website, click on the application page for the credit card and select the type of card to apply for. , read and agree to the relevant regulations, fill in the relevant information on the application page, and then submit.
2. Apply via bank mobile client
This is the most direct and safest way to apply for a card. You only need to download the mobile APP of a certain bank and then find the relevant information in the app. The processing window, and then follow the process step by step. However, this method can only view the credit card information related to a single bank and cannot compare it with other banks. This makes it difficult for many cardholders who do not know what kind of credit card they want to apply for.
3. Apply for a credit card on WeChat
WeChat is not only a social tool, but also meets people's needs for shopping, reading, financial management, etc. You can also apply for a credit card. Almost every bank has a WeChat public platform, which can provide customers with "one-stop" services such as credit card application, progress inquiry, credit card activation, bill inquiry, etc. Customers can apply for a credit card as long as they follow the official account of the issuing bank of the credit card they want to apply for. And after binding a credit card on WeChat, you can query credit card related information with one click, which is very convenient and fast.
4. Apply for a card on mobile QQ
First, log in to mobile QQ, then click on the personal avatar in the upper left corner and select the "QQ Wallet" option; secondly, click on "QQ Wallet" In the lower left corner of "Wallet Account", you will see our wallet account balance and other information. At the bottom is "Apply for Credit Card". Just follow the prompts.
5. Application for other third-party applications
How to apply for a credit card on a mobile phone
Method 1. Directly use the mobile webpage to apply for a card
You can directly log in to the online banking credit card online application page of the bank of your choice using Baidu mobile phone, select the card type to apply for, read the application contract and important tips, then select and fill in the relevant information and materials, and finally submit the information.
Characteristics of this method: single choice, only one bank can be selected, and cannot be compared with other banks.
Operating environment:
Brand model: Huawei nova7
System version: harmonyOS.2
App version: v13.3
p>Method 2: Call the bank’s customer service number to apply for a card
After selecting a bank, you can also use your mobile phone to call the bank’s credit card customer service number, and then transfer to manual, and the customer service staff will help you Register well, and soon a salesperson will call you to make an appointment, and the salesperson will come to your door to handle it for you.
Characteristics of this method: The waiting time for the salesperson may be a bit long, and it requires enough patience.
Method 3: Apply for a card on WeChat
Nowadays, almost everyone can use WeChat by using their own WeChat to scan the QR code on the official website of the selected bank or "add friend" or Find the bank's credit card public account, and after following it, you can follow the prompts in the WeChat dialog box to apply for a credit card, check the progress, open the card, and check the bill. It can be described as a "one-stop" service.
Characteristics of this method: It will be more convenient to check various credit card information in the future, but the selection is still too single.
Operating environment:
Brand model: Huawei nova7
System version: harmonyOS.2
App version: v8.0.18
p>CreditCard is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.
The form of a credit card is a card with the name of the card-issuing bank, validity period, number, cardholder name, etc. printed on the front. Consumers holding credit cards can go to a special commercial service department for shopping or consumption, and then The bank makes settlements with merchants and cardholders, and cardholders can overdraw within the prescribed limit.
That’s it for the introduction on how to open a credit card via mobile phone.