Can a salesperson come directly to the door for credit card processing?
You can have a salesperson come to your door to apply for a credit card.
The process for applying for a credit card is as follows:
1. The applicant needs to fill in a credit card application form. This form needs to fill in the age, name, income status, position and other specific information. In addition, the applicant's original ID card is also required during the application process. Some banks require a photo of the applicant and the staff. Provide financial certificate provided by the applicant's company, stamped with the company's financial seal. After filling in all the information, you will enter the credit card review stage.
2. The following period is the review stage by bank staff. They must conduct a return visit to the applicant’s own phone number, home phone number, company phone number, and friend’s phone number to confirm the authenticity of the information. .
3. Notification of credit card withdrawal. Applicants can check the progress of their credit card application on the official website of the bank where they applied for the card after making a phone call to confirm.
4. Receive the card for activation, and set key information such as query password, login password, transaction password, etc. Once everything is ready, you can start using your credit card.
Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).
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Those who apply for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.
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, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. 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 credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.
Is it true that China Merchants Bank comes to apply for a credit card? Do these things to avoid being deceived
For many cardholders, door-to-door card application is undoubtedly the best. It can save the time of going to the bank for an interview, and you can activate it directly after placing the card. There are not many banks that provide door-to-door card processing, and China Merchants Bank is one. Some friends don’t trust door-to-door card processing, so they can use some techniques to distinguish authenticity from fake ones.
Is it true that China Merchants Bank comes to apply for a credit card?
Under normal circumstances, when China Merchants Bank comes to apply for a credit card, you need to fill in the information on the official website and make an appointment. Generally, a card application officer will contact the applicant within 2 to 3 working days after the appointment. Make an appointment The time for door-to-door card application is good, and the door-to-door service will be at the workplace where the application is filled in, rather than at the residential address.
If there is no appointment, a card application officer will come to your door. Although it is not necessarily fake, after all, you have not made an appointment, but it may be an appointment made by other colleagues, and you can also apply for it by the way. Don’t do it before applying for the card. Forgot to verify the card handler’s true identity.
For example, you can ask the card application clerk to show your work badge and check the information on the badge to see if the photo above is of you, or you can call the China Merchants Bank credit card service hotline and provide the card application employee number for customer service to verify. Please enter your identity. If the identity is confirmed, you can apply for the card.
Be careful when applying for a card. Only sign and stamp the content you fill in. Do not let the card handler take photos with the ID card alone, because the cardholder is usually asked to take photos with the ID card. .
There is also a copy of the ID card provided. It is best to mark it with "This ID card is only suitable for credit cards and cannot be used for other purposes."
In short, regardless of whether China Merchants Bank’s door-to-door credit card application is true or false, we must verify the card applicant’s ID card before applying. This is also the best protection measure for our personal information.
After applying for a credit card online, the salesperson has to come to your door. What is the purpose of the visit?
After applying for a credit card online, if you pass the initial review, the bank where you applied for the credit card may notify you to go to the corresponding branch to apply for the credit card, or the credit card bank may send relevant salesmen to come to handle the credit card. handle. When these salesmen come to your door to apply for a credit card, on the one hand they are confirming that the person applying for the credit card is you, and on the other hand they are collecting your relevant information to confirm whether you are qualified to apply for a credit card. This makes the credit card processing process easier and more secure.
Not everyone can apply for a credit card. Credit card is a kind of bank card for credit consumption. People who apply for a credit card only need to pay a certain handling fee every year to use the credit card for advanced consumption. After swiping a credit card, you only need to ensure that you repay the monthly credit card bill on time before you can continue to use the credit card. This is a tool for credit consumption. Therefore, in order to ensure that the credit card holder has the normal ability to repay the credit card, after applying for a credit card, the salesperson will come to the person who applied for the credit card to apply for the credit card to determine whether the customer has enough ability to use the credit card. ability to eliminate more risks.
However, everyone has mixed opinions about the salesperson who comes to apply for credit cards. Because some salesmen are likely to resell the user's personal data and information to other information machines after applying for a credit card to make profits. This is a leak of customers' personal privacy information and may have a very negative impact on customers. It is precisely because of the existence of such salesmen that when applying for credit cards, many people do not want the salesperson to come to their door to handle the credit card processing. Instead, they prefer to go to the corresponding branch to handle the credit card themselves.
But no matter what, the behavior of salesmen coming to apply for credit cards greatly facilitates the process of applying for credit cards, but it also increases the risk of information leakage to a certain extent. This phenomenon should still be based on personal considerations. Make a decision based on your perspective.
Can I apply for a credit card at my doorstep?
Some are trustworthy and some are not.
It is relatively safe if regular staff of the bank conduct door-to-door processing
Nowadays, major banks
especially some commercial banks in order to promote For your own credit card business, you will assign salespersons to handle credit card business at your doorstep. For this card application method, please verify the identity of the bank clerk to ensure that the other party is a regular employee of the bank. Do not trust third-party agents and unidentified personnel to protect your personal and property safety.
If you apply through formal channels such as banks and specify that you want to go to your door, it is safe.
If you have any questions, you can call the credit card customer service to verify the details:
1. Please log in to the credit card website, select "Apply for Credit Card" - "New Customer Application", and fill in the form online Make an appointment and wait for the bank's review. If approved, a specialist will come to your door to process it. If you want to apply in this way, please first confirm whether our bank can provide free appointment for door-to-door processing in your area (the results will be displayed after selecting the province/city/district).
2. Please bring your original identity certificate, work certificate and financial certificate documents and go to any branch of China Merchants Bank to apply in person.
To apply for a bank card, you generally have to go to a bank branch or the bank’s official website. Applying for a credit card is not a simple matter. It is usually handled by multiple people and departments at the bank. During the process, the bank will evaluate the applicant's score. The score mainly includes: personal credit, workplace, age, and whether you are married. , property status, these materials also need to be reviewed. Except for real bank employees, it is difficult for the door-to-door personnel to do so. They may just be to collect information.
The work address must be filled out truthfully on the form filled out when applying for a credit card. If the company does not have a telephone number, fill in "0", which means the company does not have a fixed telephone number, and the bank will need to verify it; for credit cards applied online, After the production is completed, it will be mailed to the address reserved by the applicant. The applicant needs to take the credit card to the branch of the bank to handle the activation business.
It is free to apply for a credit card, but it does not mean that the more credit cards the better. The limit of multiple credit cards in one bank is exclusive. It is recommended that you only apply for one credit card per bank under your name. **Apply to no more than four banks. Applying for too many credit cards will affect your personal credit score, and it is difficult to manage and can easily lead to overdue credit card applications.
Can door-to-door service be provided when applying for a credit card for the first time?
Many cardholders are lazy and are afraid of trouble when applying for a credit card for the first time, so they want to find a salesperson to come to apply for the card. In order to increase the number of card issuances, many banks, in addition to their own application channels, also provide door-to-door card processing services. So, what should a salesperson do when he comes to apply for a card? What matters need to be paid attention to? Let’s find out together below.
How to apply for a credit card at home
There are many banks that can provide door-to-door credit card application services, such as China Merchants Bank, Bank of Communications, etc. Here I will tell you about Bank of Communications The card application process:
1. To apply for a China Merchants Bank credit card for the first time, you can log in to the China Merchants Bank credit card website, select "Credit Card Application" - "New Customer Application Channel", and go through "Easy Appointment, Door-to-door Processing" "The online banking application appointment platform is used for processing.
2. Fill in the simple reservation information online and wait for the bank's review. If the review is passed, China Merchants Bank will conduct a preliminary review first.
3. If you pass the preliminary review, there are two follow-up card application procedures. One is if you pass the preliminary review, a card application person will contact you to pick up the card; the other is that you will receive a text message notification from China Merchants Bank. You go to the branch to sign and confirm the application.
Note: To apply for a merchant credit card, you must be over 18 years old and have stable repayment ability. The salesperson's door-to-door card needs to submit ID card, work certificate or income certificate and other materials.
If you choose to apply for a credit card at home for the first time, you may not be able to get the card 100%. Each bank has different entry standards, so you may not necessarily need all the above information. It depends on the bank's requirements, work or Proof of income is important.
Reminder:
When you encounter a salesperson coming to apply for a card, you must be careful to avoid encountering scammers. When you come to apply for a card, you must do the following things:
1. Verify the identity of the card handler: When applying for a card, you need to provide a lot of personal information and even a copy of your ID card to the card handler, so the first thing to do is to verify the identity of the card handler. Each card handler will have his or her own work number. Before submitting your personal information, you must first call the customer service number of the card issuing bank to verify the identity information of the card handler. Make sure it is correct before submitting the information to avoid being defrauded by other elements. material.
2. Credit cards and ID cards should be photocopied rather than photographed. Your ID card is a very important piece of personal information. Giving your ID card to a stranger to take pictures is very risky, because you don’t know if he will use your ID card photo to do other illegal things, and you don’t know if he is giving it to you. Will the information be deleted promptly after applying for the card?
Someone came to my door today and asked me to apply for a credit card. Am I being scammed?
Not necessarily. After applying for a credit card online, the bank will send a dedicated salesperson to come to apply for the credit card. Applicants who apply for a credit card at the door do not have to worry about being cheated. If you don’t apply for a credit card online but encounter someone who sells credit cards door-to-door, you need to be careful when applying. This is because some bank salespeople will come to sell products door-to-door in order to improve their performance, while other door-to-door salespeople are not necessarily bank employees and are very likely to be scammers.
Methods/steps for applying for a credit card
1. Prepare information. When preparing to go to the 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 preparing the information, you need to choose a bank outlet you like, go to the bank's self-service number-taking machine during working hours, pick up the number and prepare to handle the business.
3. Fill in the card application information. Generally, after getting 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 must be filled in accurately and cannot be erased.
4. Submit information. After filling in the corresponding information, wait until the bank counter calls your number. When the number you get is called, go to the counter to submit the information required for card application and wait for the bank's review.
5. Counter review. After receiving your verification information, the bank 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 will pass the review. If it cannot be applied for the card, it will be informed that it cannot be applied for the card. reason.
6. Card activation. If the bank has approved the card application, the bank counter staff will issue the card to you in time and help you activate the card. From then on, your credit card application will be successful.
The pros and cons of major bank cards: 1. It is difficult to get credit card approval from state-owned banks, but it is easier to get credit card approval from banks such as China Merchants Bank, CITIC, Guangfa and Ping An.
2. It is best to choose the credit card you want based on your daily consumption habits and consumption scenarios. If you are traveling a lot on business, you can choose Guangfa China Southern Airlines. If you are shopping a lot, you can choose CITIC, Pudong Development Bank, etc.
3. Cards that are relatively easy to apply for include CITIC’s i Platinum, GF True Love Card, Bank of Communications’ Y-ROWER, etc.
4. Some data show that the probability of applying for a credit card at the beginning of the year is relatively high.
5. Pay attention to filling in some bonus items, such as education, marriage, personal annual income, residential status, etc.
Each bank's credit cards have advantages and disadvantages. Which credit card to choose depends on your actual needs.
Finally, I have to note that after applying for a credit card, you must not owe money on the credit card, otherwise it will affect your personal credit and even your daily life.
That’s it for the introduction to door-to-door credit card processing.