1. If one of the husband and wife or one of their partners and we want to jointly open a bank card, then both parties need to open a common account for common use. Then either party can bring the original ID card to the counter of the bank's business outlets and inform the relevant staff that they need to open a joint account. After opening an account successfully, there will be two names, and the bank card issued is also a joint bank card. Comparatively speaking, the annual fee for co-branded cards is relatively expensive.

Second, specifically:

(1) If it is a bank card jointly owned by two people, it is a joint bank card. The process is as follows:

1. First of all, joint account applicants (2 persons) need to provide valid identity documents of all account holders, and joint account applicants (2 persons) need to go to the counter of business outlets to apply for opening a joint account with the wealth management accounts already opened in the region.

2. Secondly, joint account applicants (2 persons) need to fill in an application form for individual joint account, agree on relevant business methods, and sign an individual joint account management agreement.

3. Finally, after the bank has reviewed the relevant information, it will issue a joint account bank card (one for each person).

(2) If it is a husband-and-wife office, it is a husband-and-wife card. The process is:

1. First, the applicant must submit a credit card application and related supporting materials;

2. Then the bank accepts the application and examines the application materials submitted by the applicant;

3. After the approval, the bank will call the applicant to verify personal information;

4. After verifying the information by phone, the bank will send the card;

5. After the applicant receives the card, it can be used normally after activation.

Third, expand information-the process of handling bank cards:

(2) Handling the bank card process

1. The user brings the original ID card to the bank branch counter to apply for a bank card.

If the user wants to apply for a bank card, he needs to bring his original ID card to the bank branch counter to open a bank card account. It is impossible for others to open an account for a bank card. The bank requires users to go to the counter to confirm that the user of the bank card is the user himself, so as to prevent the bank card from being fraudulently used by others.

2. The user submits the bank card application form to the counter staff, and the staff handles the bank card account opening procedures.

Users need to fill in the bank card application form when handling bank cards. In the application form, users need to fill in personal basic information, home address and other related information, and ensure that the information is complete and then hand it over to the counter staff for bank card processing. The counter staff will open a bank card for the user according to the internal card opening process of the bank. The main work includes user identity verification, information verification, card opening purpose verification and so on.

3. After passing the bank audit, users can open personal bank cards.

After checking the information, the staff at the bank counter will handle the bank card for the user according to the requirements of the bank. According to the type of bank card applied by the user, the staff gives the bank card and business acceptance certificate to the user, and the process of opening the bank card is over.