How to handle a personal credit card easily in five steps
Credit cards are divided into corporate cards and personal cards according to the different issuers, among which personal credit cards are the types of cards that are applied for in the name of individuals and bear all the responsibilities for using the cards. Many users who have not applied for a credit card may not know much about how to apply for a personal credit card. Let's talk about it in detail.
The credit card processing process is generally divided into five steps:
1. Apply. The application method of personal credit card is generally to fill in the credit card application form and submit certain relevant materials to the bank as required. Relevant information is mainly the guarantee of a fixed occupation and a stable income source (the forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee). For example, if you are an employee working in a public institution, you need to prepare the income certificate and personal assets certificate issued by the leader to show your repayment ability;
2. Review. Review is the most important link in the process of personal credit card processing. After receiving the forms and materials submitted by the applicant, the issuing bank will conduct various inspections to judge whether to issue cards. The main factors considered are the applicant's past credit record, the applicant's known assets, professional characteristics and so on. The more detailed these materials are, the stronger your repayment ability is, and the more willing banks are to handle personal credit cards for you.
3. Open the card. Mainly check the applicant's procedures by telephone or internet;
4. authorization. The merchant and the bank confirm the validity of the credit card and further confirm the amount that the cardholder can use;
5. Use. After the personal credit card is authorized, you can use it for consumption.
after reading these, do you feel that the question about how to handle personal credit cards has been solved? I suggest that you open a card, or friends who are willing to open a card, try to provide more comprehensive and detailed information when you do it, and you can sort out and polish the information a little. In this way, the bank may increase your credit card limit to better meet your consumption needs. Click on the credit card application channel to quickly open a personal credit card.
How to handle a credit card
There are several ways to handle a credit card. First, you can apply directly at the bank counter. At this time, you need to provide proof of identity and financial resources to let the bank know that it has the ability to repay. Secondly, you can apply online. Now every bank can apply for a credit card online, and the process is particularly simple. The last one is to handle it through a bank salesman, but you must protect your personal information when handling it. No matter what way you apply for a credit card, you must have good credit information.
The specific steps for an individual to apply for a credit card are as follows: If you want to decide which bank to run first, you can visit the major banks in official website for detailed information.
application, after deciding which bank to apply for a credit card, you can find time to apply directly at the business outlets. Some banks can also apply on official website, and many banks will set up some offices outside, so just pay more attention.
fill in the form and fill in the relevant information according to the staff's instructions.
review: fill in the information and submit it to the bank for review.
card issuance, after approval, the card will usually be sent by registered mail. You can log in to the relevant bank in official website to inquire about the progress of card processing, or you can consult by telephone.
when the card is opened, there will be a related instruction manual when you receive it. Read it carefully, remember the checkout date and repayment date, and set the relevant password according to the prompts. After the credit card is opened, it can be used. The limit is determined by the bank according to the submitted information, social security, bank records, etc. If it is not enough, you can apply to the bank to adjust the temporary limit or fixed limit.
how to apply for a personal credit card
the first way to apply for a credit card is to apply directly at the bank counter. If you apply in the bank, you must fill in the information directly. There are bank staff on site who can guide me to fill in the relevant information, which can avoid the problem that we are rejected because of the wrong information. At the same time, we can issue more qualification certificates and wealth certificates, which is conducive to improving our final credit card quota. However, it will be relatively slow to review the credit card at the bank counter, because you have to report the information from the branch to the credit card center, and then the card center will review your information. Another way is to apply for a card online: nowadays, we can apply for a credit card in official website, but this way of applying for a credit card online is that we have to fill in the information ourselves, which is more likely to lead to the problem of wrong information filling, and thus it will be rejected. But online processing is mainly convenient without going out, as long as a mobile phone or a computer can apply for it. There is also a way to handle credit cards: through the bank's credit card salesman to handle credit cards. We can often see these bankers setting up stalls to sell credit cards in shopping malls or other shops. This way of handling cards is to receive prizes, but because they are all business personnel, the main purpose is to obtain performance, so we still have to weigh carefully some things that guarantee a high amount and ensure the issuance of cards, and we should not trust them too much. The process of handling a credit card 1. Prepare the application materials. 2. After the materials are ready, you can apply to the bank or make an appointment online. 3. Then wait for the bank's approval. During the approval process, the bank will call the applicant to verify the information. 4. After the approval, the bank will mail the card to the applicant, and get the card about 3 weeks after successfully submitting the information. "Legal basis: As a civil act, credit card business has been stipulated in principle by the General Principles of Civil Law, Contract Law, Criminal Law, People's Bank of China Law and Commercial Bank Law. In Chapter 5 of the Law of China People's Bank, the People's Bank of China examines and approves the establishment, alteration, termination and business scope of financial institutions according to regulations. Article 3 of "Commercial Bank Law" has 13 items in the business scope, and the credit education business belongs to other businesses approved by the People's Bank of China in Item 13. Violation of laws and regulations is invalid, and it is subject to corresponding criminal responsibility.
What should I do if I want to apply for a credit card?
The credit card processing method is as follows:
1. Prepare materials. When you go to the bank to apply for a credit card, you must first prepare the corresponding processing materials, which generally include the original ID card, work certificate, income certificate, etc.
2. Go to the bank to get the number. After you have prepared the information, you need to choose a favorite bank outlet and go to the bank self-service number machine to get the number during working hours, ready to handle the 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 tips of the staff and the template provided by the bank. The required information is accurate and cannot be erased.
4. submit information. Fill in the corresponding information and wait until the bank counter calls. After you get the number, go to the counter and submit the information needed to apply for the card, waiting for the bank to review it.
5. Anti-audit. After receiving your review information, the counter staff will review the information according to the corresponding regulations of the bank to see if it meets the conditions for handling credit cards. If there is, it will pass the audit. If you can't do it, it will tell you why you can't.
6. Card issuing is activated. If the bank has already issued a card, the bank counter staff will send it to you in time and help you activate it. Since then, your credit card has been successfully processed.
Extended information:
1. Advantages and disadvantages of applying for a credit card:
(a) Benefits of a credit card:
1. You can enjoy an interest-free period of 2-56 days without deposit.
2. When shopping, you will get points as a gift.
3. Special merchants who hold cards in banks can enjoy preferential treatment.
4. accumulate personal credit, and credit records can be added to credit files.
5. You can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo.
6. Some credit cards accept existing points.
7. Mail the statement free of charge every month.
8. supplementary card function, which can manage money together and master children's financial expenditure.
9. In the form of one card and two currencies, domestic RMB can be used for repayment when spending abroad.
the p>1-hour and 24-hour service hotline will take effect immediately if the loss is reported.
11. Cooperate with third-party platforms to provide preferential services for cardholders.
(2) Disadvantages of credit cards:
1. Credit cards can easily lead to excessive consumption.
2. The annual interest rate of credit card is higher.
3. Credit card debt will bring mental stress.
4. If the credit is bad, the cost of borrowing money will be higher, or even you can't borrow money.
how to handle a personal credit card
To apply for a credit card, you need to submit an application form and some personal data (proof of identity and financial resources, etc.). If you have a copy of the real estate license or driver's license and a copy of the bank deposit slip/passbook, it may help to increase your credit limit.
among them, the materials that must be provided are: copy of ID card, income certificate/work certificate. Some banks may also require that professional title certificates, real estate licenses and other materials must be provided. If the company can apply for a card in a group, the conditions may be relaxed. Generally, in addition to a copy of the ID card, only a copy of the work permit/card is required.
the application form can be obtained from the business outlets of various banks, or downloaded from the bank's credit card website, or can be obtained by calling their customer service phone. Fill out the application form and send it to the credit card center together with the identification certificate, work certificate and other materials. Generally, after 7 to 1 working days, you can check the application progress on the website or by phone. Remind you to consider whether there are outlets around when you apply for a credit card.
1. Bank repayment method
1. Matching principal and interest repayment, that is, adding the interest generated by the borrower during the loan period and the total amount of the loan principal, and then distributing it equally to each month, and repaying the same amount of funds every month.
2. Matching principal repayment: the borrower repays the matching principal every month, and the loan interest is calculated according to the remaining principal, and the interest is reduced step by step.
3. One-time repayment, in the specified repayment time, the principal and interest of the loan will be paid off in one lump sum.
4. prepayment, i.e. applying for repayment of the remaining debt or full debt before the loan term expires.
Second, pay attention to the mortgage repayment
1. Pay attention to the change of monthly payment. Friends who bought a house by loan should not think about depositing a fixed amount of repayment on time every month. This idea is incorrect, because it is necessary to pay attention to whether there is any change in the benchmark interest rate of the bank. Once the benchmark interest rate of the bank changes, the monthly payment will also change. Therefore, sometimes the monthly payment may increase in a certain month. If you don't make the payment in advance, you will be judged as overdue, which will have a great impact on your credit.
2. Pay attention to bank card transfer. At present, there are new regulations and changes in this way of bank card transfer, so it is necessary to pay attention to repayment in this way. Some friends will deposit the house money into the repayment account by bank transfer before the transfer date, but buyers should pay attention to it. If the amount is too large, it will not be able to arrive in real time. Therefore, when you transfer money to the mortgage bank card, if the amount is too large, it is best to transfer it several times to ensure that it can be received in real time to avoid overdue repayment.
3. Be careful to cut off the loan. After handling the mortgage, it is very important for the buyers to repay the loan on time. Now the time to repay the loan is very long, ranging from twenty years to thirty years. Many people may have some economic problems during this period. But no matter what problems you have, you can't choose to cut off the supply without money, because the bank will have very serious punishment rules.
how to apply for a credit card and what do you need?
credit card processing methods are as follows:
1. Prepare materials. When you go to the bank to apply for a credit card, you must first prepare the corresponding processing materials, which generally include the original ID card, work certificate, income certificate, etc.
2. Go to the bank to get the number. After you have prepared the information, you need to choose a favorite bank outlet and go to the bank self-service number machine to get the number during working hours, ready to handle the 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 tips of the staff and the template provided by the bank. The required information is accurate and cannot be erased.
4. submit information. Fill in the corresponding information and wait until the bank counter calls. After you get the number, go to the counter and submit the information needed to apply for the card, waiting for the bank to review it.
5. Anti-audit. After receiving your review information, the counter staff will review the information according to the corresponding regulations of the bank to see if it meets the conditions for handling credit cards. If there is, it will pass the audit. If you can't do it, it will tell you why you can't.
6. Card issuing is activated. If the bank has already issued a card, the bank counter staff will send it to you in time and help you activate it. Since then, your credit card has been successfully processed.
Extended information:
1. Advantages and disadvantages of applying for a credit card:
(a) Benefits of a credit card:
1. You can enjoy an interest-free period of 2-56 days without deposit.
2. When shopping, you will get points as a gift.
3. Special merchants who hold cards in banks can enjoy preferential treatment.
4. accumulate personal credit, and credit records can be added to credit files.
5. You can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo.
6. Some credit cards accept existing points.
7. Mail the statement free of charge every month.
8. supplementary card function, which can manage money together and master children's financial expenditure.
9. In the form of one card and two currencies, domestic RMB can be used for repayment when spending abroad.
the p>1-hour and 24-hour service hotline will take effect immediately if the loss is reported.
11. Cooperate with third-party platforms to provide preferential services for cardholders.
(2) Disadvantages of credit cards:
1. Credit cards can easily lead to excessive consumption.
2. The annual interest rate of credit card is higher.
3. Credit card debt will bring mental stress.
4. If the credit is bad, the cost of borrowing money will be higher, or even you can't borrow money.
This concludes the introduction of how to apply for a personal credit card and how to apply for a personal credit card. Have you found the information you need?