First, the application method

1, application conditions

Credit card In most cases, citizens with full capacity for civil conduct (Chinese mainland 18-year-old citizens) who have a certain direct income source can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

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.

2. Application method

Fill in the credit card application form, which generally includes the applicant's name, basic information, economic status or income source, guarantor and its basic information.

Submit copies of certain certificates and relevant credit certificates to the issuing bank.

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.

3. Information required for application

Information of the main cardholder and personal income certificate.

Supplementary card applicant information.

Guarantor information.

Other information.

Statements and signatures of the applicant for the main card and the applicant for the supplementary card.

Bank column.

Step 4 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.

According to the application materials, the bank will review the applicant's various information and economic situation 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. 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 5 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 6 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.