Credit cards can be overdrawn before repayment. Many friends like this consumption concept, so in 20 17, more and more people want to apply for credit cards. However, if you choose some informal channels to handle the card, it will bring endless trouble. The following are some formal channels for handling cards.

First, the bank counter or official website.

As an issuing bank, there is definitely no more formal channel than a bank. Whether you go to the counter or apply for a card in a bank in official website, the confidentiality factor is very high, and the security of the receipt is also good, and there is basically no risk of customer information leakage.

However, there are some shortcomings in handling cards at the bank counter, and it is often necessary to provide complete information, such as identity certificate, work certificate, financial certificate, household registration book, credit cards of other banks (using cards 1 year or more than 6 months), etc. The more complete the materials, the easier it is to apply for a card, and the amount of approval for handling a card is also relatively high.

Second, third-party institutions authorized by banks.

In addition, such websites not only provide application channels, but also provide cardholders with some credit card information. When you apply for a card on this kind of website, you can browse the credit card information of several banks at the same time, without having to apply for one bank at a time.

Third, the third-party payment platform

Banks also cooperate with third-party platforms such as WeChat and Alipay. This kind of application channel is also very formal, with high safety factor and very fast card processing speed.

For example, if you apply for the credit cards of China Everbright Bank and Minsheng Bank on Alipay, after filling out the application form and submitting it, the bank will authorize you to check your sesame credit score and realize the second batch according to the sesame credit score.

These are the most common formal channels for applying for credit cards. No matter which channel you apply for a credit card, you should choose the card type that really suits you according to your income and consumption, and don't blindly pursue high platinum cards.

Generally speaking, as long as you have a stable job and a good credit record, it is no problem to apply for a credit card yourself.