To apply for a credit card, you need an ID card, proof of income, and proof of residence (proof of water, electricity and gas payment). However, sometimes banks will handle it in shopping malls or supermarkets, and the conditions are not so high. An ID card and a business card are enough.
Credit cards can be used to withdraw cash from ATM machines, but there is a fee, which seems to be 0.05 per day, so it is not cost-effective to withdraw cash by credit card. I know that with Guangfa's cards, there is no charge for cash withdrawals that exceed the credit limit, but other banks charge fees even for the amount that exceeds the credit limit.
In addition, there is no interest when depositing money in a credit card.
Answer: lulugemini - Assistant Level 3 8-21 10:03
Each bank has different requirements. For specific requirements, you can go to the bank branch to inquire.
There is also a more detailed list on their website.
The following takes China Construction Bank as an example:
Long Card Credit Card Application Form
Long Card Credit Card Application Form
Application Instructions
1. The basic requirements for main card applicants are that Chinese citizens, foreigners, and compatriots from Hong Kong, Macao and Taiwan who are over 18 years old and have full capacity for civil conduct can apply for the Dragon Card credit card.
2. Customers who meet the basic conditions and prove one of the following conditions can be given priority to apply for a Dragon Card credit card and receive a higher credit limit.
l Have applied for housing loans and personal consumption loans with CCB and the repayments are normal, with no bad records;
l Have applied for credit cards with CCB and used the cards normally, with no malicious overdraft records;
l High-quality customers who enjoy CCB’s financial services.
Instructions for filling in the form
1. In order to ensure that your application is successfully approved, please read the "China Construction Bank Long Card Credit Card Application Agreement" carefully and fill in the applicant's signature column. signature.
2. Please use a pen or signature pen to completely fill in all the contents of the application form in block letters. Please use "√" to select the "□" in the application form, and fill in the corresponding content in the " ".
3. Please provide copies of the following materials along with this application form:
1) Copies of the identity documents of the main card and supplementary card applicants; in addition to passports for foreigners, You should also provide a copy of the residence permit issued by the Chinese public security department (valid for more than one year);
2) A copy of one of your income certificates: salary income certificate, personal income tax payment form, agency issuance certificate Salary passbook or statement.
4. Provide a copy of one of the following materials: (Providing multiple items will help you prioritize processing and get a higher credit limit)
1) Your own bank Time deposit certificates, car driving licenses, property ownership certificates and other supporting materials.
2) Documents proving that you handle housing loans, personal consumption loans, credit cards, financial services and other businesses with our bank.
3) Provide receipts for landline phone bills, water bills, electricity bills, gas bills and other utility payments or property management fees that are directly related to you in the last three consecutive months.
5. Return the application form and related materials to the nearest China Construction Bank branch. The bank will send your card within 15 working days after your application is approved.
Card type to apply for
(MasterCard) □Gold Card □Ordinary Card (Visa) □Gold Card □Ordinary Card
If you have not applied for a Gold Card Approved, do you agree to apply for a regular card: □Yes□No
Basic information of the principal card applicant
Chinese name in pinyin or English name
Gender □Male□ Female date of birth
ID card
□Resident ID card□Passport□Mainland Travel Permit for Hong Kong and Macao residents, Taiwan Compatriot Certificate□Military Officer Card
□Others (Must be specified)
ID number □□□□□□□□□□□□□□□□□□
Marital status □Married with children □Married without Children □ Unmarried □ Others (must be specified)
Education □Graduate degree or above □University □College □ Technical secondary school/high school □Others (must be specified)
Residential nature □ Owned Property rights □ Mortgage □ Living with parents □ Rental □ Unit allocation
□ Others (must be specified)
Residential address province, city, city (county)
Postal Code□□□□□□
Residential phone number (area code) (phone number) Mobile phone number E-mail address
Main card applicant’s work information
Unit Name annual income
Unit address province, city (county)
Postal code □□□□□□
Unit phone number (area code) (phone number) ( Extension number)
Type of unit □ Government agencies, institutions □ State-owned enterprises □ Joint-stock enterprises □ Private enterprises □ Foreign-funded enterprises □ Private owners Others (must be specified)
Unit size □ Less than 20 people □ 20-100 people □ 101-500 people □ 501-1000 people □ 1001-5000 people □ 5000 or more people □ Position □ Department level or above □ Division level □ Section level □ General cadres □ General Manager □ Department Manager
□ General Employee □ Others (must be specified)
Professional Title □ Senior □ Intermediate □ Junior □ Others
Years and months of joining the work Years of service in the current unit
Address to which the statement will be sent
□Residential address□Work address□Other addresses
□Postal code□□□□□□
Credit information of principal card applicant
Account opening status in our bank □ Housing loan account □ Financial management customer □ Personal loan account □ Large savings (more than 100,000 yuan) □ None
Credit card holders: □ Long card and payment of fees □ Long card □ Credit card from other banks □ No card
Situation of salary payment in our bank □ Salary payment on behalf of the bank □ No salary payment on behalf of the bank
The contact information of the main card (relatives and friends who do not live with you or local people who can be consulted) are not responsible for the account transactions.
)
The relationship between name, gender and applicant
Unit name and department
Contact number and mobile phone number
Supplementary card applicant information ( Please do not fill in if you are not applying)
Chinese name in pinyin or English name
Gender □ Male □ Female Date of birth year, month and day
Identity document
□Resident ID card□Passport□Mainland Travel Permit for Hong Kong and Macao residents, Taiwan Compatriot Certificate□Military Officer Certificate
□Others (must be specified)
Document number□□□□□ □□□□□□□□□□□□□
The applicant is the main cardholder’s spouse □father or mother □children □other (please specify)
Correspondence address Province, city, city (county)
Postal code □□□□□□
Contact number (area code) (phone number) Mobile phone number E-mail address
Main card number (not required when applying at the same time as the main card) □□□□□□□□□□□□□□□□
Legal guardian information (supplementary card applicant is under 18 years old)
Legal guardian’s name and gender
ID number□□□□□□□□□□□□□□□□□□□
Contact number
Personal interests of the main card applicant (optional, check up to 5 items)
□01.Sports□02.Computer□03.Travel□04.Music□ 05. Fine Arts
□06.Literature□07.Food□08.Shopping□09.Collection□10.Others
Application Line
I apply for a credit line : RMB Yuan
Credit limit for supplementary card application: RMB Yuan
The card-issuing bank has the final authority to approve the applicant’s credit limit
Please read it carefully before signing
This is to declare:
1. The above information is completely true, and I agree that China Construction Bank will check the authenticity of the above information with relevant parties.
2. I have carefully read the entire content of the "China Construction Bank Dragon Card Credit Card Application Agreement" and am willing to abide by the agreement.
3. All supplementary card transaction amounts will be credited to the main card account.
4. Regardless of whether the transaction is successful or not, I do not require the return of this application form and related materials. China Construction Bank reserves the right to refuse to accept this application without giving any reason.
Year, month, and day signed by the principal card applicant
Year, month, and day signed by the supplementary card applicant
Signed by the legal guardian (if the supplementary card applicant is under 18 years old , must be filled in)
Year, Month, Day
The repayment method you choose (you can only choose one repayment method, if you need to change it, please go to our bank counter to handle it.
)
□ Full repayment (full repayment on the due payment date) □ Minimum amount repayment (only the minimum repayment amount will be returned on the due repayment date, and corresponding interest will be borne at the same time)
Your designated repayment account
Your RMB repayment account
□Long Card Savings Card Number□□□□□□□□□□□□□□□ □□□□
□Long Card quasi-credit card number□□□□□□□□□□□□□□□□
Your US dollar repayment account
□US dollar current passbook account number
Referrer information (please leave it blank if not available)
Name and contact number
Organization name
ID number□□□□□□□□□□□□□□□□□
The recommender already holds a Dragon Card, please fill in the card number
□□□□ □□□□□□□□□□□□□□□
The following is for bank use only, please do not fill it in for applicants
The date of collection by the collection institution
Recipient's submission date
Application form number source code
Marketing unit code Marketing staff code
Enter date entry person
Preliminary review date Preliminary reviewer
Preliminary review opinion
Approval date Approval reviewer
Approval opinion
Remarks
Master Credit limit of credit card Credit limit of supplementary card
Main card number: □□□□□□□□□□□□□□□□
Supplementary card number □□□□□□ □□□□□□□□□□
Card issuance date: year, month, day
Important reminder
1. To ensure the safety of your card funds, prevent There is a risk in shipping, the card you receive is temporarily unavailable. Please check that the card is intact and then call 800-8200588 to activate your card. After activation, our bank will mail you the card password, please check it. After activation, the card can be used for consumer transactions without a password.
2. To prevent your account from being used fraudulently by others, please keep your card password safe and do not disclose it to others.
3. The billing address is related to your fund use and account management. If your billing address changes, please call the Customer Service Center at 800-8200588 or notify our bank in writing in a timely manner.
Instructions for using Dragon Card credit card
l Card use You can use the card to settle purchases and withdraw cash at global VISA or MasterCard merchants and online banks. There is no need to show your identity document, use a password (unless otherwise required by the acceptance agency), and pay no handling fees when settling your purchases. You will need to enter your password when making withdrawals.
l Account repayment After you use the card to make purchases or withdraw cash, you can repay at the local Construction Bank branch. You can also sign a contract and choose the automatic transfer method of China Construction Bank account for repayment.
l Limit adjustment Based on changes in your credit card usage or personal credit, China Construction Bank will promptly adjust your credit limit and notify you of the adjustment results. If you have an urgent need, you can also take the initiative to apply for a temporary increase in your credit limit through the China Construction Bank Customer Service Center at 800-8200588 to meet your urgent needs.
l Loss Reporting Service If you find that your Dragon Card credit card is lost, please immediately call the China Construction Bank Customer Service Center at 800-8200588 to report the loss. The cardholder will no longer be responsible for any losses incurred after the loss is reported.
l Password replacement If your password is lost or forgotten, you can handle the password replacement service through the China Construction Bank Customer Service Center at 800-8200588.
l Replace the card when it expires. The Dragon Card credit card is valid for three years and will become invalid upon expiration. CCB will send you a new card one month before your card expires and automatically deduct the annual fee from your account. If you do not want to renew your card after it expires, please notify our credit card center one month before the card expires.
l Information changes To ensure that you can receive credit card statements in a timely manner and obtain relevant customer services, please promptly notify the China Construction Bank Customer Service Center service hotline at 800-8200588 after changes in address and phone number.
Introduction to China Construction Bank Dragon Card Credit Card
l One card, dual currencies, an international standard credit card that can be used at home and abroad. One card with two currencies, applicable at home and abroad. Domestic transactions are settled in RMB and overseas transactions are settled in USD.
l Spend first and repay later. If you consume first and then repay within the approved limit, you can enjoy interest-free treatment for up to 50 days for consumption transactions.
l Revolving Credit The credit limit can be used repeatedly. If there is an urgent need, you can apply for an increase in the temporary credit limit.
l RMB repayment for overseas consumption After overseas consumption, you can directly apply for RMB foreign exchange repayment with the current statement.
l No guarantee required for card application. Individuals only need to provide relevant information and certificates, and no guarantee is required to apply for a Dragon Card credit card.
l 800 free 24-hour service provides 800 free hotline service 24 hours a day, 365 days a year.
l Zero risk of losing the card. If the card is lost or stolen, the individual does not bear the risk of losing the card after reporting the loss by phone.
l Emergency Assistance Service In the event of unexpected situations such as card loss or damage, you can make a request for emergency assistance service by phone, and you can immediately apply for a temporary emergency card or withdraw cash locally.
Charging Standards for Dragon Card International Cards
Serial Number Charging Contents Charging Standards Preparation
1 Annual fee for the main card of the Gold Card is RMB 160 per card
Supplementary card 80 yuan
General card main card 80 yuan
Supplementary card 40 yuan
2 Overseas cash withdrawal fee: based on the amount of each cash withdrawal 3 will be charged, with a minimum of 3 USD per transaction
Domestic: 1 of the cash withdrawal amount will be charged, with a minimum of 3 RMB
3 late payment fees will be charged on the unpaid portion of the minimum repayment amount 5 is charged, with a minimum of 1 USD or 5 RMB
4 The over-limit fee is charged at 5% of the excess account amount, with a minimum of 1 USD or 5 RMB each time
5 The loss report fee is 50 RMB RMB, free of charge for each new card if reported lost
Expedited fee for 6 cards/password letters is RMB 20 per letter
During the promotion period: Domestic cash withdrawal handling fee for each transaction is based on the transaction amount 5‰ charge, minimum 1 yuan.
China Construction Bank Dragon Card Credit Card Application Agreement
China Construction Bank (hereinafter referred to as Party B) and the principal applicant for Dragon Card Credit Card (hereinafter referred to as Party A) regarding the direction of A Party B applies for the Dragon Card credit card (hereinafter referred to as the credit card) and reaches the following understanding:
1. In order to ensure the rights and interests of Party A and Party B, Party A and Party B must consciously abide by and perform this agreement . Party A shall ensure that its supplementary cardholders comply with and perform this Agreement.
II. Application
1. Party A guarantees that all application materials provided to Party B are true, valid and legal, and agrees that Party B will provide Party A’s information to relevant credit reporting agencies. Party B also agrees to inquire Party A's credit status from the basic personal credit information database of the People's Bank of China or relevant units, departments and individuals.
2. Party A guarantees that all application materials provided to Party B are true, valid and legal, and agrees that Party B can understand Party A’s credit status and other information from relevant departments, units or individuals.
3. Party B determines the credit limit based on Party A’s credit status, and has the right to adjust its credit limit based on changes in Party A’s credit and credit card usage; if Party A has no special requirements, Party A’s supplementary card Use this credit limit with Party A.
4. After receiving the credit card, Party A and its supplementary cardholders should immediately sign their usual signature in the signature column on the back of the card and use this signature when using the card. The password letter will be mailed by Party B to Party A after Party A opens the card. Party A should keep the password and password letter properly.
Party A will be responsible for the consequences of failing to sign as required or keep the password properly.
3. Use
1. All receipts and payments, fees and interests incurred by Party A and its supplementary cardholders due to the use of the credit card shall be borne by Party A is responsible for repayment. Party A and the supplementary cardholder shall be jointly and severally liable to each other for the amounts owed to the bank.
2. When Party A consumes or withdraws cash overseas, the transaction amount and corresponding fees and interest are included in the foreign currency account; when Party A consumes or withdraws cash domestically, the transaction amount and corresponding fees and interest are included in the RMB account .
3. Party B will not pay interest on the deposits (including overpayments) deposited by Party A into the credit card account.
4. The consumption transactions of Party A and its supplementary cardholders are subject to an interest-free repayment period from the date when they are credited to the account to the due repayment date (the 20th day after the bill date). If Party A repays all the current bills before the stipulated repayment due date, Party A does not need to pay the interest on the consumer transaction. Otherwise, Party A shall pay a daily interest rate of 0.05% from the accounting date to the repayment date. The interest on the arrears shall be calculated and compounded monthly by Party B.
5. Party A and its supplementary cardholders will be charged a handling fee of 1% of each transaction amount (minimum RMB 3) for cash transactions within the country (excluding Hong Kong, Macao and Taiwan). Hong Kong, Macao and Taiwan) cash transactions are charged a handling fee of 3% of the cash withdrawal amount (minimum 3 USD). Cash transactions do not enjoy the interest-free repayment treatment. Party B will charge Party A's arrears interest from the accounting date to the repayment date at a daily interest rate of 0.5%, with compound interest calculated on a monthly basis.
6. If Party A is unable or unwilling to repay the entire account before the end of business on the stipulated repayment due date, it can repay according to the minimum repayment amount given in the statement, but no Enjoy interest-free repayment benefits.
7. If Party A fails to repay the minimum repayment amount before the due repayment date, Party A must pay a late fee of 5% of the unpaid portion of the minimum repayment amount, with a minimum of 5 yuan or 1 US dollar (the same currency is used). Currency of debt).
8. When the sum of the funds used by Party A and its supplementary cardholders exceeds the credit limit of the account, an over-limit fee of 5% of the excess shall be paid, with a minimum of RMB 5 or USD 1 (currency Same as the currency of the debt).
9. Starting from the first billing date after Party A's account becomes in arrears, if Party A fails to repay the debt for two consecutive months or the repayment does not reach the minimum repayment amount, Party B has the right to If the credit limit is lowered by 50%; if the payment is not made for three consecutive months or the payment does not reach the minimum payment amount, Party B will stop all other functions of Party A's credit card except the repayment function.
10. If Party A’s credit card documents are incomplete or incorrect, Party B should actively search and carefully verify them. If the transaction is confirmed to exist, Party A should not refuse to pay the transaction amount. Party A cannot refuse to pay the amount owed to Party B on the grounds of disputes with the handling unit.
11. Party A and its supplementary cardholders are not allowed to transfer or rent the credit card to others, otherwise, Party A will be responsible for all consequences arising therefrom. Party A and its supplementary cardholders shall use credit cards on the Internet in a safe and reliable environment, and shall be fully responsible for the risks and losses caused by use on the Internet.
12. Party A and its supplementary cardholders shall use the credit card in compliance with the relevant provisions of the national foreign exchange administration. If there is any violation of the relevant provisions and the "China Construction Bank Dragon Card Credit Card Regulations" or this Agreement, When circumstances arise, Party B has the right to withdraw or deactivate the credit card or adjust Party A's credit limit. When Party B deactivates or takes back Party A's credit card, all outstanding amounts of Party A will be deemed to be fully due and paid off at once.
13. If Party A uses a credit card to defraud Party B to avoid debts, Party B has the right to cancel Party A’s credit card and may request the judicial authorities to hold Party A legally responsible.
IV. Bills
1. Party A and its supplementary cardholders should promptly report any changes in their work, communication methods (address or phone number), ID number changes, etc. Notify Party B of changes. If it fails to comply with regulations, it shall bear the resulting risks, losses and legal liabilities.
2. Party B shall specify Party A’s billing date in the card issuance letter and will send a statement based on the transactions in Party A’s account in the current period. Party A shall receive it in a timely manner and proactively check the accounts.
If Party A does not raise any objection to Party B within 15 days after the statement date, it will be deemed that Party A has received the statement and approved all transactions on the statement.
3. If Party A has any doubts about the contents of the bill within the specified days, it can inquire with Party B and apply for a review of the signed bill. However, the reasons should be explained and supporting documents required by Party B. If Party B checks the signed bill, If it is indeed Party A's fault, Party A needs to pay the purchase order processing fee, which is RMB 10 per copy for domestic documents and USD 5 per copy for overseas documents.
4. Party A has the right to request the bills of the last three months from Party B free of charge. If you request bills for more than three months, you will be required to pay a processing fee of RMB 5 per bill for resending.
5. Loss report
In the event that the Longka credit card is lost or stolen, Party A should immediately call Party B’s Credit Card Center to report the card loss. The loss report fee is RMB 50 per card and the loss report will be effective. The economic losses incurred previously shall be borne by Party A. After the loss report takes effect, Party A will no longer be responsible for any losses that are not intentionally caused by Party A. If one of the following circumstances occurs, Party A must bear the losses:
1. Party A commits fraud or other Dishonest conduct.
2. Party B investigated the situation but was rejected by Party A.
3. The lost or stolen credit card does not have Party A’s usual signature.
6. Account cancellation
1. The Dragon Card credit card is valid for three years and will become invalid upon expiration. If Party A or its supplementary cardholders no longer continue to use the card, they shall notify the card-issuing bank one month before expiration. Otherwise, Party B will provide Party A and its supplementary cardholders with an automatic card replacement service upon expiration. fee and send the new card to Party A. If Party A requests to cancel the account and terminate this agreement, it must first repay all the money owed and return the main card and all supplementary cards under the account to Party B before it can go through the account cancellation procedures and terminate this agreement in accordance with regulations.
2. 45 days after Party B accepts Party A’s application for account cancellation, if Party B confirms that Party A has no outstanding balance, it will handle the account cancellation procedures for Party A. Valid transactions within 45 days from the date when Party B accepts Party A's account cancellation application will still be borne by Party A.
7. Obligations of Party B
1. Provide relevant information such as Dragon Card credit card regulations, instructions for use and charging standards;
2. Establish specialized systems and organizations , to provide Party A with safe and efficient services;
3. Set up a specialized agency to handle customer inquiries and complaints;
4. Except for legal provisions and legitimate reasons, Party A’s personal Keep information confidential;
5. Assist customers in handling disputes with card recipients or acquiring banks.
8. Party B has the right to interpret this agreement. Modifications to the "China Construction Bank Long Card Credit Card Regulations", changes in charging items or standards, adjustments in interest rates, etc., which this agreement is based on, will be effective once approved and announced by the financial regulatory authorities, regardless of whether Party A is notified or not. After the modification The terms are binding on both parties A and B.
9. This agreement shall be governed by the relevant laws of the People's Republic of China and the People's Republic of China, and matters not covered shall be handled in accordance with the "China Construction Bank Dragon Card Credit Card Regulations", business regulations and relevant financial practices. Any disputes arising between Party A and Party B during the performance of the contract shall be settled through negotiation between the two parties; if the negotiation fails, the dispute shall be under the jurisdiction of the People's Court where Party B is located.
10. After Party A signs this agreement, it will take effect from the date Party B approves Party A’s application, and will terminate on the next day after Party A officially cancels its account