How to apply for a credit card
Steps to apply for a credit card:
1. The application method is generally by filling in a credit card application form. The content of the application form generally includes the application The person’s name, basic information, economic status or source of income, guarantor and their basic information, etc. And submit certain copies of documents and certificates to the card issuing bank.
2. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form. The application form is accompanied by a contract for the use of the credit card.
3. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement on the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.
Main features:
①Credit card is one of the fastest growing financial services today. It is an electronic currency that can replace traditional cash circulation to a certain extent;< /p>
②Credit cards have both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using credit cards;
③Credit cards are high-tech products that integrate financial services and computer technology.
④Credit cards can reduce the use of cash;
⑤Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;
⑥Credit cards can simplify collection Reduce payment procedures and save social labor;
⑦Credit cards can promote product sales and meet social needs.
Advantages:
Compared with ordinary bank savings cards, the most convenient way to use credit cards is that they can be used for ordinary consumption without cash in the card. In many cases, as long as Just return the consumed amount on schedule.
1. You can overdraft for consumption without deposit, and you can enjoy an interest-free period of 25-56 days to repay on time without any interest.
2. Swiping your card when shopping is not only safe, hygienic and convenient, but also provides points for gifts.
3. Use the card to enjoy discounts at the bank's designated merchants
4. Accumulate personal credit and add integrity records to your credit file, which will benefit you throughout your life.
5. It is accessible nationwide and you can withdraw money or make purchases by credit card at ATMs and POS machines with the UnionPay logo.
6. Use your card to make purchases and collect existing points. A variety of discounts and lucky draws are available throughout the year, so you can always be surprised just by using your card.
7. Free monthly mailing statements, allowing you to have a transparent grasp of every consumption expenditure.
8. The unique supplementary card function is suitable for couples to manage finances together or control their children’s financial expenditures.
9. The free choice of one card and dual currencies is available all over the world. Overseas consumption can be repaid in domestic RMB.
The 10.400 telephone number or the 5-digit short number starting with 9 is available 24 hours a day. Loss reports are effective immediately and there is zero risk of losing the card.
11. Have a validity period: It is known that domestic credit cards are generally valid for three or five years.
12. Use third-party platforms (the domestic platform that supports credit card bill management is mainly Jujindou) to conduct business cooperation and provide preferential services to cardholders.
Introduction to the specific steps of how to apply for a credit card
How to apply for a credit card? It is reported that the specific steps to apply for a credit card are as follows:
1. Select a bank and log on to the official websites of major banks for detailed information.
2. Apply. After deciding which bank's credit card to apply for, you can go directly to the branch to apply, or you can apply on the official website.
3. Fill in the application form and fill in the relevant information according to the guidance of the staff. When submitting the form, you must provide a copy of your identity certificate, work certificate (a copy of your work permit stamped with the company's official seal or the original work certificate issued by your company) and financial certificates (such as income certificate, bank deposit certificate, income tax withholding certificate). Photocopy, etc.), some banks also require applicants to provide proof of mailing address.
4. After filling in the information, submit it to the bank for review. The bank's credit card center will systematically review the applicant's information and use this to decide what type of card to issue to you and the credit limit to grant you.
5. Download the card. After approval, the card will generally be sent by registered mail.
You can log in to the official website of the relevant bank to check the progress of card application, or you can consult by phone.
6. After activation, there will be relevant usage guide when you receive the card. Read it carefully and remember the settlement date and repayment date. At the same time, you can set the relevant password according to the prompts. After it is opened, your credit card can be used. The limit is determined by the bank based on the information you submitted, social security, bank records, etc. If you feel it is not enough, you can apply to the bank to adjust the temporary limit or fixed limit.
Finally, here are some things to note when applying for a credit card:
1. Fill in the information, especially the address, as detailed as possible.
2. Pay attention to the safekeeping of credit cards, beware of loss, and report the loss immediately.
3. Provide more proof of financial resources and apply for a higher credit limit.
How to apply for and use a credit card?
Processing:
The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, financial status or source of income, guarantor and Its basic situation, etc. And submit certain copies of documents and certificates to the card issuing bank.
After the customer fills in the application form truthfully, he or she must also submit relevant credit certificates while submitting the completed application form. The application form is accompanied by a contract for the use of the credit card.
The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement on the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.
Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.
After the applicant successfully applies for a credit card, the card-issuing bank will open a separate credit card account for the cardholder at the card-issuing bank for settlement after shopping, consumption and cash withdrawal.
Use:
Credit cards are usually only used by the cardholder himself. Lending them to others is generally a violation of the use contract. Swiping your card on a POS machine is the most common way to use a credit card, and it is a way of swiping your card online.
When swiping a card, the operator should first check the credit card's validity period and the cardholder's last name and other information. Then, select the corresponding POS machine according to the card issuing bank and the currency type to be paid, and swipe the magnetic stripe of the magnetic stripe credit card on the POS machine.
Or insert the chip credit card into the card slot, connect to the bank to pay, and enter the corresponding amount. After the remote payment accepts the information, the POS will print out a receipt (at least two copies) for the card payment.
The cardholder should sign the payment receipt after checking that the information on the payment receipt is correct. After the operator checks the signature on the receipt and the signature on the back of the credit card (including that the name completely matches and the handwriting basically matches), the operator gives the credit card and a copy of the card payment receipt to the cardholder. At this point, the card swiping procedure on the POS machine is completed.
Extended information:
According to the notice on the issuance of the "Credit Card Business Management Measures":
Article 33: All transactions under the People's Republic of China and the State Units that open basic deposit accounts at domestic financial institutions can apply for unit cards. Several unit cards can be applied for, and the cardholder's qualifications shall be designated and canceled in writing by the legal representative of the applying unit or his authorized agent.
Citizens with full capacity for civil conduct can apply for a personal card. The main cardholder of a personal card can apply for supplementary cards for his spouse and relatives over the age of 18. There may be no more than two supplementary cards. The main cardholder has the right to request the cancellation of his supplementary cards.
Article 34 When applying for a credit card, an organization or individual should fill in the application form in accordance with the regulations and submit it together with relevant information to the card-issuing bank. For those who meet the conditions, the card-issuing bank will open a credit card account for the applicant and issue a credit card.
Article 35 All funds in the unit card account shall be transferred and deposited from the basic deposit account. Cash shall not be deposited, and funds from other deposit accounts and sales revenue shall not be deposited into the unit card account.
The funds in a personal card account are limited to cash deposits held by the individual or transfers from salary payments and other legitimate personal income. It is strictly prohibited to transfer funds from the company into personal card accounts.
Article 36 Credit cards can only be used by the legal cardholder himself, and the cardholder is not allowed to rent or lend the account.
Article 37 After the cardholder has paid off the principal and interest of the overdraft, the cardholder can cancel the account if it falls into one of the following circumstances:
(1) 45 days after the expiration of the credit card validity period, the cardholder shall The person does not replace the new card;
(2) After 45 days of reporting the loss of the credit card, the credit card does not have an additional card and does not replace the new card;
(3) The credit card is not good and is included in the Stop payment list, the card-issuing bank has withdrawn the credit card for 45 days;
(4) The cardholder dies for some reason, and the card-issuing bank has withdrawn the credit card for 45 days;
(5) ) The cardholder requests to cancel the account or the guarantor revokes the guarantee, and has returned all credit cards for 45 days; (6) The credit card account has not had any transactions for more than two years (inclusive);
(7) The cardholder violates other regulations and the card-issuing bank believes that the cardholder should be disqualified.
Article 38 The card-issuing bank shall take back the credit card when canceling the account. If a valid card cannot be recovered, payment should be stopped.
When canceling the account, the balance of the corporate card account will be transferred to the basic deposit account, and no cash withdrawal is allowed.
Article 39 If a credit card is lost or stolen, the cardholder should immediately apply for a loss report to the nearest card-issuing bank or agency bank with his or her ID card or other valid certificate, and provide relevant information as required. Loss reporting procedures.
Article 40 If the cardholder finds his or her credit card after applying for a loss report, he or she may apply to cancel the loss report and stop payment.