To apply for a credit card, you don't need to take photos of the office environment, but you need to provide proof of economic source and fill in your work income. If you apply online, you don't need to provide paper materials Conditions for applying for a credit card: the applicant must be at least 18 years old, have no bad record in the bank, have a good credit, have a stable job and a reliable source of repayment, and also need to provide the bank with proof of financial resources, contact information of two contacts and bring valid identity documents to the outlet for processing.

You don't need a photo of the company, just take your ID card to the bank or the sales point to take photos. Banks attach importance to individuals having stable jobs and stable sources of income. 1. Applicants should be 18-60 years old (foreigners are 25-60 years old), have certain economic ability and have a good credit record. 2. The applicant for supplementary card is over 14 years old (inclusive), and the principal cardholder can apply for supplementary card for immediate family members (parents, spouses or children). 3. Original and photocopy of ID card. 4. Work certificate and income certificate (required to be stamped by the company). 5. Non-local accounts also need to provide proof of residence. 6. Individuals should also provide the following materials: a verified business license or tax registration certificate, which proves that they have been operating for more than two years; Business premises contract or ownership certificate (i.e. real estate license). Tips: If you want to apply for a higher credit line, prepare some financial proof materials, which can be bank payroll records, income tax withholding certificates (tax payment certificates), or documents that can prove your financial level, such as houses, cars, deposits, investment market value certificates, etc. The real estate license must have the name of the person or spouse and the relationship certificate; My name must be on the car registration card.

: 1. Age meets the requirements: the main card applicant must be 18 years old or older, and the maximum age limit varies from bank to bank; The age of supplementary cards is different according to the regulations of different banks, and the applicable age is also different. The minimum age should not be less than 13 years old. Take China Merchants Bank as an example. The main card applicant should be 18 to 60 years old. The main cardholder can apply for supplementary cards for parents, spouses or children. Supplementary card applicants should be over 14 years old.

2. Have a fixed work certificate: the applicant must have a stable job and legal income, and have a certain repayment ability. For example: proof of income stamped with the financial seal of the unit; Social endowment insurance certificate; Other financial certificates, such as real estate, cars, stocks, bonds, etc. ; You don't need to show all the above economic certificates, you can choose the one that suits you. The financial proof you provide has a certain impact on the success of the application and the amount of credit cards issued.

3. No bad credit record: bad credit record, also known as credit stain. After a bank customer applies for a loan, the repayment is overdue for some reasons, which is called a bad credit record.

Can I send the front and back photos of my credit card to others?

You can't take pictures of others on both sides of a credit card. When a cardholder uses a credit card to make a large amount of consumption, the issuing bank will pay the consumption funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and deduct the consumption funds from the cardholder's credit card account in stages according to the cardholder's application, and the cardholder will repay according to the monthly recorded amount.

In the past, credit card installment mainly included bill installment and single consumption installment, and banks usually charged corresponding handling fees according to the number of installments. Whether it is bill installment or single consumption installment, the premise is to generate consumption behavior first, and then the bank will set installment repayment for the generated credit loan.

Extended data

All issuers can basically support this staging method, and the application is simple. Users only need to apply to the issuing bank for installment by phone after spending their credit cards and before sending monthly bills. However, it should be noted that banks will stipulate some special circumstances, such as speculative credit cards can not be successful in installments. So before the trial run, be sure to read the trial run manual carefully.

The disadvantage of bill installment is that it can't exempt the handling fee. The longer the number of installments, the higher the handling fee, and the cardholder must bear it himself.

Baidu encyclopedia-credit card

Is it okay to take a credit card photo?

It doesn't matter if you take a photo on the front of your credit card. The important thing is that the back is signed with CVV2 code, which can be stolen on overseas websites.

It is a++behavior for non-bank institutions to ask cardholders for photos on the back of credit cards, and they can call the police directly. The proof of credit card is a++ and bank logo, and there is not much information. On the back of the credit card, there is the CVV2 code and the validity period of the credit card. The CVV2 code of a credit card is equivalent to the credit card password. Some overseas shopping websites do not need the user to enter the payment password, but only need the cardholder's account number and CVV2 code to complete the payment. In China, there are also businesses and banks that cooperate with each other. You don't need a credit card password, but only need a security code to complete the telephone transfer.

The CVV2 code contains the card account number, validity period and service code of the credit card. When criminals get CVV2 code, they can use CVV2 code to steal the brush. CVV information is stored in the track of magnetic stripe bank card. According to the information such as++number, track main account number and issuer identification code, the verification code is obtained by CVKA technology encryption. When obtaining a credit card, the cardholder should remember the CVV2 code at the first time, and then make it invisible by overwriting or erasing it. Generally, only banks and cardholders know the CVV2 code, and cardholders should not disclose their CVV2 code by taking photos.

How to shoot the face recognition video of credit card application

First, the photo environment should avoid dark or too bright places, and at the same time avoid shooting angles, avoid the problem of light reflection, and try to keep a horizontal plane.

Second: blink and open your mouth according to the prompt, then there are big bangs, hats, eyes and so on. , can be handled if necessary, because these may also lead to face recognition errors.

Do I need to take photos to apply for a credit card?

Now applying for a credit card requires a camera to take pictures;

First, the bank credit card application conditions

1. The applicant is between 18-60 years old;

2. Have a stable job and income;

3. Personal credit record is good.

Second, the bank credit card application materials

1, identification: generally, it is an ID card (if you use a new ID card, you need a copy of the front and back), and soldiers need to provide a copy of the military ID card;

2. Work certificate: it can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and affix the official seal or personnel seal of the company), or a copy of the work permit/license;

3. Proof of financial resources: it can be a payroll record issued by a bank, an income tax withholding certificate, or a market value certificate of a house, a car, a deposit or an investment (such as a copy of the real estate license/car driving license/bank time deposit certificate) and other materials that can prove the financial level.

4. Other documents for reference include: personal account list of social insurance in the last 6 months, water, electricity and gas bills, credit card bills of other banks, etc.

Third, the online application process

1. Log in to the bank credit card online banking and select your favorite card;

2. Click "Credit Card Application";

3. Select the appropriate application process;

4. Fill in personal information in order to apply for approval;

5. When submitting a credit card application, the bank will review the reservation information and generally inform the processing result within 7 working days.

If you are already a credit card holder, you need to fill out the application form online, print it out and mail it to the credit card center.

Is it a lie to take photos and close the bank credit card?

Generally speaking, no. If you take a photo, because the salesman wants to improve the credit limit and pass rate of handling credit cards and improve high-quality customers, he should collect more information, handle gold or platinum cards, and examine them more strictly.

You can also take pictures at work. In this way, personal basic data can be approved and verified more quickly. You can increase the maximum increase of the basic amount.

Extended data:

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China.

When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank.

After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

check

After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.

Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand.

Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.

Credit card _ Baidu Encyclopedia

This concludes the introduction of credit card photography and credit card photography. I wonder if you found the information you need from it?