Online credit card application method: I log on to the credit card official website page of Guangfa Bank and fill in the application materials online.
I. Application conditions
1. Individuals with full capacity for civil conduct, legally stable sources of income and good credit status can apply for personal cards from card issuers with their valid identity documents and related materials.
When applying for a credit card, an individual can apply for no more than two supplementary cards for other natural persons with full capacity for civil conduct, in addition to a main card. The main cardholder can apply for cancellation of the supplementary card or stop using the supplementary card at any time.
The supplementary cardholder and the main cardholder share the same credit line; All the transaction funds of the supplementary card and the corresponding interest and expenses are credited to the account of the main card, and the cardholder of the main card is fully liable for the debts incurred under the main card and the supplementary card; Supplementary card holders with full capacity for civil conduct and main card holders are jointly and severally liable for the debts incurred under the main card and supplementary card, while supplementary card holders with limited capacity for civil conduct are only liable for the debts incurred under the supplementary card they hold. The supplementary card holder may apply for cancellation of the supplementary card after paying off all debts of the supplementary card.
Second, the information needed to apply for a credit card.
1. Identity information: copy of resident ID card or military officer's card; Compatriots from Hong Kong and Macao are required to provide copies of travel permits to and from the mainland and residence certificates for more than one year; Foreigners can provide copies of passports and residence permits for more than one year.
2. Proof of work income: proof of salary and a copy of social security (paid for more than half a year).
3. Proof materials for credit card application of Guangfa Bank: education background, professional title, professional qualification certificate, self-owned real estate license, self-owned car driving license, original proof of telephone, water, electricity and gas charges in the last three months of current residence, etc.
Credit card time: generally, it takes about 30 days from application to card collection.
After the credit card application materials are submitted, they will first be submitted to the audit department of the credit card center of the issuing bank. The audit department will grade the applicants according to their personal conditions, which generally takes 65,438+00 working days. If approved, the issuing bank will make the card for the cardholder within two working days, and then send the registered letter of the credit card by registered mail or express delivery, which generally takes about 15 days, and express delivery usually takes about 5 days.
However, for those cardholders who have applied for a credit card, the bank's approval will be much faster, and the card will be issued in about 3 days. Therefore, how long the credit card will take depends on the applicant's personal situation and the approval speed of the issuing bank. Generally speaking, the results will be available in a month or so.