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.
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Credit card processing flow:
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, and some banks can also apply in official website.
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.
In addition, you can also apply online, and then wait for the bank staff to come to the door, fill in the forms and materials with the help of the staff, and then wait for the bank's approval.
The detailed information to be provided for credit card processing is: 1. Identification: generally, it is an ID card (if a new ID card is used, a copy of the front and back is required), and the soldier needs to provide a copy of his military ID card; 2. Work certificate: it can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and affix the official seal or personnel seal of the company), or a copy of the work permit/license;
You can choose to provide the following information: proof of financial resources can be a payroll record issued by the bank, or an income tax withholding certificate, or a document that proves the market value of the house, car, deposit and investment (such as a copy of the real estate license/car driving license/bank time deposit certificate) and other materials that can prove your 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.