You can apply for a credit card directly at the bank. It is still very fast to apply for a credit card at the bank. As long as your personal credit information is good and you have a fixed income, it is generally easy to handle a credit card. Now the page can be applied by mobile phone, and the process is more convenient and faster, which is simpler than going to the bank.

knowledge expansion:

credit card processing steps:

1. Application

In most cases, citizens with full capacity for civil conduct (citizens aged 18 or above in Chinese mainland) who have certain direct financial resources can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

2. Review

After receiving the application form and relevant materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the review mainly include whether the contents of the application form are true or not, evaluating the credit degree of the applicant, and reviewing the relevant information of the guarantor for the individual.

3. Card Issuing

After the applicant successfully applies for a credit card, the card issuing bank will open a separate credit card account for the cardholder at the card issuing bank for shopping, consumption and settlement after cash withdrawal.

4. Card opening

Since the card is sent by post after the credit card application is approved, there is no guarantee that the recipient is the applicant. In order to protect the applicant and the bank from theft, the credit card has a card opening program before it is officially opened. Card opening is mainly through telephone or internet, etc., to check the relevant personal information provided at the time of application, and complete the card opening procedure after it meets the requirements. At this time, the applicant becomes the card holder, and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card. After accepting credit cards, credit card merchants or banks should review the validity of credit cards and the identity of cardholders.

first of all, the credit card is not the personal property of the cardholder, but is borrowed by the cardholder with "credit" as the guarantee. Only when the card issuer judges that "this person is creditable" (specifically, has repayment ability) according to these conditions can the credit card be issued. Secondly, it is necessary to clarify the significance of signing the bill. Signing means acknowledging that "the loan I bought today must be paid, and now I will take the goods I bought first", indicating that I will absolutely abide by my promise. The credit card system was introduced from Europe and America. There is a concept of contract here. Signing is to acknowledge the terms of the contract.