Yes, you can. You don't have to make an appointment. If you make an appointment with the staff, please inform them in advance.
The general process of credit card application is to choose a card bank, apply at a bank service point or online bank, wait for bank approval, and obtain and activate a physical credit card. The criteria for applying for a credit card vary from bank to bank. The following are some common application criteria:
1, the applicant meets the requirements of the bank to apply for a credit card;
2. The applicant is between 18 and 65 years old; The applicant should have a stable position and income, and confirm that the applicant will be able to repay the loan in full;
3. The applicant has a standardized reputation and high quality;
4. The applicant is a person with full capacity for civil conduct.
The grade of credit card is divided according to the rating of credit record, the amount of assets and wealth, reputation, fame, contacts and so on. According to the above standards, it can be divided into five categories: Puka, Gold Card, Platinum Card, Diamond Card and Black Card (not limited to cards).
First of all, Puka
Generally, the amount of a general card ranges from 3000 yuan to 65438+2000 yuan, and there are also student cards ranging from 1000 yuan to 2000 yuan. Generally, the privileges that Puka users can enjoy are only discounts for designated merchants, doubling birthday points and so on. The advantage of Puka is that the annual fee is relatively low, and it can be reduced or exempted if certain conditions are met. Puka's application conditions are relatively relaxed. As long as you are over 18 years old, have a stable job and income, and have a good personal credit record, you can apply for a general card.
Second, the gold card
The amount of a gold card is generally between 8000-65438+ 10,000 yuan. With a gold card, you can enjoy services such as card replacement, quick loss reporting, transfer and remittance, free handling fees for deposits and withdrawals in different places, and aviation accident insurance with a quota of up to 4 million. The annual fee for gold cards ranges from 200 yuan to 800 yuan. The application conditions for gold cards are stricter than those for ordinary cards. In addition to a good credit record, there are certain requirements for job stability and income.
Three. Platinum card and diamond card
Platinum cards and diamond cards are roughly the same. Applying for platinum card and diamond card requires hundreds of thousands of fixed assets in addition to good credit information and high-paying jobs. In addition, real estate, automobile output and daily consumption documents are also reference conditions. The amount of a platinum card is generally between 6.5438+million and 6.5438+million. Platinum card is the highest level card that the general public can access, and it is also the main card type promoted by banks.
Platinum card can not only enjoy all the benefits of gold card, but also enjoy VIP-level benefits such as cash back, airport VIP room service, five-star hotel occupancy qualification, free medical examination and driving service. The advantage of the diamond card is that you can get a gold card member of a high-end brand or luxury store for free.
Fourth, black cards.
Black cards are credit cards owned by very few people. It is a symbol of contacts, power, wealth, reputation and prestige, and it is the royal family in credit cards. Black cards cannot be obtained through application, and are usually specially invited by banks. The credit line is generally between 1 10,000-1 10,000, and some banks have no credit line for black cards. Black card is the highest-end card that banks are proud of. With a black card, you can enjoy the highest-end and best service wherever you go.
How to make an appointment to apply for a credit card
How to reserve a credit card, how to reserve a credit card, and can I reserve a credit card online? Sort out the application conditions, submission materials and application methods of bank credit cards for everyone.
Credit card application conditions:
1, over 18 years old
2. Have a stable income
Credit card application information:
1. Fill in a detailed and complete application form.
2. Identification document (copy)
3. proof of residence: a copy of the real estate license, a copy of the rental contract, a copy of the driver's license and a copy of the household registration book are all acceptable.
3. Income certificate: the certificate issued by the work unit must be stamped with the financial seal, official seal or personnel seal of the unit.
Online booking:
Log in to the bank credit card center, select "Credit Card Application"-"New Customer Application" and submit the reservation materials.
Wechat reservation:
Pay attention to the official WeChat account of the bank, select new users to handle it, and submit reservation information for bank review.
After filling in the basic reservation information, you can wait for the bank's review within working days. After passing the examination, there will be a salesman to handle it, and soon there will be a Commissioner to serve you.
What is a credit card reservation application?
That is, just leave your identity information and contact information in the bank, and the bank card teller will come to the door to apply for follow-up.
According to Article 7 of the Credit Card Charter of China Merchants Bank (Ninth Edition):
China residents who have reached the age of 18 and have full capacity for civil conduct and good credit standing, foreigners with full capacity for civil conduct and compatriots from Hong Kong, Macao and Taiwan with full capacity for civil conduct can apply for personal credit card master cards with their valid identity documents.
Personal cardholders can also apply for supplementary cards for specific natural persons with full civil capacity or natural persons with limited civil capacity. Supplementary card application materials must be confirmed by the main card holder by personal signature, customer service telephone recording, electronic signature or the way recognized by both the cardholder and the card issuer. The main cardholder can apply for cancellation of the supplementary card at any time.
Extended data:
According to Article 11 of the Credit Card Charter of China Merchants Bank (Ninth Edition):
After receiving the credit card, the cardholder shall immediately sign the same signature as the application form in the signature column on the back of the credit card, and use the same signature when using the credit card transaction, otherwise the losses arising therefrom shall be borne by the cardholder, unless otherwise agreed between the cardholder and the card issuing institution or stipulated by the accepting institution or bank card organization.
Some specially designed cards don't need to be signed on the back of the credit card, but they can be used normally after a password is set. The cardholder can set the password through the channel designated by the card issuer.