How to handle a credit card overdraft? See here for how to apply.

Credit cards are very popular for their overdraft function, and many people have applied for credit cards for this reason. Nowadays, more and more people want to know about credit cards, and many people come to ask: How to deal with a credit card overdraft? Today I will answer this question for you.

1. Bank application

You can bring your valid ID and some of your work certificates, salary income, property certificates and other information to the bank counter you want to apply for. credit card. Usually you have to queue up to get a number.

But sometimes, we will also find that there are card application points set up by banks in some places such as shopping malls. You can also go to the card application point to submit the materials and fill in the information to apply.

After applying, you mainly need to wait for the bank’s review. After the bank’s review is passed, the credit card will be sent to you. After receiving the card, you can activate the card according to the information in the card letter. After the activation is successful, You can use your credit card to make overdraft purchases.

2. Online processing

Nowadays, many people are afraid of trouble, so if you think the previous method is more troublesome, you can also use the online processing method. First, go to the official website of the bank you want to apply for, then find "Credit Card" on the homepage of the bank's official website and click to enter the "Credit Card" page.

Then click "Apply for Credit Card Now" on the "Credit Card" interface, then select the credit card type you want on the application page, click "Apply Now", and then select "Card Face" and "Card Organization" , click "Confirm" after selecting, then fill in the personal information and click "Confirm Submit".

After that, the bank will review it. After passing the review, the credit card will be sent to you. After you receive the credit card, go to the bank to submit information for activation. After successful activation, you can use the credit card for overdraft. Consumed.

The above is the answer to "How to deal with a credit card overdraft?" Credit card overdraft consumption can be said to greatly facilitate our lives, and also allows us to spend easily when eating, drinking, playing, and shopping. Friends who want to know more about this information can refer to the summary.

How to apply for an overdraft card?

The process of applying for a overdraft card:

1. You need to find a salesperson or go to the bank to fill out an application form;

2. Then the bank will regularly deliver the form to the review center;

3. The review center will review your filling in, conduct a credit assessment on you, and determine your credit limit;

4. Issue the card to you In your hand;

5. You can use it after signing;

6. There is no other way to use it and you just spend it like swiping your card. The fees for cash withdrawals are written in the bank's table, so please read them carefully. Just pay off the bill generated on the previous billing date before the repayment date.

Conditions that should be met when applying for a credit card:

1. Generally speaking, as long as you are aged 18-65, have a fixed job in the place of application, stable income and an income of Any natural person who is above the local average and has full capacity for civil conduct can apply for a credit card.

2. At the same time, the applicant for the main card can also apply for no more than two supplementary cards for his immediate family members who are over 16 years old and have full capacity for civil conduct. Applicants can collect the application form through bank outlets, log in to the bank portal to download and submit the application form, or call the bank's customer service number to request the application form to be sent.

3. When submitting the application form, the applicant needs to provide a copy of the identity document (resident ID card, military officer's ID card, Mainland Travel Permit for Hong Kong and Macao residents, Mainland Travel Permit for Taiwan compatriots, one of the foreign passports), and in addition Proof of employment needs to be attached, and some banks also require proof of fixed residence (such as real estate certificate, house rental contract, house purchase invoice, etc.) and proof of income.

Generally speaking, the applicant can check the progress of the application through the customer service phone 10 working days after submitting the application form. Whether the bank is accepting the application normally, the applicant can check whether the card has been issued after 15 working days. If the card is issued successfully, please pay attention Check.

When filling out the application form, you need to pay attention to the following matters:

First, before filling out the form, please be sure to read the credit card application agreement carefully to understand your rights and obligations. Once your card application is approved, the credit card acquisition contract will officially come into effect.

Second, each item in the application form needs to be filled out truthfully and completely by the applicant with a pen or signature pen. The handwriting must be clear and standard and cannot be altered.

Third, when choosing the statement mailing address, be sure to fill in the details and the postal code must be correct, so that the bank can keep in touch with you and ensure that you can receive the statement from the bank in time.

Fourth, if the "unit phone number" column of the application form is a switchboard phone number, be sure to indicate the extension number so that the bank can contact you as soon as possible during phone review or after-sales service.

Fifth, when filling in the application form, the main card applicant must personally sign the application form with a signature pen. If it is signed by someone else, it will be deemed invalid (unless the bank has other regulations) .

How to apply for an overdraft credit card

In fact, an overdraft card is a credit card in disguise. It just changes the name, but the nature is the same, and the process of applying for a credit card is the same. No different than the conditions. To apply for an overdraft credit card, applicants can bring relevant information to the bank counter to apply, or they can apply online.

The process of applying for a credit card:

1. Contact the bank’s credit card processing clerk, and someone will come to handle it. You can handle it quickly without going out;

2. Business After receiving the call, the clerk will come to the door and ask the handler to fill in the credit card application form and submit all the required materials;

3. Conduct a qualification review. The bank will decide whether to agree based on the capital account flow and credit record. Apply for a card;

4. After passing the review, a credit card will be issued. After receiving the card, you can activate it by phone, text message or online banking, and you can use it after changing the password;

5. You can also go to a business outlet to apply for it. At the business outlet, you also need to fill in a credit card application form, submit relevant information, and wait for bank review.