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Is there a credit card in Hanzhong?
Hanzhong CITIC Bank and China Merchants Bank, the bank estimates that companies of credit cards, agricultural banks, China Construction Bank and other banks can also apply for credit cards, and they can choose the nearest bank to do so.

Product guide

1, application

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed.

Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.

A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

Step 2 review

After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.

Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand.

Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.

Step 3 issue cards

After the applicant successfully applies for a credit card, the issuing bank will open a separate credit card account for the cardholder at the issuing bank for shopping, consumption and settlement after cash withdrawal.

Step 4 open the card

Because the credit card application is approved by post, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened. Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements.

At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card.

After accepting a credit card, a credit card merchant or bank shall review the validity of the credit card and the identity of the cardholder.

Extended data

Repayment process

Issuing bank also

1. Log in to the ATM repayment homepage of the opening bank and click on the credit card repayment;

2. Fill in the credit card repayment information: select the credit card issuer according to the prompt, enter the credit card number, cardholder's name, monthly repayment date, repayment amount and contact information and confirm;

4. Transfer out the debit card to complete the payment through online banking: according to the prompt, complete the payment through online banking with the debit card of another bank;

5. Query the transaction after repayment and print the receipt.

Network repayment

Credit card online repayment is one of the main repayment methods of bank credit card repayment, and online repayment has become a common repayment method for credit card users.

1. Payee account name: fill in the name of the credit card holder.

2. Payee's bank: fill in "Bank Credit Card Center".

3. Transfer to payee's account: fill in 16-digit credit card number.

4. Remarks: Fill in "Credit Card Repayment".

5. Withdrawal password: fill in the one-card withdrawal password.

6. After confirmation, the system will prompt whether the transfer was successful and the transfer amount.

7. Accepted currency for repayment of the "payment plan" function: RMB.

8. Cardholders can use the "payment plan" function to set the payment date in advance, and online banking will transfer the money from one card to the cardholder's credit card or someone else's credit card designated by the cardholder once or regularly every month according to the cardholder's requirements.

9. Currency accepted for repayment by the "credit card payment" function: USD and RMB.

10. If the cardholder has opened personal banking professional version 4.5 or above on the one-card network and handled the self-service transfer business between the one-card and the credit card, he can use the "credit card payment" function to transfer the repayment from his one-card account to his credit card.

1 1, personal online banking popular version:

If the cardholder has opened a one-card account bank and handled the "self-service transfer agreement" between the one-card account and the credit card, he can log on to the website of China Merchants Bank and use the popular version of personal online banking to transfer the repayment to the cardholder's credit card. Transfer to restore the cardholder's credit card available amount in real time.

Matters needing attention

There are more and more emerging repayment methods, but the mainstream ones are online transfer repayment provided by banks, card-to-card repayment of third-party POS machines, and telephone banking repayment. If you have a fixed repayment method and repayment cycle, the monthly credit card repayment will become "easy" and will never take up too much time, let alone go to the bank to queue up.

In addition, I would like to remind you that when choosing a credit card, you should ask clearly what repayment methods the bank supports and try to handle credit cards with more diversified repayment methods. Don't be fooled by petty profits such as "credit card shopping discount" After all, the convenience of credit card is the most important thing.

Baidu encyclopedia-credit card repayment

Baidu encyclopedia-credit card