Can I handle credit cards on my mobile phone?
Credit cards can be handled on my mobile phone.
Credit cards can be processed through the bank's official website and the bank's APP. Let's take China Construction Bank as an example to briefly explain how to handle credit cards on mobile phones:
1. Handling through the APP of China Construction Bank
Operating environment:
Brand model: iPhone13
System version: iOS15.3.1
app version: v5.6.7.1
(1) In.
(2) Click the "Credit Card" option in the menu bar at the bottom of the mobile phone to enter the credit card page.
(3) slide down to find and click "Credit Card Application" in "Credit Card Management".
(4) Select the type of credit card you want to apply for, click "Apply Online", and then press the operation to apply.
2. Apply for
operating environment through official website of China Construction Bank:
Brand model: iPhone13
System version: iOS15.3.1
app version: v13.3
(1) Open Baidu browser and search for "China Construction Bank" in the browser.
(2) Click the official website of China Construction Bank to enter.
(3) Click "Credit Card" at the top of the home page to open the submenu, and click "Credit Card Application".
(4) Select the type of credit card you want to apply for and click "Apply Now". Then apply as required.
China Construction Bank, a national vice-ministerial unit, is a large state-owned bank managed by the central government. It was established on October 1, 1954 and its head office is located at No.25, Beijing Financial Street. The main business areas of China Construction Bank include corporate banking, personal banking and treasury business, with branches and subsidiaries in more than 2 countries and regions, and subsidiaries in many industries such as funds, leasing, trust, life insurance and property insurance. On August 27th, 221, China Construction Bank announced its semi-annual performance report for 221. The report shows that during the reporting period, China Construction Bank achieved an operating income of 416.332 billion yuan, an increase of 7.% over the same period of last year; The net profit was 154.16 billion yuan, an increase of 1.92% over the same period of last year.
China Construction Bank Co., Ltd. is a leading large commercial bank in China, headquartered in Beijing, and its predecessor, China Construction Bank, was established in October 1954. The bank was listed on the Hong Kong Stock Exchange in October 25 (stock code 939) and on the Shanghai Stock Exchange in September 27 (stock code 61939). The bank's market value at the end of 219 was about 217.686 billion US dollars, ranking fifth among listed banks in the world. In terms of Tier 1 capital, the Group ranks second among global banks.
How to apply for a credit card on a mobile phone
The channels for applying for a credit card on a mobile phone include mobile banking and third-party platforms. Taking mobile banking as an example, the general application steps are as follows:
1. Open the mobile banking and log in to your personal account;
2. Click "Apply for Credit Card" to enter the interface;
3. Find and click "Apply for Card";
4. Enter information such as name, ID number, mobile phone number, unit location, education, position, etc.
5. Check "I have read and understood the Articles of Association of xx Credit Card, xx Credit Card Collection Contract and related information of this bank card, and I am willing to abide by all the rules", and then click "Get Verification Code";
6. after entering the SMS verification code, click "submit" and wait for approval.
The steps of applying for a credit card by mobile banking in different banks may be slightly different. Pay attention to the page prompts when applying.
what are the requirements for applying for a credit card?
At present, there are many credit card issuing institutions in various banks. According to different customer groups, the emphasis on personal credit requirements is different, and the specific requirements are different, but some basic conditions are the same:
1. The age is between 18 and 65;
2. Have a stable occupation and income;
3. Have good credit and the ability to repay the interest on time;
4. Natural persons with full capacity for civil conduct (robots, vegetarians, minors, and a certain degree of mental illness are not allowed).
If you have not met the requirements for applying for an ordinary credit card, you can apply for a supplementary card through your parents and spouse. To apply for a supplementary card, you must meet the following conditions:
1. A natural person with full or limited capacity for civil conduct
2. An applicant who has reached the age of 13
3. An applicant who has not reached the age of 16 must provide a copy of his household registration book when applying.
It is worth noting that not everyone can apply for some cards, which have some special requirements for cardholders. For example, the Magic Credit Card of CITIC Bank can only be applied by women
b, and the relevant credit certificates that the applicant needs to provide:
First, all kinds of asset certificates should be fully prepared. Generally speaking, if you already have one or more credit cards and have a good repayment record, you generally don't need to provide proof of income or assets, just copy the credit cards you already have and send them with the application form (even if the credit card you have is not the card of the bank you are applying for, because all banks can check your credit status through the personal credit information system of the central bank, and good consumer credit and repayment credit are the most important for banks).
If you are applying for a credit card for the first time, the bank will decide whether to grant you a card and the size of the credit line mainly depending on your income and assets, because you have no consumer credit record. Generally speaking, if you apply for a credit card for the first time, the amount will not be too high unless you can provide sufficient proof of assets, such as proof of income, proof of house ownership, proof of mortgage purchase, proof of automobile ownership, bank deposit certificate or securities certificate. Of course, in addition to the asset certificate, other certificates that can prove your personal ability will also help you get a high credit card, such as academic certificate, technical grade certificate and other qualification certificates.
second, fill in the application form carefully. Generally speaking, the following aspects on the application form will affect the bank's credit evaluation score (the higher the credit score, the higher the probability of obtaining credit card approval and the higher the amount): 1. Whether there is a fixed telephone number in this city (having a fixed telephone number in this city means that your place of residence is stable, which will increase the bank's credit evaluation score for you); 2. Whether or not to get married (the score of married is higher than that of unmarried); 3. Whether it is a local hukou (the score of local hukou is higher than that of foreign hukou); 4. Whether there is a house (owning a house is higher than not having a house, and living by oneself is higher than living with parents); 5. Education level (the higher the education level, the higher the score); 6. The nature of the work unit (the more stable and well-known the work unit, the higher the score. For example, institutions, large state-owned enterprises and the world's top 5 enterprises all scored higher, while unknown private enterprises and small foreign enterprises scored lower); 7. Job description (The higher the job, the higher the score. For example, civil servants and company managers score higher than ordinary employees).
How to apply for a credit card on the mobile phone
Method 1. Apply for a card directly by using the mobile phone webpage
You can directly use Baidu's mobile phone to log on to the online bank credit card application page of the bank you choose, select the card type to apply for, read the contract and important tips, then select and fill in relevant information and materials, and finally submit the information.
the characteristics of this method are: single choice, only one bank can be selected, and it cannot be compared with other banks.
operating environment:
brand model: Huawei nova7
system version: harmonyOS.2
app version: v13.3
method 2. Call the bank customer service phone to apply for a card
After selecting a bank, you can also call the bank's credit card customer service phone with your mobile phone, and then switch to manual service, and the customer service staff will register it for you.
the characteristics of this method: it may take a long time to wait for the salesman, which requires enough patience.
Method 3: Apply for a card on WeChat
Now, almost everyone will play WeChat. By using their own WeChat to scan the QR code on the selected bank's official website or "add friends" or find the bank's credit card WeChat official account, after paying attention, they can apply for a credit card, check the progress, open a card and check the bill according to the prompts in the WeChat dialog box, which can be described as a "one-stop" service.
The characteristic of this method is that it is convenient to check all kinds of information of credit cards in the future, but the choice is still too simple.
operating environment:
brand model: Huawei nova7
system version: harmonyOS.2
app version: v8..18
a CreditCard is a credit certificate issued by a commercial bank or a credit card company to qualified consumers.
a 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 special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the specified limit.
where can I apply for a credit card for my mobile phone? These matters should be clear
Nowadays, the functions of smart phones are constantly improving. In addition to daily calling and texting, we can also handle many services. For example, we can use mobile phones to handle credit cards, and there are far more than one channel. Let's take a look.
1. where can I apply for a credit card for my mobile phone?
1. Wechat processing:
The most common way is to open the mobile phone WeChat, pay attention to the credit card WeChat official account of various banks, and you can see the words "card processing" on the menu. Click on it to enter the card processing page, select the credit card to apply for, fill in the relevant information and submit it according to the prompts, and then slowly wait for the bank's approval. In addition, you can also pay attention to "Tencent Micro Plus Credit Card" and apply for Tencent cards from various banks.
2. Alipay processing:
Open the mobile phone Alipay, enter the name of the bank you want to handle in the life service number, enter the bank life number after paying attention, select the credit card you want to handle, and fill in the application materials online and submit it. This method is suitable for friends with a sesame score of more than 6. The super-high sesame score is also one of the reference factors for banks to approve cards, which is helpful to improve the success rate of applying for cards.
3. Mobile banking:
Download the mobile banking apps of various banks on your mobile phone, and find the credit card column on the home page. Generally, you will have the option to apply for a card. After clicking in, you can choose the credit card you want to apply for, and just fill in the information and submit it according to the prompts. The process is actually similar.
Second, it may be necessary to apply for a credit card by mobile phone in person
Because it is also a kind of online application, the first card customer usually needs to go to face-to-face visa, and the second card customer generally does not need to face-to-face visa, but some banks are exceptions.
Anyway, just wait for the bank's notice after passing the preliminary examination. If the bank sends a short message to inform you to go for the face-to-face signing at the specified time, you must go. Remember to bring your valid ID card, and those who get the credit card should also bring the card letter. Only after the face-to-face signing is successful can you truly apply for the card.
how to apply for a credit card on a mobile phone
To apply for a CMB credit card master card, you need to be 18-6 years old (foreigners are 25-6 years old), have certain financial ability and have a good credit record, and submit information such as ID card, work certificate and financial proof.
if you need to apply for China merchants bank credit card, the current ways to apply through mobile phone channels are as follows:
1. wechat WeChat official account: you can search for "cmb4825555" on wechat WeChat official account and pay attention to "China merchants bank credit card". Enter "Apply for Credit Card" and fill in the reservation application materials. For details, please go to WeChat manual customer service for verification.
2. Mobile banking: You log in to mobile banking, click Home → All → Apply for a credit card, and choose: apply for a new customer card, recommend a card or add a card;
Tips: Mobile banking can't choose a card type for the time being. If you need to choose a card type, it is recommended to apply through a credit card in official website.
3. Pocket Life: After logging in to the Pocket Life client, select Finance → Card Application → Card Family Photo Application.
warm reminder: the credit card verification status is subject to the final audit result.