First, the basic conditions of credit card application
Applicants must be China nationals or foreigners with permanent residency in China and compatriots from Hong Kong, Macao and Taiwan, aged 18, with full capacity for civil conduct, legal and stable sources of income and good credit standing.
Second, the credit card application method
There are two kinds of credit card applications: online and offline.
1. If you apply for a credit card online, take Jianshe as an example. The application process is as follows: click the "Online Credit Card Application" link on the homepage of CCB Mobile Banking 5.5.9 to enter the application page (or click the "Application" link for a product to enter the product application page)-select the location, the card type to apply for, the customer type and whether there is an online banking shield-the new user selects a U shield without online banking and reads and signs the application agreement. Submit the application information after confirmation-if approved, a face-to-face SMS will be sent. After receiving the face-to-face signing SMS, customers can go to any outlet of our bank for face-to-face signing with SMS and their ID card as soon as possible.
2. To apply for offline outlets, you must first prepare the application materials required for the application, then go to the bank outlet to get the application form, fill it out and submit it together with the application materials, and then wait for the audit results.
Three. Precautions for using credit cards:
1. Pay attention to two dates: bookkeeping date and repayment date.
Generally, the repayment date is 20 or 25 days after the bill date, with the longest interest-free period and the shortest interest-free period.
2. Credit card information protection.
The three key information on the face of a credit card: card number, expiration date and CVV code, affect your card security, especially CVV code, which is as important as password. It is recommended to cover CVV code with correction fluid or sticker, and some people are even worse. Scrape off the CVV password with a blade and remember these three numbers.
3. Diligently handle credit cards, in order to avoid annual fees; Only when the repayment is made on time can the amount be withdrawn.
Generally, you can avoid the annual fee by swiping your card six times. So be sure to pay the annual fee. In addition, we can increase the credit card limit by swiping more cards and swiping frequently. At the same time, being able to repay on time and maintain a good credit record is also a way to improve the credit limit. Moreover, it is also very convenient to pay without a card for mobile phone POS, which belongs to online consumption. Combined with daily offline consumption, a variety of combinations are used.