China bank credit card how to apply for
1. Go to China Bank's business outlets to get the application form, fill in the relevant materials and submit the relevant certificates under the guidance of the salesperson, and then submit all the materials to the credit card department of China Bank for review.
second, look for bank staff to set up stalls in crowded places such as shopping malls and squares. Now, credit card issuance in various banks is very heavy, and many banks send people to set up stalls outside to handle cards. You can go to such a place, and the staff will guide you on how to prepare the application materials.
Third, find a local credit card salesman to handle it at home, because these salesmen get a corresponding commission for each card, so they will help you prepare materials very carefully. Too much service is much better. You can go to the Credit Card 123 channel, the largest salesman platform in China, to find a local credit card salesman, but it needs to be noted that the current salesmen are mixed, so please be careful to prevent being cheated.
4. Online processing of China Bank Credit Card. In fact, the online processing process of China Bank Credit Card is not very mature. Online processing can only download the application form from the Internet and mail it to the Bank of China Credit Card Center. The process is probably downloading the form online-filling in the form and attaching materials-mailing it to the Bank of China Credit Card Center-calling for credit-approving the card-mailing the credit card to you.
that's all the contents of the guidelines for handling credit cards in China banks. among these methods for handling credit cards in China banks, the first method is the most commonly used and the safest, so it is recommended that cardholders adopt the first method.
China bank credit card application conditions
1. China bank credit card and Great Wall RMB card application conditions:
1. Age requirements: Bank of China requires that the applicant for the main credit card must be a person with full capacity for civil conduct, and the age of domestic residents must be between 18 and 65, and the age of foreigners must be between 25 and 65.
2. Job requirements: A stable job means a stable source of income. With these, banks don't have to worry that credit card holders can't change money. Therefore, applying for a credit card requires a stable work unit, income and fixed residence.
3. Credit requirements: Personal credit records play an important role when banks consider whether to approve credit card applications and credit card quotas. Therefore, credit card applicants must have no bad credit records.
in addition, the principal cardholder can apply for a supplementary card for others, and the applicant for the supplementary card must be the parent, spouse or child (aged between 16 and 65) of the principal cardholder.
ii. application conditions for China bank credit card gold card
gold cards, also commonly called VIP cards or VIP cards, are mostly made of yellow metal (such as gold plating). The appearance of the gold card is a symbol of status, etc. No matter what, of course, it is more practical that the gold card often comes with a lot of preferential treatment.
The application conditions for the China Bank Credit Card Gold Card are: China residents, foreigners living in China, compatriots from Hong Kong, Macao and Taiwan, who need the applicant to be at least 18 years old, have full capacity for civil conduct and have good credit standing, can apply to the card issuer for a personal credit card master card with their valid identity documents.
in addition to the above requirements, the average monthly balance of financial assets (including local and foreign currency savings deposits, funds, government bonds, etc.) in China banks should be above 2, yuan (inclusive) within one year. This means that you have enough funds and have a lot of business dealings with the Bank of China, so it will be easier to apply for a gold card from the Bank of China.
III. Conditions for online application of China Bank Credit Card
All China citizens who have reached the age of 18, have full capacity for civil conduct, have legal and stable income, foreigners who have the right of abode in China and compatriots from Hong Kong, Macao and Taiwan can apply for BOC Credit Card locally. The conditions for online application are the same, but the application channels are different.
China bank credit card application materials
The basic materials to be submitted in the process of China bank credit card application are as follows:
1. Identification materials: a copy of ID card or household registration book or military officer's card. If you are a foreigner, Hong Kong, Macao and Taiwan, you need to provide a copy of your passport, residence permit, Hong Kong/Macao ID card and Taiwan compatriots' certificate of returning home. These identification materials are essential. Without identification materials, no bank will approve your credit card.
2. Proof of stable residence: These materials mainly prove that you are a permanent resident of a certain place, which is convenient for banks to control risks. The materials can be a copy of the latest payment bill for water, electricity, gas and fixed telephone charges (choose one).
3. Credit certification materials: provide these materials to prove that you have enough ability to repay the expenses incurred by swiping the credit card. The materials can be payslips or income certificates issued by the applicant's work unit (which need to be stamped with the company's financial seal), or a copy of the salary passbook/bill issued by the bank (which needs the information of the last three months' salary entry), or a copy of the personal income tax withholding certificate (the most effective).
Credit card application process of China Bank
Handling outlets (data sorting and preliminary examination) → Administering branches (preliminary examination) → Provincial or municipal branches (data review, packaging and mailing) → Beijing Card Center (approval and quota control) → Business card printing center (business card printing) → (mailing) applicants. Branches have no right to issue cards, only the right to review. Telephone verification is a part of the audit.
It takes about 15 days from the submission of the application to the approval, and about 1 days from the receipt of the card by post. Generally speaking, it takes about 25 days to receive the card when applying for a credit card for the first time. If you already have a credit card, you can receive it in about 15 days if you apply for it in online banking.