How to apply for a credit card at a bank

For details, please consult the specific branches of major banks for the specific procedures for applying for a credit card.

The above content is for your reference, please refer to actual business regulations.

How to apply for a credit card?

You can apply for a credit card if you are between 18 and 70 years old, have a stable income, and have good credit. The card application methods through the following bank channels are summarized:

1. Apply for the card through bank branches. Bring the original ID card, proof of work income (usually including: work permit from the unit, proof of employment, salary card statement (preferably more than 3 months old), tax bills for the past 3 months, social insurance policies, provident fund bills, etc., not all of these are required If you want, you can if you have it) If you can attach some proof of financial resources, such as real estate, cars, bank certificates of deposit, financial management, etc., then it will be very helpful to apply for the card.

2. Apply online on the bank’s official website.

3. Mobile banking.

4. Online banking.

5. Official WeChat public account. (It must be official~)

How to apply for a credit card?

The first way to apply for a credit card is: the applicant goes directly to the bank counter to apply. If you apply at a bank, you must fill in the information directly. There are bank staff on site who can guide me in filling in the relevant information, which can avoid the problem of being rejected if the information is filled in incorrectly. At the same time, we can issue more qualification certificates and wealth certificates, which will help increase our final card purchase limit. However, the credit card review process at the bank counter will be relatively slow, because the information must be reported from the branch to the credit card center, and then the card center will review your information. Another way is to apply for a card online: Nowadays, when applying for a credit card, we can apply for it on the official website of the credit card. However, when applying for a credit card online, we have to fill in the information ourselves, which makes it easier to fill in the information incorrectly. was dismissed. However, online application is mainly convenient and you don’t have to go out. You only need a mobile phone or a computer to apply. There is another way to apply for a credit card: that is to apply for a credit card through the bank's credit card clerk. We often see these bank staff setting up stalls in shopping malls or other stores to promote credit card applications. This method of applying for a card allows you to receive prizes, but since they are all business personnel, their main purpose is to obtain performance, so we still have to carefully consider things that guarantee a high limit and ensure the card is issued, and not to believe too much. The process of applying for a credit card 1. Prepare the application materials. 2. After the materials are ready, you can go to the bank to apply or make an appointment online. 3. Then wait for the bank's approval. During the approval process, the bank will call the applicant to verify the information. 4. After the approval is passed, the bank will mail the card to the applicant. It will take about 3 weeks to get the card after successfully submitting the information. "Legal basis: Credit card business is a civil act. The General Principles of Civil Law, Contract Law, Criminal Law, People's Bank of China Law, Commercial Bank Law and other laws have principled provisions on credit card business. Chapter 5 of the "People's Bank of China Law" states that the People's Bank of China examines and approves the establishment, change, termination and business scope of financial institutions in accordance with regulations. Article 3 of the "Commercial Bank Law" has 13 items in its business scope. Credit goes to school. Businesses that fall under item 13 and are approved by the People's Bank of China are invalid and subject to corresponding criminal liability.

How to apply for a credit card?

The credit card processing method is as follows:

1. Prepare materials. When going to the bank to apply for a credit card, you must first prepare the corresponding application materials, generally including original ID card, work certificate, income certificate, etc.

2. Go to the bank to get the number. After you prepare the information, you need to choose a bank branch you like, go to the bank’s self-service number machine to get the number, and prepare to handle the business.

3. Fill in the card processing information. Generally, you can ask the bank lobby manager how to fill in the information after picking up the number. Fill in the information according to the staff's prompts and the template provided by the bank.

4. Submit the information. After filling in the corresponding information, wait for the number to be called at the bank counter. After getting the number, go to the counter to submit the required information and wait for the bank to review it. 5. Anti-audit. After reviewing the information, the information will be reviewed according to the corresponding regulations of the bank to see if it meets the conditions for applying for a credit card.

If so, it passes the review. If it can't do it, it will tell you why it can't be done.

6.Card issuance is activated. If the bank has already applied for the card, the bank counter staff will issue the card to you in time and help you activate it. From that point on, your credit card has been successfully processed.

Extended information:

1. Advantages and disadvantages of applying for a credit card:

(a) Advantages of a credit card:

1. No deposit required For overdraft consumption, you can enjoy an interest-free period of 20-56 days.

2. When shopping, you will get points as gifts.

3. Special merchants who hold cards at the bank can enjoy discounts.

4. Accumulate personal credit, and the credit record can be added to the credit file.

5. You can withdraw money or swipe your card at ATMs and POS machines with the UnionPay logo.

6. Some credit cards accept existing points.

7. Free monthly mailing of statements.

8. With the supplementary card function, you can manage finances together and control your children’s financial expenditures.

9. In the form of one card and two currencies, you can use domestic RMB to repay when you spend abroad.

10. 24-hour service hotline, loss report takes effect immediately.

11. Cooperate with third-party platforms to provide cardholders with preferential services.

(2) Disadvantages of credit cards:

1. Credit cards can easily lead to over-consumption.

2. Credit cards have higher annual interest rates.

3. Credit card debt can cause mental stress.

4. If your credit is not good, the cost of borrowing money will be higher, and you may even not be able to borrow money.

How to apply for a credit card

1. If it is an ordinary debit card, just bring your ID card to the counter to apply, and you can get the card in about half an hour; if it is a credit card, If you meet the conditions for applying for a card, it will take about a month because the bank needs time to review the user's credit and other information.

2. The process of applying for a bank card:

⒈ Bring your ID card and a small amount of cash to a bank branch;

⒉ The staff in the bank lobby Fill in the form with assistance;

⒊ Queue up to get the number, and at the same time copy the ID card with the assistance of the staff;

⒋ Call the number at the counter, go to the counter, and give the filled-in form and ID card Give it to the bank teller;

⒌When applying for a card, you will need to sign and enter a password. The password is a six-digit number. After setting it, you must remember it. This will be the password for future withdrawals;

< p>⒍After all the procedures are completed, you will get a bank card. If you handle online banking at the same time, you will also get a security card or a USB shield;

⒎Complete the card application, take your belongings and leave That’s it.

3. Bank cards usually include debit cards (deposit cards) and credit cards. Credit cards will not charge any fees when applying, so you can apply with confidence; if you apply for a debit card, the bank will charge 5 to 20 There is a production fee ranging from RMB 1,000 to RMB, and there are no other fees. You can deposit money or not when applying for the card. The bank does not impose any mandatory regulations.

4. It is not necessary to apply for a bank card in person. The bank card handled by an agent only has the function of depositing and withdrawing money. If you want to open online banking or apply for a credit card, you still need to go to the bank in person. When someone else applies for a bank card on your behalf, you need to provide the bank with the original and photocopy of the ID card of both the handler and the agent. You cannot use other certificates such as the username and password as a substitute. During the handling process, the relationship between the handler and the agent must also be stated, as well as the reasons for the agent.

Legal basis: Article 28 of the "Measures for the Administration of Bank Card Business" When an individual applies for a bank card (except stored-value cards), he or she shall provide the card-issuing bank with his or her valid identity document specified by the public security department. After the bank passes the examination, it will open a registered account; any unit that opens a basic deposit account at a financial institution in China must apply for an unit card with the account opening license issued by the People's Bank of China; bank cards and their accounts can only be issued by the bank. It is for personal use only by the cardholder approved by the bank and is not allowed to be rented or lent.

This is the introduction of how to apply for a credit card with a bank card.