The banks available in Liuzhou include Bank of China, China Construction Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, Postal Savings Bank, Bank of Communications, CITIC Bank and Ping An Bank. The steps for applying for a credit card are as follows:
1. Application
In most cases, those with full capacity for civil conduct (citizens over 18 years old in mainland China) have certain direct Citizens with limited financial resources can apply for a credit card from the card issuing bank. Sometimes, legal persons can also be applicants.
2. Review
After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. The creditworthiness of the applying unit must be evaluated, and the relevant circumstances of the guarantor must also be reviewed for individuals.
3. Card issuance
After the applicant successfully applies for a credit card, the card issuer will open a separate credit card account for the cardholder at the card-issuing bank for shopping, consumption and cash withdrawal. Settlement.
4. Open a card
Since the card is sent by mail after the credit card application is approved, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from fraud losses, the credit card has set up a card opening procedure before it is officially launched.
5. Identification
The credit card must have at least the following information:
Front: name and logo of the issuing bank, credit card number (organization logo) and holographic anti-counterfeiting Mark, card number, name in English or Pinyin, activation date (generally calculated to month), validity date (generally calculated to month), the latest issued card has a chip on the front, and the chip account and the card magnetic stripe account are two relatively independent accounts .
Back: card magnetic stripe, cardholder signature field (signature required after activation), service hotline number, last four digits of the card number or the entire card number (to prevent fraudulent use), credit card security code (on the credit card On the signature line on the back, there are three digits immediately following the last four digits of the card number, which are used for credit card activation, password management, TV, telephone and online transactions, etc.).
6. Authorization
The merchant and bank confirm that the credit card is valid, and contact the bank to request authorization according to the contract signed with the card issuer. Authorization is to further confirm the cardholder's identity and the amount that can be used. Authorization is generally made when the usage amount specified in the contract is exceeded.
7. Use
Credit cards are usually only used by the cardholder himself. Lending them to others is generally a violation of the use contract.
Extended information:
Application conditions
1. There are certain age requirements for applying for a credit card: you must have full civil capacity, that is, 18 years old and above.
2. Have legal and stable income and good credit.
3. Provide corresponding identity documents: copy of ID card or military officer ID.
4. Employment certification documents. Some banks also require proof of income and financial resources. Proof of financial resources can include a copy of the real estate certificate, a copy of the motor vehicle driving license, a bankbook, etc. Anyway, the proof of financial resources depends on the individual's repayment ability, which makes it easier to apply.
5. Documents proving the place of residence, which can be a copy of the household registration book, or certification materials issued by the street, or other certification materials. This is easier to do.
6. Fill out an application form for applying for a credit card.
Baidu Encyclopedia-Credit Card