The first credit card application method is: the applicant directly applies at the bank counter. If you apply in a bank, you must fill in the information directly. There are bank staff at the scene who can guide me to fill in the relevant information, which can avoid the problem that we are rejected because of the wrong information. At the same time, more qualification certificates and wealth certificates can be issued, which is conducive to improving our final credit card limit. However, it will be relatively slow to review the credit card at the bank counter, because you have to report the information of the branch to the credit card center, and then the card center will review your information. Another way is to apply for a credit card online: now we can apply for a credit card in official website, but this way of applying for a card online is to fill in the information ourselves, which is more likely to lead to the problem of filling in the wrong information, which will lead to rejection. But online processing is mainly convenient without going out, as long as a mobile phone or computer can handle it. There is another way to handle credit cards: through the bank's credit card salesman. We can often see these bankers selling credit cards in shopping malls or other stores. This way of handling cards is to receive awards, but because they are all business personnel, the main purpose is to obtain performance. Therefore, we should carefully weigh some things that guarantee a high amount of credit and ensure card issuance, and don't believe it too much. The process of handling a credit card is 1. Prepare application materials. 2. After the materials are ready, you can apply to the bank or make an appointment online. 3. Then wait for the approval of the bank. During the approval process, the bank will call the applicant to verify the information. 4. After the approval, the bank will mail the card to the applicant, and get the card about 3 weeks after submitting the information successfully. "Legal basis: As a civil act, the credit card business has been stipulated in principle by the General Principles of Civil Law, Contract Law, Criminal Law, China People's Bank Law, Commercial Bank Law and other laws. In Chapter 5 of the Law of China People's Bank, the People's Bank of China examines and approves the establishment, alteration, termination and business scope of financial institutions according to regulations. There are 65,438+03 items in the business scope of Article 3 of the Commercial Bank Law, and the credit school business belongs to 65,438+03 other businesses approved by the People's Bank of China. Violation of laws and regulations is invalid, and corresponding criminal responsibility should be borne.

How to apply for a credit card?

Conditions for applying for a credit card: 1, at least 18 years old; 2. Have a stable repayment ability.

Credit card application certificate: 1, ID card; 2. Work certificate or income certificate; 3. Work phone, home phone and my mobile phone; 4. Tax payment certificate or real estate vehicle under his own name; 5. Other bank credit cards, etc.

Log in to China Merchants Bank Credit Card Online Banking and choose your favorite card;

Click on the credit card application;

Choose the application process that suits you. At present, China Merchants Bank has set up two application processes for new customers and existing customers.

Fill in personal information to apply for approval;

When submitting a credit card application, China Merchants Bank will review the reservation information and generally inform the processing result within 7 working days.

2. If you are already a credit card holder of China Merchants Bank, you only need to fill in the simple application information. At the same time, print your application materials, sign them and mail them to the credit card center.

How to apply for a credit card?

The credit card processing method is as follows:

1. Prepare materials. When you go to the bank to apply for a credit card, you must first prepare the corresponding processing materials, which generally include the original ID card, work certificate, income certificate, etc.

2. Go to the bank to get the number. After you prepare the information, you need to choose a favorite bank outlet and go to the bank self-service number machine to get the number during working hours, ready to handle the business.

3. Fill in the card processing information. Generally, you can ask the bank lobby manager how to fill in the information after taking the number, and fill in the information according to the tips of the staff and the template provided by the bank. The required information is accurate and cannot be erased.

4. Submit information. Fill in the corresponding information and wait for the phone call from the bank counter. After getting the number, go to the counter to submit the information needed to apply for the card and wait for the bank to review it.

5. Anti-audit. After receiving your audit data, the counter staff will review the data according to the corresponding regulations of the bank to see if it meets the conditions for handling credit cards. If there is, it has passed the audit. If you can't do it, it will tell you why.

6. Hairpins are activated. If the bank has issued a card, the bank counter staff will send it to you in time and help you activate it. Since then, your credit card has been successfully processed.

Extended information:

First, the advantages and disadvantages of doing a credit card:

(a) Benefits of credit cards:

1. If there is no deposit for overdraft consumption, you can enjoy an interest-free period of 20 to 56 days.

When shopping, you will get points as a gift.

3. Special merchants who hold cards in banks can enjoy preferential treatment.

4. Accumulate personal credit, and credit records can be added to credit files.

5. You can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo.

6. Some credit cards accept existing points.

7. Mail the statement free of charge every month.

8. Accessory card function, you can manage your finances together, and you can also master your child's financial expenses.

9. In the form of one card and two coins, you can repay in domestic RMB when you spend abroad.

10, 24-hour service hotline, loss reporting takes effect immediately.

1 1. Cooperate with third-party platforms to provide preferential services for cardholders.

(2) Disadvantages of credit cards:

1. Credit cards can easily lead to excessive consumption.

2. The annual interest rate of credit card is relatively high.

3. Credit card debt will bring mental stress.

4. If the credit is bad, the cost of borrowing money will be higher, or even you can't borrow money.

How to apply for a credit card

There are three main ways to apply for a credit card. The first way is to go directly to the bank counter, the second way is to apply in online banking, and the third way is for the bank credit card salesman to come to the door. The processing methods corresponding to different processing channels are as follows:

1. Handling at the bank counter:

Users bring their identity documents to the bank that wants to apply for a credit card, and then directly tell the lobby manager of the bank that they need to apply for a credit card, and the lobby manager will give the user the corresponding form. After the user fills in the form as required, it will be handed over to the counter staff. After providing information according to the requirements of the counter staff, you can successfully apply for a credit card.

2. Online banking: Most banks have their own online banking. Users only need to visit the official website of the corresponding bank, then enter the credit card application page, select the credit card they want to apply for, and submit the information as required before they can apply for their own credit card.

3, the salesman to deal with:

Generally, we often encounter the situation that a salesman sells credit cards door-to-door, so we can also handle credit cards in the salesman's office, and the salesman will handle all the application materials for users and submit them to the bank later.

After we apply for a credit card, the general bank will have a period of review. After the approval, the bank will call the user and mail the credit card according to the address filled in by the user.

Generally, we can activate the credit card directly after receiving it. However, if many banks apply for credit cards through online banking, they need to go to the bank for activation before they can use them.

How do individuals apply for a credit card?

The specific steps for an individual to apply for a credit card are as follows:

1. If you want to decide which bank to run first, you can visit the major banks in official website for details.

2. apply. After deciding which bank to apply for a credit card, you can find time to apply directly to the business outlets. Some banks can also apply in official website, and many banks will set up some offices outside, so just pay more attention.

3. Fill in the form and fill in the relevant information according to the instructions of the staff.

4. review. Fill in the information and submit it to the bank for review.

5. Card issuing. After approval, the card will usually be sent by registered mail. You can log in to the relevant bank in official website to inquire about the progress of card processing, or you can call for advice.

6. Opening. When you receive the card, there will be relevant instructions. Read carefully, remember the checkout date and repayment date, and set the relevant password according to the prompts. After opening, your credit card can be used. The limit is determined by the bank according to the information you submitted, social security, bank records, etc. If it is not enough, you can apply to the bank to adjust the temporary or fixed limit.

Finally, I would like to remind you of the matters needing attention in handling personal credit cards:

1. Fill in the information, especially the address, and be as detailed as possible.

2. Pay attention to the custody of the credit card, beware of loss, and report the loss immediately after loss.

You can apply for a higher credit limit by providing more financial proof.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

main feature

① Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range;

② Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;

Credit card is a high-tech product integrating financial business and computer technology.

Credit card can reduce the use of cash and currency;

⑤ Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

⑥ Credit card can simplify the collection procedures and save social labor;

⑦ Credit cards can promote commodity sales and social demand.

Financial management strategy

1, control the number of credit cards, enough is enough.

Once there are too many credit cards, it is easy to get the repayment date of this card wrong and forget the credit limit of that card, which is difficult to manage, and it is easy to cause overdue repayment and leave a bad record. Moreover, multi-card credit card points, too scattered points are not conducive to redemption of gifts. Therefore, it is suggested that only 1~2 credit card is enough.

2. Keep credit card vouchers

Most credit card holders don't care about these documents, and they won't keep them. Most of them are thrown away, which is a very bad habit. In fact, keeping good credit card vouchers is not only convenient for summarizing consumption records every month, and then analyzing and optimizing consumption habits, but also helpful for improving the rationality and transparency of credit card consumption, so as to clearly understand credit cards. Moreover, many people's credit cards do not have passwords, and discarding credit card vouchers at will may lead to the theft of credit cards.

For safety reasons, it is best to keep credit card vouchers after consumption, so that you can know fairly well and develop good credit card financial habits.

3. Reduce cash withdrawals

Credit cards have two functions: overdraft and cash withdrawal, but cash withdrawal requires a certain percentage of handling fees, and even if you deposit your own money, you have to charge. So it is not cost-effective to use it or use it as a passbook.

Step 4 choose the right credit card

The choice of credit card is very important. Nowadays, many commercial organizations have bundled cooperative business with banks. For example, they can set up a joint credit card of a department store and the corresponding bank, and they can spend points here as members and get discounts. Or some cards can be discounted at designated merchants, including eating, watching movies, towing services, etc. , there are many names, and you can choose freely according to your own needs. Use your credit card well and choose it well.

5. within the maximum consumption limit of credit card, swipe your card as much as possible.

Every credit card has a limit. If you swipe your card within this maximum, you are safe. Then, within this controllable range, please swipe your card as much as possible. Because a credit card is equivalent to asking the bank to repay you in advance when you buy something, why not return it to the bank on time on the repayment date? On the one hand, it is more convenient for consumption, on the other hand, it can accumulate credit, and the bank can also charge the merchants a handling fee from the amount of your credit card, which can be described as a win-win situation.

6. Repayment will not be made until the repayment date.

Use the last repayment date to earn more interest. After all, the money is in your account, and the interest generated is also your own, so you should make full use of the opportunity of the money in your own hands and let it generate more money. In addition, if you can't repay on the repayment date for some special reasons, please call the bank's credit card customer service hotline to explain the situation and ask for an extension of repayment 1 to 2 days. Generally, this situation will be allowed.

This is the end of the introduction on how to apply for a credit card and how to apply for a high credit card. I wonder if you have found the information you need?