There may be two cards when applying for a credit card:
1. When applying for a credit card, the daughter card option will be checked.
Nowadays, credit cards have their own supplementary cards, which are usually prepared for the wife, children or parents of the main cardholder. If you don't pay attention to the secondary card option when applying for a credit card, there may be two cards, the main card and the secondary card, when you apply for a card. The secondary card also has a quota, and the quota of the secondary card can be freely specified, but it cannot exceed the quota of the main card.
2, bank staff in order to complete the business.
Now many bank staff have credit card marketing tasks, so when you apply for a credit card, you may give an extra card, but the credit card quota is the same, and the quota of the two cards is also shared, so which credit card you use is the same.
If it's not for the above reasons, it's better to consult the bank's customer service for a credit card, or go directly to the counter for a credit card.
Credit card 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.
check
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.
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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.
What about two credit cards at a time?
Some credit cards of China Bank adopt the card issuing mode of 1 1, that is, two cards can be issued at a time. If you have any objection, you can call the customer service hotline.
It should be explained from two aspects. Generally, these two credit cards belong to one set of cards, which have the same function and can be used independently. If you look closely, you will find that one card has the common UnionPay logo in China, and the other card is a more widely used VISA card or MASTER card in the world.
In recent years, the whole world is pushing forward the process of bank card chip, and UnionPay standard and international EMV standard cannot be integrated on one card. In order to facilitate users to settle accounts at home and abroad, banks will issue two kinds of credit cards. Among them, users can use UnionPay cards to spend in China, and use Visa or MasterCard to spend abroad or Haitao.
Extended data
The credit card limit of the same bank is shared. If you want to cancel your account, you can apply to China Bank for cancellation. Unlike the credit cards issued by other commercial banks, the credit cards of China Bank cannot be cancelled through the credit card service hotline. You need to bring your ID card to the business outlets of China Bank, and the counter staff will cancel it.
If China Bank credit card holders are unwilling to use BOC series credit cards for various reasons, please cancel your credit card to avoid automatic deduction of annual fee.
China Bank's credit card account cancellation method: the cardholder calls the 24-hour customer service hotline to apply for account cancellation, and China Bank will check the status of the credit card under the customer's name.
If the account cancellation cannot be completed immediately, the bank will cancel the account for the customer 45 days after the cardholder applies for account cancellation and there is no debt or balance in the customer's account; If there is still debt, the bank will take the initiative to inform the customer to repay as soon as possible and complete the account cancellation; If there is any balance, you can go to the branch of China Bank to return the balance. When the main credit card of BOC is cancelled, all the subsidiary cards under its name will be cancelled.