Credit card (debit card) can be opened directly without face-to-face signing. The user is an old customer of bank card, who has handled a credit card (debit card) before, and can open the card directly after getting the card. However, if the user is a new user and applies for the first card through the network, he must go to the bank counter to sign the card, and the card does not support other ways to activate for the time being.
It is actually relatively simple to open a card at the bank counter. As long as you carry your ID card, credit card (debit card) and mobile phone and confirm some information, you can successfully open the card.
What happens if the credit card you apply for doesn't have my signature?
To apply for a credit card, you need to bring the original ID card (temporary id card can't handle it) to any bank counter for face-to-face signing.
Failing to apply for face-to-face visa within the time limit shall be deemed as giving up the application for credit card. And you can't submit a credit card application again through online channels within 90 days.
It's gonna be okay.
In the personal credit report, there is a credit card that is not activated.
Other than that, it has no effect.
The credit card application has passed. If you don't go to the interview, the card will be invalid and can't be used. In addition, the card has a valid activation time. It is useless to completely cancel the card as soon as it arrives, and it is impossible to activate the face-to-face visa when going to a bank outlet.
What happens when you apply for a credit card without going to the bank for an interview?
The main purpose of the bank's request for customers to go to the business outlets for face-to-face signing is to verify the identity of the applicant and confirm whether the cardholder himself applied for it. Only when the interview is passed can the user activate the credit card normally. If you don't go to the interview within the validity period of the interview, the bank will automatically give up applying for a credit card, and users can't reapply for a credit card through the online channel for a period of time (usually 90 days).
However, if the credit card passes the preliminary examination and does not go to face-to-face signing, it will not have much impact on personal credit reporting, nor will it affect the handling of other financial businesses.
Extended data:
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. 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 limits.
Credit card refers to an electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.
20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.
Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).
Credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, and make repayment on the checkout date.
Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts.
Credit card is a special carrier card with consumer credit issued by commercial banks to individuals and units. It is a card with the name of the issuer, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back.
A real credit card has the following characteristics: cash is not allowed to be pre-deposited, it is paid after consumption, it enjoys an interest-free repayment period, and it can be repaid in installments (with a minimum repayment amount). Joining international credit card organizations such as VISA and MASTER can be used worldwide.
How long has it been since anyone signed a credit card?
I didn't go to the bank for the first interview, and the customer service will send a notice again, this time for seven days.
If the cardholder fails to go to the bank for face-to-face signing after seven days, the credit card will be invalid.
To apply for a CMB credit card, you need to bring the original ID card (temporary id card can't handle it) to any CMB counter to apply for a credit card interview through online channels (except for door-to-door application and professional application).
Failing to apply for a face-to-face interview within the time limit is regarded as an automatic waiver of applying for a credit card, and you cannot submit a credit card application again through online channels within 90 days.
First, the credit card face-to-face signing regulations:
The credit card will not take effect until it is signed in person at the bank counter within ten days after receiving the text message.
Second, the interview process
1. Applicants can go directly to the lobby manager of the bank.
2. Enter the bank's PBCS low cabinet system for face-to-face interview.
3. Enter the application number, mobile phone number and ID number.
4. Print the application form, copy the ID card and sign for confirmation.
5. The bank personnel confirm that it is the applicant's personal interview.
6. After confirmation, the interview was successful.
Face-to-face visa of credit card means that the credit card applicant carries his valid identity certificate to the bank's business outlets for identity verification. If he applies for a credit card online, he needs to go to the bank to complete a face-to-face interview to activate the credit card after passing the examination of the bank and receiving the credit card.
The credit card interview process is as follows:
1. After receiving the face-to-face SMS, you need to bring your ID card to the outlet of CITIC Bank within the specified time;
In the face-to-face interview at the bank counter, the staff will check the identity information and then ask you some information about the application materials. It's best to remember what you filled in when applying between face-to-face interviews;
3. Sign your name and take photos after asking, and then finish.
1. Card issuing
After the applicant successfully applies for a credit card, the issuing bank will open a separate credit card account for the cardholder at the issuing bank for shopping, consumption and settlement after cash withdrawal.
Open the card
Because the credit card application is approved by post, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened.
It should be noted that card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements. At this time, the applicant becomes the cardholder 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.
What happens when you apply for a credit card without signing a contract with the bank?
The main purpose of the bank's request for customers to go to the business outlets for face-to-face signing is to verify the identity of the applicant and confirm whether the cardholder himself applied for it. Only when the interview is passed can the user activate the credit card normally. If you don't go to the interview within the validity period of the interview, the bank will automatically give up applying for a credit card, and users can't reapply for a credit card through the online channel for a period of time (usually 90 days). However, if the credit card passes the preliminary examination and does not go to face-to-face signing, it will not have much impact on personal credit reporting, nor will it affect the handling of other financial businesses.
Nowadays, many people apply for credit cards online. If you apply for the first card, you have to go to face-to-face visa, while some banks pass the preliminary examination and then face-to-face visa, and some banks need to face-to-face visa and then face-to-face visa. If it is the latter, you will receive SMS confirmation at the outlet, which is actually asking for an interview.
In fact, the purpose of face-to-face interview is for the bank staff to confirm the applicant from two aspects. One is to confirm that the original valid ID card is my own card through photo comparison, and the other is to confirm the authenticity by asking questions and reviewing the information on the application form. Finally, let the applicant sign the application form, indicating that the applicant agrees to abide by the relevant provisions of the credit card contract.
If you don't want it, you can skip the interview. Usually the bank will set a confirmation period. If you don't go to the outlet to confirm in time, the staff can't verify the applicant's information in person to confirm that you have a card, so don't give it. It also means that users voluntarily give up their applications. If you want to continue to apply in the future, it will take some time, usually about 90 days. Moreover, the user's choice to give up at the face-to-face signing stage of the credit card will leave a bad impression on the bank, which may affect the pass rate of the next card application.
Generally speaking, the purpose of a credit card interview is to verify the identity of the applicant. Generally speaking, it is mainly aimed at users who apply for new cards online. Although it may not be possible to get off the card by going to the outlet to confirm, there is still a chance compared with not confirming. Of course, if you don't want a credit card after passing the preliminary examination, you don't have to confirm it, but Bian Xiao still suggests waiting until it is really necessary to apply for a credit card. After all, the credit report will leave a credit card approval inquiry record.
Consequences of not signing a credit card in person
For this question, different banks have different regulations and can't give a definite answer. Generally speaking, not going to the interview will affect the next credit card application.
If you don't want to apply because of the quota, you must contact the bank customer service to cancel even if you don't want to go to the outlet for face-to-face signing, otherwise it will affect the application after the credit card. If you want to use your credit card normally, you must go to the bank for a face-to-face interview and bring your original ID card, work certificate, financial proof, etc. , and activate your credit card. Otherwise, credit cards are useless.
However, the interview is only a process and will not be recorded in personal credit records. Because the bank did not conduct the final review of the card rejection, the credit card application will not be marked as rejected.
Let's call it a day without introducing credit cards.