How to apply for Bank of China VISA credit card

You can use Bank of China mobile banking, "Bank of China Credit Card" WeChat official account, Colorful Life APP, online banking, and Bank of China official website () Apply for processing. You can also bring valid documents, as well as proof of financial resources, income, etc., to a Bank of China branch to fill out the application form to apply. Proof of financial resources includes real estate, cars, salary certificates (details of the past three months), complete tax payment certificates, employment certificates (with company seal or financial seal required), etc. The details will be determined at the counter.

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

How to apply for a credit card

The credit card processing method is as follows:

1. Prepare materials. When you go to a bank to apply for a credit card, you must first prepare the corresponding application materials, which generally include original ID cards, work certificates, income certificates, etc.

2. Go to the bank to get the number. After you prepare the information, you need to choose a bank outlet you like, go to the bank's self-service number-taking machine during working hours to pick up your number, and prepare to handle business.

3. Fill in the card processing information. Generally, after taking the number, you can ask the bank lobby manager how to fill in the information, and fill in the information according to the staff's prompts and the template provided by the bank. The information required to be filled in must be accurate and cannot be erased.

4. Submit information. After filling in the corresponding information, wait until the bank counter calls your number. After getting the number, go to the counter to submit the required information for card application and wait for bank review.

5. Anti-audit. After receiving your verification information, the counter staff will review the information according to the bank's corresponding regulations 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 Bank of China VISA card?

The Great Wall Cross-border International Debit Card is an exclusive multi-currency international debit card customized by Bank of China for business travelers traveling abroad and students studying abroad. It supports VISA and MasterCard brands.

The platinum card products are mainly issued to customers with financial assets of more than 200,000 yuan or customers who deposit an equivalent of more than 10,000 yuan when opening the card; those who hold Platinum Cards of Bank of China or other commercial banks or above Customers with various bank cards of different levels can directly apply for EMV platinum debit cards with their cards, such as business travel customers, international students/parents, etc. Other ordinary customers (such as overseas students) can be issued gold card products. The gold card is the same as the UnionPay debit card, and there is no minimum deposit required for account opening.

Due to the different business opening conditions in various regions, if you need to apply for this card, please contact the local Bank of China branch for details.

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

Can I apply for a credit card with an F1 visa?

I cannot apply for a credit card with a visa. To apply for a credit card, you need an ID card, income certificate and other materials. The specific conditions and procedures are as follows:

1. Information required for applying for a credit card:

1. Identity certification materials;

2. Work and income certification materials;

3. Financial resources certification materials; < /p>

4. Educational qualifications, professional qualification certificates, self-owned real estate certificates, self-owned car driving licenses and other auxiliary materials;

2. Application conditions:

1. Citizens aged 18-65 years old and capable of civil conduct.

2. Have stable income and provide proof of income. If you have successfully applied for a credit card, you can use the card to apply for a card, and the process will be much easier.

3. The personal credit report must be good and have no bad records.

4. Whether you can successfully apply for a credit card is also related to your occupation. For example, security guards, self-employed people, farmers, etc. are more difficult to successfully apply for. Some banks have launched "Huimin Cards" for farmers.

5. Generally speaking, a stable job is a necessary condition for successfully applying for a credit card.

6. Foreign and overseas personnel and active-duty military officers who receive the card in their own name should provide a temporary household registration issued by the local public security department or a certificate issued by the relevant department, and must provide a guarantee unit that meets the guarantee conditions or have a local household registration. , a guarantor working locally.

3. Process:

1. Apply for an appointment online;

2. Three to five working days after the appointment, staff will contact you to collect information. ;

3. It takes about 7 to 10 working days for the bank system to review personal information and call back;

4. If the review is passed, it will be sent out in about 10 working days. Get a credit card;

The difference between visa and UnionPay, how to apply for a visa card

Nowadays, credit cards are more and more widely used, especially among young people. Basically, people have one or more credit cards. Many people will find that we use VISA credit cards and UnionPay credit cards. This makes many people wonder why they are divided into Visa and UnionPay. What is the difference between visa and UnionPay?

1. The credit card brand VISA was issued in 1976, and China UnionPay was established in 2002 with the approval of the People's Bank of China.

2. Different cards have different ones. The number of bank cards starting with different numbers indicates that the bank cards belong to different organizations. For example, VISA cards start with the number "4", while China UnionPay bank cards start with the numbers "62", "60" and "9".

3. The scope of use is different. Cardholders in most countries can use credit cards with visa labels, while UnionPay cards are mainly used in China. In other words, as long as UnionPay cards are used for domestic consumption, visa cards are more suitable for overseas consumption.

Can VISA cards be used in China

Visa credit card is a credit card jointly issued by the issuing bank and the Visa International Organization ***. Visa credit cards can be used in most countries in the world. People who hold visa credit cards can use visa credit cards for domestic consumption, but there are some restrictions and require merchants to issue visa payments, which can be used for domestic credit cards.

In China, it is generally recommended to use UnionPay credit cards for consumer credit cards. If you want to use a visa credit card, please note the following:

1. When using a VISA credit card for consumption, the merchant needs to activate VISA payment, that is, the cardholder needs to use a POS machine to swipe the card, and the card swipe machine can swipe the card through the VISA channel .

2. When using the visa credit card, the merchant receives RMB.

3. After receiving the RMB payment request, Visa will convert the RMB into US dollars through Visa's internal exchange rate, and then send the bill to the issuing bank.

4. After receiving the U.S. dollars, the bank again converts the U.S. dollars into RMB through the bank's internal exchange rate.

5. Note that there is a time interval between the two bills, usually on the day of the transaction.

How to apply for a VISA credit card

Take Bank of China as an example. The method of applying for a VISA credit card is as follows:

1. Go to the homepage of the official website of Bank of China and click "Bank Card" " option, select "Credit Card Product", as shown in the picture below;

2. After selection, the following interface will appear, select the credit card with the word "VISA", as shown in the picture below;

3. After clicking, it will jump to the credit card application interface. Click "Apply Now", as shown in the figure below;

4. After clicking, it will jump to the identity verification interface. According to The page prompts to enter relevant personal information. After completing the input, click "Next", as shown in the figure below.

5. After clicking, the following interface will pop up. After entering the verification code, click "Submit Application", as shown in the following figure.

This is the end of the introduction on how to apply for a visa with a credit card and how to apply for a visa with a credit card. Have you found the information you need?