It is more convenient and faster to apply for a credit card through online channels than offline counter channels, but for new users, they must go to the bank outlets for face-to-face signing, otherwise they cannot open the card. It is best to apply at the counter in order to understand the method, process and use of credit card processing. The offline counter channel application is safer and the approval rate is higher.
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1. Counter application steps:
(1) The applicant goes to the bank counter, submits the application materials on the spot and fills in a complete credit card application form; People who apply for cards usually go to bank branches.
(2) Branches and sub-branches preliminarily verify the applicant's information and enter it into the system.
(3) The information shall be further verified by the superior bank, and finally sent to the credit card center of the Head Office, which will review the applicant's information.
(4) If the examination fails, send a short message to the applicant and refuse to issue the card; After the examination and approval, send a text message to inform the applicant that the preliminary examination has passed.
(5) After passing the preliminary examination, the bank staff will pay a telephone call back to the applicant, dial the company fixed line or home fixed line, and manually check and verify the applicant's information.
(6) After the manual telephone call is passed, the card will be approved.
(7) banks do cards.
(8) Send cards by courier. Jinpu cards are generally sent by registered mail, and high-end cards such as platinum cards are sent by express mail.
(9) After receiving the card, the applicant can use it by telephone.
2, online application steps:
(1) The applicant directly fills in the application materials online and submits them. The application materials directly enter the credit card center of the bank headquarters.
(2) The credit card center of the bank headquarters will review the applicant's information. If the review fails, it will send a short message to the applicant and refuse to issue the card; After the examination and approval, send a text message to inform the applicant that the preliminary examination has passed.
(3) After the first trial is passed, the bank staff will pay a telephone call back to the applicant, often dial the company fixed line or home fixed line, and manually check and verify the applicant's information.
(4) After the manual telephone call is passed, the card will be approved.
(5) banks do cards.
(6) Send cards by courier. Jinpu cards are generally sent by registered mail, and high-end cards such as platinum cards are sent by express mail.
(7) After receiving the card, if it is a new customer of the bank, the applicant needs to personally go to the nearest bank outlet for face-to-face signing.
(8) After the interview is passed, the card can be opened for use.
3. The following are credit cards issued by some banks for your reference:
1, CITIC standard card
Features of using the card: You can accumulate 1 points by spending or withdrawing RMB 1 yuan or HK$ 1 yuan by swiping the card. Gold and platinum cards can enjoy double points, which can be redeemed for more than 3,000 kinds of gifts, and can also be redeemed for air miles of China Southern Airlines, Air China and China Eastern Airlines.
2. Everbright "Fu" Card Gold Card
Card features: no need to apply, enjoy automatic interest-free installment; Give high travel accident insurance with the card;
3. Merchants Youth Card (black)
Card features: It is said that this is one of the most popular and best cards for young people. Fresh graduates can apply for small white-collar workers, and college students who have reached 18 can also apply for formal internship contracts. 100% of the maximum withdrawal amount of the credit line, and the first withdrawal in every natural month is free of charge.
4. Bank of Communications Y-Power Card
Characteristics of the card: a strong competitor of China Merchants Youth Card. Designed for young people, ultra-low withdrawal fee and ultra-high withdrawal amount. The longest interest-free repayment period is up to 56 days. One of the characteristics of Bank of Communications credit cards is that there is a super-hot activity every Friday. Participating in eligible credit card consumption will return a certain amount of credit cards.
5. Citi gift card
Card features: "Choose your own consumption category, enjoy triple points, the points are permanent and valid, and you can give them away freely".
6. Everbright Music Fan Card
Features of the card: The card has the network function of "borrowing and returning immediately", and the cardholder can obtain the bank credit in real time through the fast approval procedure, which can be used to purchase products such as super tv and LeTV Box under LeTV, thus realizing "installment payment" without complicated approval procedures.
7. Safety owner card
Card features: 36 major cities in China, as low as 95% off gasoline; National free road rescue, all year round; Attached to the whole vehicle personnel protection insurance; Ping an auto insurance points, premium points.
8. CITIC No.1 Platinum Card
Features of the card: the lowest threshold platinum card. You can apply if you meet the gold card requirements of ordinary credit cards. Enjoy VIP lounge, high aviation accident insurance and delay insurance, accidental hospitalization insurance, golf, online shopping and other platinum services, IMAX enjoys a 50% discount.
9. Guangfa Vitality Card
Card features: well-known sports city as low as 15% discount; Unique priority booking of sports venues; Free participation in sports activities; Shopping discounts and multiple points; Exclusive 50% discount for new products; Enjoy 5 times the points of famous stores; Enjoy free membership activities.
10, CCB my love card
Card features: DIY cards are especially suitable for people who are willing to express their true love now. Exclusive life-long annual fee-free policy, CCB promotes sales irregularly.