How to apply for a bank credit card
1. Choose a bank where you want to apply for a credit card. At present, all major banks have launched credit card services. Before applying for a credit card, you can check the credit card details on the official websites of major banks.
2. After selecting the bank and credit card type, apply to the bank. Currently, you can apply for a credit card through bank branches or directly on the bank’s official website.
3. Fill in the application materials. If applying online, users must fill in the credit card application information according to the website prompts. Generally, they need to fill in basic personal information, work unit, job position, income and other information. The more detailed the information, the better. Once completed, submit the application.
4. Wait for bank review. Users can check the card application progress through the bank's official website or customer service hotline.
1. After the card-issuing bank receives the applicant’s application form and related materials, it shall review the applicant’s credit status. The content of the review mainly includes whether the content of the application form is true, evaluating the applicant's credit rating, and conducting a personal review of the guarantor's information.
Based on the application materials, the bank will review the applicant's various information and financial status to determine whether to issue a credit card to the applicant. Factors that need to be considered include the applicant's past credit history, the applicant's known assets, professional characteristics, etc.
The specific factors and processes of the issuer’s audit are commercial secrets and are generally difficult for outsiders to understand. Each issuing bank's standards are different. Therefore, the same material may have different credit lines and different types of credit cards in different banks. Some banks may even pass the review and some banks may refuse to issue it.
2. Credit card
1. Credit card, also known as credit card, is a credit certificate issued by a commercial bank or credit card company to consumers who meet credit conditions. It takes the form of a card with the name, expiry date, number and cardholder name printed on the front and a magnetic stripe and signature strip printed on the back. Consumers holding credit cards can go to specialized commercial service departments to shop or consume, and then the bank will settle the account with the merchant and cardholder, and the cardholder can overdraw within the prescribed limit.
2. The credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on the Credit Card Provisions of the "People's Republic of China and the Criminal Law of the People's Republic of China") refer to those issued by commercial banks or other financial institutions. An electronic payment card with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. On December 1, 2017, the "Official English Translation Writing Standards" were officially implemented, stipulating that the standard English name of credit cards is credit card.
3. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment is made on the invoice date.
4. Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay later. A quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to regulations and can overdraw within the prescribed credit limit when the reserve account balance is insufficient for payment. The credit card in question usually refers to just the credit card.
5. Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000). On May 25, 2021, the Supreme People's Court promulgated and implemented the "Regulations of the Supreme People's Court on Several Issues Concerning the Trial of Bank Card Civil Cases".
How to apply for a credit card?
The credit card processing method is as follows:
1. Prepare materials. When you go to a bank to apply for a credit card, you must first prepare the corresponding application materials, which generally include original ID cards, work certificates, income certificates, etc.
2. Go to the bank to get the number. After you prepare the information, you need to choose a bank outlet you like, go to the bank's self-service number-taking machine during working hours to pick up your number, and prepare to handle business.
3. Fill in the card processing information. Generally, after taking the number, you can ask the bank lobby manager how to fill in the information, and fill in the information according to the staff's prompts and the template provided by the bank.
The information required to be filled in must be accurate and cannot be erased.
4. Submit information. After filling in the corresponding information, wait until the bank counter calls your number. After getting the number, go to the counter to submit the required information for card application and wait for bank review.
5. Anti-audit. After receiving your review information, the counter staff will review the information according to the bank's corresponding regulations to see if it meets the conditions for applying for a credit card. If so, it passes the review. If it can't do it, it will tell you why it can't be done.
6.Card issuance is activated. If the bank has already applied for the card, the bank counter staff will issue the card to you in time and help you activate it. From that point on, your credit card has been successfully processed.
Extended information:
1. Advantages and disadvantages of applying for a credit card:
(a) Advantages of a credit card:
1. No deposit required For overdraft consumption, you can enjoy an interest-free period of 20-56 days.
2. When shopping, you will get points as gifts.
3. Special merchants who hold cards at the bank can enjoy discounts.
4. Accumulate personal credit, and the credit record can be added to the credit file.
5. You can withdraw money or swipe your card at ATMs and POS machines with the UnionPay logo.
6. Some credit cards accept existing points.
7. Free monthly mailing of statements.
8. With the supplementary card function, you can manage finances together and control your children’s financial expenditures.
9. In the form of one card and two currencies, you can use domestic RMB to repay when you spend abroad.
10. 24-hour service hotline, loss report takes effect immediately.
11. Cooperate with third-party platforms to provide cardholders with preferential services.
(2) Disadvantages of credit cards:
1. Credit cards can easily lead to over-consumption.
2. Credit cards have higher annual interest rates.
3. Credit card debt can cause mental stress.
4. If your credit is not good, the cost of borrowing money will be higher, and you may even not be able to borrow money.
How to apply for a credit card!
The credit card processing method is as follows:
1. Prepare materials. When you go to a bank to apply for a credit card, you must first prepare the corresponding application materials, which generally include original ID cards, work certificates, income certificates, etc.
2. Go to the bank to get the number. After you prepare the information, you need to choose a bank outlet you like, go to the bank's self-service number-taking machine during working hours to pick up your number, and prepare to handle business.
3. Fill in the card processing information. Generally, after taking the number, you can ask the bank lobby manager how to fill in the information, and fill in the information according to the staff's prompts and the template provided by the bank. The information required to be filled in must be accurate and cannot be erased.
4. Submit information. After filling in the corresponding information, wait until the bank counter calls your number. After getting the number, go to the counter to submit the required information for card application and wait for bank review.
5. Anti-audit. After receiving your verification information, the counter staff will review the information according to the bank's corresponding regulations to see if it meets the conditions for applying for a credit card. If so, it passes the review. If it can't do it, it will tell you why it can't be done.
6.Card issuance is activated. If the bank has already applied for the card, the bank counter staff will issue the card to you in time and help you activate it. From that point on, your credit card has been successfully processed.
Extended information:
1. Advantages and disadvantages of applying for a credit card:
(a) Advantages of a credit card:
1. No deposit required For overdraft consumption, you can enjoy an interest-free period of 20-56 days.
2. When shopping, you will get points as gifts.
3. Special merchants who hold cards at the bank can enjoy discounts.
4. Accumulate personal credit, and the credit record can be added to the credit file.
5. You can withdraw money or swipe your card at ATMs and POS machines with the UnionPay logo.
6. Some credit cards accept existing points.
7. Free monthly mailing of statements.
8. With the supplementary card function, you can manage finances together and control your children’s financial expenditures.
9. In the form of one card and two currencies, you can use domestic RMB to repay when you spend abroad.
10. 24-hour service hotline, loss report takes effect immediately.
11. Cooperate with third-party platforms to provide cardholders with preferential services.
(2) Disadvantages of credit cards:
1. Credit cards can easily lead to over-consumption.
2. Credit cards have higher annual interest rates.
3. Credit card debt can cause mental stress.
4. If your credit is not good, the cost of borrowing money will be higher, and you may even not be able to borrow money.
How to apply for a credit card
The credit card processing method is as follows:
1. Prepare materials. When you go to a bank to apply for a credit card, you must first prepare the corresponding application materials, which generally include original ID cards, work certificates, income certificates, etc.
2. Go to the bank to get the number. After you prepare the information, you need to choose a bank outlet you like, go to the bank's self-service number-taking machine during working hours to pick up your number, and prepare to handle business.
3. Fill in the card processing information. Generally, after taking the number, you can ask the bank lobby manager how to fill in the information, and fill in the information according to the staff's prompts and the template provided by the bank. The information required to be filled in must be accurate and cannot be erased.
4. Submit information. After filling in the corresponding information, wait until the bank counter calls your number. After getting the number, go to the counter to submit the required information for card application and wait for bank review.
5. Anti-audit. After receiving your verification information, the counter staff will review the information according to the bank's corresponding regulations to see if it meets the conditions for applying for a credit card. If so, it passes the review. If it can't do it, it will tell you why it can't be done.
6.Card issuance is activated. If the bank has already applied for the card, the bank counter staff will issue the card to you in time and help you activate it. From that point on, your credit card has been successfully processed.
Extended information:
1. Advantages and disadvantages of applying for a credit card:
(a) Advantages of a credit card:
1. No deposit required For overdraft consumption, you can enjoy an interest-free period of 20-56 days.
2. When shopping, you will get points as gifts.
3. Special merchants who hold cards at the bank can enjoy discounts.
4. Accumulate personal credit, and the credit record can be added to the credit file.
5. You can withdraw money or swipe your card at ATMs and POS machines with the UnionPay logo.
6. Some credit cards accept existing points.
7. Free monthly mailing of statements.
8. With the supplementary card function, you can manage finances together and control your children’s financial expenditures.
9. In the form of one card and two currencies, you can use domestic RMB to repay when you spend abroad.
10. 24-hour service hotline, loss report takes effect immediately.
11. Cooperate with third-party platforms to provide cardholders with preferential services.
(2) Disadvantages of credit cards:
1. Credit cards can easily lead to over-consumption.
2. Credit cards have higher annual interest rates.
3. Credit card debt can cause mental stress.
4. If your credit is not good, the cost of borrowing money will be higher, and you may even not be able to borrow money.
How to apply for a credit card
The first way to apply for a credit card is: the applicant goes directly to the bank counter to apply. If you apply at a bank, you must fill in the information directly. There are bank staff on site who can guide me in filling in the relevant information, which can avoid the problem of being rejected if the information is filled in incorrectly. At the same time, we can issue more qualification certificates and wealth certificates, which will help increase our final card purchase limit. However, the credit card review process at the bank counter will be relatively slow, because the information must be reported from the branch to the credit card center, and then the card center will review your information. Another way is to apply for a card online: Nowadays, when applying for a credit card, we can apply for it on the official website of the credit card. However, when applying for a credit card online, we have to fill in the information ourselves, which makes it easier to fill in the information incorrectly. was dismissed.
However, online application is mainly convenient and you don’t have to go out. You only need a mobile phone or a computer to apply. There is another way to apply for a credit card: that is to apply for a credit card through the bank's credit card clerk. We often see these bank staff setting up stalls in shopping malls or other stores to promote credit card applications. This method of applying for a card allows you to receive prizes, but since they are all business personnel, their main purpose is to obtain performance, so we still have to carefully consider things that guarantee a high limit and ensure the card is issued, and not to believe too much. The process of applying for a credit card 1. Prepare the application materials. 2. After the materials are ready, you can go to the bank to apply or make an appointment online. 3. Then wait for the bank's approval. During the approval process, the bank will call the applicant to verify the information. 4. After the approval is passed, the bank will mail the card to the applicant. It will take about 3 weeks to get the card after successfully submitting the information. "Legal basis: Credit card business is a civil act. The General Principles of Civil Law, Contract Law, Criminal Law, People's Bank of China Law, Commercial Bank Law and other laws have principled provisions on credit card business. Chapter 5 of the "People's Bank of China Law" states that the People's Bank of China examines and approves the establishment, change, termination and business scope of financial institutions in accordance with regulations. Article 3 of the "Commercial Bank Law" has 13 items in its business scope. Credit goes to school. The business falls under item 13 and is invalid if it violates the legal provisions of the People's Bank of China and will be subject to corresponding criminal liability.
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