If you have a stable job and a stable income, the pass rate of applying for a credit card is very high.

To apply for a credit card, you must meet the requirements of the bank and provide the corresponding certification materials. At the same time, in order to successfully handle credit cards, we must do the following three things:

First, ensure that the information filled in is reliable;

Second, fill in the application materials carefully;

Third, remember the information you have filled in.

Credit card is a credit certificate issued by commercial banks or credit card companies to qualified consumers.

The form of credit card is a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

The role of credit cards:

1. It is convenient for people's life and saves the trouble of carrying cash. And there are no geographical restrictions on using credit cards. Whenever you swipe your card anywhere in China, you can swipe it as long as you have the UnionPay logo, and there is no handling fee;

2. Be able to participate in various discount activities in cooperation between merchants and banks;

3. The points earned by credit card spending can be exchanged for gifts;

4. Timely repayment after swiping the card will enhance the credibility of personal banks.

Credit card repayment methods are:

1, ATM repayment. Cardholders can go to the ATM of the bank to make a card deposit, and depositing money in the credit card means paying back the money.

2. Mobile banking repayment. All major banks have mobile banking software, which can be installed on mobile phones to repay credit cards.

3. AliPay repayment. Alipay has a credit card repayment function. Click "Credit Card Repayment" on the homepage, and you can repay after binding the credit card.

4. wechat repayment. There is a credit card repayment function on WeChat. Click "Me"-"Pay" to see the "Credit Card Repayment" function.

5. Repay at the bank counter. Cardholders can go to bank outlets with credit cards, ID cards and cash, and handle credit card repayment business at the counter.

The billing date means that the issuing bank will regularly summarize and settle all the transactions and expenses of your credit card account in the current period every month, calculate the total amount owed and the minimum repayment amount in the current period, and send a statement for you. This date is your credit card bill.

The repayment date refers to the latest date when the credit card issuing bank requires the cardholder to repay the payable amount. In other words, after the issuing bank issues the bill, you should pay off all the expenses you have consumed before the due repayment date.

Which do you vote for, credit card online application or counter?

With the rapid development of the Internet, the way to apply for a credit card is not limited to the traditional counter application, and online application has become one of the main ways to apply for a credit card. So, in the channel of using credit cards, is it better to apply for credit cards online or at the counter? Let's compare the two ways of applying for credit cards, hoping that parents can choose the channel of using credit cards correctly.

1, application speed

1) To apply for a credit card online, you must first fill out an application form. The bank will enter it within 30 minutes, approve it within one week, handle the card within two to three days, mail it within two working days, and then deliver it to the cardholder. According to this procedure, it usually takes fifteen days.

2) After applying for a credit card at the counter, filling out the application form and submitting the supporting documents, the bank will start a series of processes such as approval, card making and mailing cards, which will take one month at the latest.

2. Success rate of card processing

1) When applying for a credit card online, the bank can only make a preliminary examination based on the materials submitted when applying online. However, the materials that need to be filled in when applying online have certain limitations, and it is impossible to submit deposit certificates, income certificates and other materials, so banks will not easily issue cards, even if the amount of cards is very low.

2) For counter application, you can submit all materials that can prove your economic strength to the bank at one time, which can improve the approval rate.

3. In terms of quotas.

1) To apply for a credit card online, you only need to fill in the relevant information on the application form, and you don't need to provide any supporting information. As a result, the bank can only understand the applicant's situation from the application form. For the sake of safety, it is generally not allowed to be too high, especially for friends who apply for a card for the first time. Getting a card is a good thing.

2) You can submit any information when applying for a credit card at the counter. If you can provide financial proof, such as personal driver's license, proof of purchasing bank wealth management products or other wealth management products, etc. , which helps to get a high credit card.

Based on the above three aspects, we have no absolute conclusion as to whether it is better to apply for credit cards online or over the counter. According to different situations, we should choose the appropriate channel for card processing. Online application is half as fast as counter application, but the success rate and approved amount of counter application are relatively high.

Is it fast to apply for a credit card at the bank counter? Instructions for handling credit cards at the credit card counter

Many people will encounter various problems when handling credit cards. For example, some people think it will be faster to apply for a credit card at the bank counter. Today, I will talk about the related matters of handling credit cards at the bank counter, hoping to play some reference roles for friends who want to handle cards.

Is it fast to apply for a credit card at the bank counter?

The speed of handling credit cards at the counter is not fast. Applying for a credit card at the counter also requires the approval of the credit card center. The branch is only responsible for submitting the applicant's information to the credit card center, which takes at least 7 working days. After receiving the information, the credit card center must input it into the system before entering the audit stage.

It takes at least half a month from the application to the completion of the audit. After the approval, you have to make a card and issue it, and a set of processes will come down. It is estimated that it will take at least 20 days after the credit card arrives. Online credit card application can be completed as long as the application form is submitted on the same day, and then it can be completed within 15 working days at the earliest.

However, handling credit cards at the bank counter is not fast, but it is also beneficial.

1, the counter must handle the card in person, and the staff will directly approve the card after verification, so it is not necessary to go to the face-to-face signing. It is a foregone conclusion to approve the card, unlike online card application, which may be rejected.

2. You can submit all kinds of materials directly when you apply for a card at the counter. Although you have assets in your name, you can show all kinds of financial certificates, such as real estate, automobile products and wealth management products, which are all extra points in credit card application and help to improve the success rate of application.

Is it fast to apply for a credit card at the bank counter? I hope it will help everyone.

Is it reliable to apply for a credit card at the bank counter? Is the success rate high?

In the past, the network was underdeveloped, and credit cards were generally sold by salesmen and set up stalls in crowded places in supermarkets. Now this way of handling cards is occasionally encountered. What should I pay attention to? Is this credit card application form official? Is it safe to apply for this credit card?

In order to confirm the identity of the salesman

First of all, we must confirm the authenticity of the event, especially the booths randomly placed on the roadside. Before filling out the form, the salesman is required to show the bank's work permit and business card to confirm whether he is a bank employee. If you have doubts about the authenticity of the other party's identity, you can provide your job number to the bank customer service.

To learn about card information

Before applying, ask what kind of card they have. We must make clear the basic rules of credit cards, such as card type, card level, card amount and card annual fee rules, and then focus on cash withdrawal, installment, transfer and repayment.

General banks will have detailed brochures, which will record the card information. If you are not clear or misunderstood, you can ask the salesman again.

Pay attention to the details of filling out the form.

If the other party provides a "credit card application form" in paper form, you can fill it out yourself. Personal identity information, contact information, address and work unit should be authentic, and the terms of service should be checked according to personal needs.

If the other party does not have a paper "credit card application form", but the salesman uses a tablet computer to fill in the submitted materials, then the applicant must pay attention to the information filled in by the other party, mainly in the choice of other terms of service. Some salesmen choose to provide other services such as "SMS notification" and "supplementary card" for applicants without telling them, some of which are paid services. Generally speaking, when selecting and filling in the business, the salesman will ask the applicant whether the business is opened, but the applicant should also keep an eye on it and confirm whether the business he submitted is his own choice.

This concludes the introduction of the success rate of applying for credit cards at the counter and the success rate of applying for credit cards at the bank counter. I wonder if you have found the information you need?