Application conditions: 1, at least 18 years old with full capacity; 2. Have a stable repayment ability.
Proof of submission: 1, ID card (required); 2. Work certificate or income certificate; 3. Proof of assets such as real estate and vehicles under the name of the individual; 4. Social security; 5, other bank credit cards and so on. The entry standards of each bank are different, so the above information may not be all, depending on the requirements of the bank. Work or income proof is very important.
First, please ask the credit card salesman or lobby cashier to fill out the application form. The other party will usually ask you to fill out the application form. You need to fill in your basic personal information, as well as your company phone number, home phone number and my mobile phone number. Two contacts (a relative and a friend) and their mobile phone numbers and fixed phone numbers.
Only after filling out the form can there be hope, and then submit the above information to the bank for review. According to the comprehensive score of the information submitted by the applicant, the bank decides whether to approve the card application and the amount of the card application. Reference items include age, gender, unit, income, position, housing, education, marriage, real estate, professional title, credit record and so on. A score segment corresponds to a result, from not approving cards to approving cards, from low amount to high amount. In addition, ICBC will make a star rating according to your assets in ICBC, and decide whether to issue cards according to the star rating. After submitting the form or online application, you can enter your ID number in the bank official website to check the application progress. The result is usually rejection or approval. After the approval, most cards will be mailed to your address, and you can use them after receiving the card activation.
In order to control risks, banks attach great importance to the repayment ability of cardholders. The information you submitted makes the bank feel that you have enough repayment ability. The stronger the repayment ability, the easier it is for banks to issue cards.
I hope I can solve your problem.
Question 2: How to handle overdraft card? Application place: 1, all bank outlets; 2. The staff of the local bank credit supply center.
Application conditions: 1, at least 18 years old; 2. Have a stable repayment ability.
Submit proof: 1, ID card; 2. Work certificate or income certificate; 3. Work phone, home phone and my mobile phone; 4. Tax payment certificate or real estate vehicle under his own name; 5. Other bank credit cards, etc. The above information is not necessary. It is important to see the bank's requirements and proof of work or income.
In order to control risks, banks attach great importance to the repayment ability of cardholders. The information you submitted makes the bank feel that you have enough repayment ability. The stronger the repayment ability, the easier it is for banks to issue cards.
Banks like customers with stable income. In your case, try not to apply for the cards of the four major state-owned banks, because your work and age scores are very low. Traffic and investment promotion can try credit cards. In addition, Bank of Communications has a Y-POWER card, which is specially designed for young people who just graduated. You can try.
Question 3: How to handle the bank overdraft card? What documents do you need? Bank recharge card means that people who often apply for credit cards can download the credit card application form online, or get the application form from a designated local outlet, fill it out and hand it over to the staff of the local outlet, and submit proof of identity and financial resources. The required materials include the original valid identity documents and income certificates (materials for submitting income certificates according to the specific requirements of each branch). In addition, having a real estate license and a vehicle driving license will help increase your quota.
Question 4: What are the requirements for running overdraft card? Overdraft card is a credit card, which is suitable for the following situations:
Application place: 1, local bank outlet; 2. Bank credit card center staff; 3. ICBC and CCB support online banking applications.
Application conditions: 1, at least 18 years old; 2. Have a stable repayment ability.
Submit proof: 1, ID card; 2. Work certificate or income certificate; 3. Proof of assets such as real estate and vehicles under the name of the individual; 4. Social security card; 5, other bank credit cards and so on. The entry standards of each bank are different, so the above information may not be all, depending on the requirements of the bank. Work or income proof is very important.
Need to fill in the application form, work phone, home phone, my mobile phone; Two contacts (a relative and a friend) and their mobile phone numbers and fixed phone numbers. In addition, ICBC will make a star rating according to your assets in ICBC, and decide whether to issue cards according to the star rating.
In order to control risks, banks attach great importance to the repayment ability of cardholders. The information you submitted makes the bank feel that you have enough repayment ability. The stronger the repayment ability, the easier it is for banks to issue cards.
First, please ask the credit card salesman or the teller in the lobby to fill out the application form. The other party will usually ask you to fill out the application form, and then you will have hope, and then submit the above information to the bank for approval. Whether or not to approve the card and the amount of card approval depends on the comprehensive score of the bank (there are special scoring standards, including age, gender, position, education, marriage, property rights, credit history, etc., and the card can only be approved after the score is enough). After submitting the form, you can enter your ID number in the bank official website to check the application progress.
Question 5: How to handle an overdraft credit card? Hello, if you apply for our credit card, the most important condition is that you are 18-60 years old and have a stable job and income. The necessary application documents are copies of your identity certificate and work certificate. If you can provide other financial documents, it will be more helpful to understand your personal situation and judge your credit limit. The specific application materials are as follows: 1. Proof of identity: generally, it is an ID card (if a new ID card is used, a copy of the front and back is required), and soldiers need to provide a copy of their ID cards; 2. Work certificate: it can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and affix the official seal or personnel seal of the company), or a copy of the work permit/card verified and marked by the sponsor; 3. Proof of financial resources: it can be a payroll record issued by a bank, an income tax withholding certificate, or a market value certificate of a house, a car, a deposit or an investment (such as a copy of the real estate license/car driving license/bank time deposit certificate) and other materials that can prove your economic level. Other documents for reference include: personal account list of social insurance in the last 6 months, water, electricity and gas bills, credit card bills of other banks, etc.
There are three ways to apply for the first time: 1, and online application: t/7fdr3; 2. Please bring your original identity certificate, work certificate and financial documents to the branches of China Merchants Bank in person. 3. You can add "China Merchants Bank Credit Card Center" as a friend through WeChat, and click "I want to apply for a card". Tips: The nuclear status and application amount of the credit card are subject to the final audit result.
(You can consult the credit card service information of China Merchants Bank online through QQ or WeChat. Method 1: Search 4008205555 among QQ corporate friends, and add China Merchants Bank Credit Card Center as a friend; Method 2: Search for "cmb4008205555" on WeChat, and pay attention to China Merchants Bank Credit Card Center)
Question 6: How to apply for a credit card and how much can it be overdrawn? What nonsense upstairs!
If you can't provide proof of income, then the social security card is ok, or you can ask your factory to write you a salary certificate. Generally, you can provide a salary certificate. Wow.
The credit limit depends on which bank you handle it. The credit cards handled by the four major banks are generally low, and you won't know how much until the cards are ready. .
The overdraft limit is different from the credit card consumption limit. There is no 5000 yuan to overdraw 5000 yuan. Generally, 30%-50% of the consumption limit can be overdrawn, and 5,000 yuan can be overdrawn at most 2,500 yuan.
Question 7: What should overdraft card do? Because credit cards have the function of overdraft, that is to say, you can shop by credit card without money, so not everyone can apply for credit cards, and banks only issue credit cards to people they think are honest. Compare and see if you meet the requirements for issuing credit cards by banks:
1, aged between 18 and 65;
2. Have a stable occupation and income;
3. Have good credit and the ability to repay the principal and interest on time;
4. Natural persons with full capacity for civil conduct (robots, vegetarians, minors and people with a certain degree of mental illness are not allowed).
If you haven't met the requirements for applying for an ordinary credit card, you can apply for a supplementary card through your parents and spouse. To apply for a supplementary card, you must meet the following conditions:
1, a natural person with complete or limited capacity for civil conduct.
2. At least 13 years old.
3./kloc-Applicants for supplementary cards under the age of 0/6 should provide a copy of the household registration book when applying.
In addition: Not everyone can apply for some cards, and there are some special requirements for cardholders. For example, the magic credit card of CITIC Bank can only be applied by women.
Teach you two tips for successfully applying for a credit card.
In the early years of credit card promotion, in order to seize the limited credit card market, banks ignored the expansion of cost efficiency. Although it has promoted the great development of the whole credit card business, it has also resulted in a variety of credit card holders, and many sleep card and Lao Lai cards have appeared, which has laid a hidden danger for the bank's bad debts. Nowadays, with the strengthening of risk awareness and risk control of banks, the approval of credit cards is becoming more and more strict, especially for those who apply for credit cards or high-limit cards for the first time, many people have received a reply from banks that they refuse to sign, so how can they ensure that their applications can be successfully approved?
First of all, we must fully prepare all kinds of asset certificates. Generally speaking, if you already have one or more credit cards and have a good repayment record, you generally don't need to provide proof of income or assets. You just need to copy your existing credit cards and send them together with the application form (even if the credit card you have is not the one you applied for, because all banks can check your credit status through the personal credit information system of the central bank, and good consumer credit and repayment credit are the most important for banks).
If you apply for a credit card for the first time, because you don't have a consumer credit record, the bank mainly depends on your income and assets, and decides whether to apply for a card for you and the size of the credit line. Generally speaking, the first time you apply for a credit card, the amount will not be too high, unless you can provide sufficient proof of assets, such as income, house ownership certificate, mortgage purchase certificate, car ownership certificate, bank deposit certificate or securities certificate. Of course, in addition to the asset certificate, other certificates that can prove your personal ability will also help you obtain high-level credit cards, such as academic certificates, technical level certificates and other qualification certificates.
Secondly, fill in the application form carefully. Generally speaking, the following aspects on the application form will affect the bank's credit evaluation score (the higher the credit score, the higher the probability of obtaining credit card approval and the higher the amount): 1. Whether there is a fixed telephone in this city (having a fixed telephone in this city means that your residence is stable and will increase the bank's credit evaluation score for you); 2. Whether or not to get married (the score of married is higher than that of unmarried); 3. Whether it is a local account (the score of local account is higher than that of foreign account); 4. Whether there is a house (a house is higher than no house, and living by yourself is higher than living with parents); 5. Education (the higher the education, the higher the score); 6. The nature of the work unit (the more stable the work unit, the higher the popularity and the higher the score. For example, institutions, large state-owned enterprises, and Fortune 500 enterprises all scored relatively high, while unknown private enterprises and foreign enterprises scored relatively low); 7. Job Description (The higher the position, the higher the score. For example, civil servants and company managers score higher than ordinary employees).
Question 8: How to handle ICBC overdraft card ICBC? It has a repayment date and a bill date. You don't care about the date of this month, you just need to pay back the money before the 25th of next month, interest-free. After the 25th, you multiply the overdraft by the daily interest of 5/ 10000. Overdraft 5000 due, daily interest 2.5 yuan, too high. The end of the month is the accounting day, the 25th of the following month. Overdraft 1 on the card in the current month, repay on the 25th of next month, and enjoy a 55-day interest-free period. If you withdraw cash directly from the ATM, the algorithm will be different.
Question 9: How to handle personal bank overdraft card? At present, banks need to have fixed jobs, but some banks have special requirements: 1. China Merchants Bank: At present, as long as you have a fixed job, you can handle it with a copy of your ID card and a work certificate (a copy of the front of the access card or a work certificate when the company started). It's more convenient to go directly to the direct sale office. At present, China Merchants Bank offers many kinds of cards, and you can choose according to your own preferences. 2. China Construction Bank: At present, CCB in some parts of China requires applicants to submit their applications to 4 yuan (especially Shanghai). Just an ID card. Direct selling is also recommended. 3. Bank of Communications: At present, there are three types of Bank of Communications credit cards-youth card, standard card, co-branded card 1). Youth card: graduated in 2003, with a college degree or above recognized by the State Education Commission, with a fixed job (after the probation period), aged between 18-30 years old, and only need an ID card to handle it. You can handle it at the counter or direct sales. Generally, the credit limit of this card is 5000, and the withdrawal amount is consistent with the credit limit, which is more cost-effective for young people. 2) Standard cards: such as Phoenix Carp Card and the recently launched Expo Card. Such a card requires that the applicant must be 18 years old, but not over 65 years old; Have a regular job with an annual salary of at least 24,000 before tax; When applying, you must submit a copy of your ID card, proof of income and proof of residence. If you are in Shenyang, you must also have a real estate license. In addition, it is best to pay for the application now. You can submit materials in direct sales, because at present, the counter no longer accepts personal submissions, unless you use a card (which has other bank credit cards and has been held for more than 6 months) or add a card (which already has a Bank of Communications credit card). 3) Co-branded cards: At present, Bank of Communications has launched N kinds of co-branded cards, such as Suning Card, Wal-Mart Card, Jinjiang Star Card and Aviation Secretary Card. , and also launched their own co-branded cards for different regions. Generally, this kind of card can be handled in direct stores or stores like Suning and Wal-Mart. The information submitted is generally ID card and income or work certificate. 4. Industrial and Commercial Bank of China: There are not many types of credit cards in this bank, which is generally not easy to handle. Because some charges are high, the service is not very good. 5. Bank of China: The card design is OK, and the application materials are similar to those of other banks. 6. Agricultural Bank: I seldom consider the credit card of Agricultural Bank, which is not very nice. 7. Other small banks: 1) Shanghai Pudong Development Bank: There are not many types of cards, but some cards are not bad. The McDougall introduced before is still very nice. 2) CITIC Bank: Some cards are OK, and there are QQ cards. However, some charging items are very expensive and it is difficult to sell cards. 3) Minsheng Bank: There is a true love card specially for women, and the card is transparent. 4) Industrial Bank: At present, there are many types of cards. I recommend a Garfield card. The customer service of Industrial Bank is better. In addition, if you want to apply for a credit card, you must ensure that your credit record must be good. At least, the past arrears record is only a first-class late payment fee. If you have already reached the second-level late payment fee, then there is little hope of handling the card generally. Don't listen to the introduction of those sales or counter staff when you apply for a card. You'd better call the customer service of the credit card center yourself.
Question 10: How to handle overdraft card? What is the procedure? Application place: 1, local bank outlet; 2. Bank credit card center staff; 3. Some banks (industrial and commercial construction, etc. ) Support online banking applications.
Application conditions: 1, at least 18 years old with full capacity; 2. Have a stable repayment ability.
Proof of submission: 1, ID card (required); 2. Work certificate or income certificate; 3. Proof of assets such as real estate and vehicles under the name of the individual; 4. Social security; 5, other bank credit cards and so on. The entry standards of each bank are different, so the above information may not be all, depending on the requirements of the bank. Work or income proof is very important.
First, please ask the credit card salesman or lobby cashier to fill out the application form. The other party will usually ask you to fill out the application form. You need to fill in your basic personal information, as well as your company phone number, home phone number and my mobile phone number. Two contacts (a relative and a friend) and their mobile phone numbers and fixed phone numbers.
Only after filling out the form can there be hope, and then submit the above information to the bank for review. According to the comprehensive score of the information submitted by the applicant, the bank decides whether to approve the card application and the amount of the card application. Reference items include age, gender, unit, income, position, housing, education, marriage, real estate, professional title, credit record and so on. A score segment corresponds to a result, from not approving cards to approving cards, from low amount to high amount. In addition, ICBC will make a star rating according to your assets in ICBC, and decide whether to issue cards according to the star rating. After submitting the form or online application, you can enter your ID number in the bank official website to check the application progress. The result is usually rejection or approval. After the approval, most cards will be mailed to your address, and you can use them after receiving the card activation.
In order to control risks, banks attach great importance to the repayment ability of cardholders. The information you submitted makes the bank feel that you have enough repayment ability. The stronger the repayment ability, the easier it is for banks to issue cards.
I hope I can solve your problem.