How to apply for and use a credit card?
The most important conditions for applying for a credit card are that you are between 18 and 60 years old (25 to 60 years old for foreigners), have certain financial capabilities and have a good credit record. The result of credit card application shall be subject to actual review by the bank.
Credit cards are issued by banks and other financial institutions to users with good financial status for shopping or consumption at designated merchants. This special card is also a credit voucher. We apply for credit cards There are several main methods:
1. Online application: Please open the official bank credit card website, "Apply for Credit Card" - "New Customer Application", select your favorite card type and follow the prompts.
2. Please bring your original identity certificate, work certificate and financial certificate documents to the bank branch for processing.
3. You can add the bank credit card center through WeChat and click "I want to apply for a card" to apply.
4. Apply through the recommendation of others. For friends who already have a credit card, you can directly recommend other users to apply for a bank credit card. At this time, the person you recommended can apply for a credit card. From the bank's perspective, this is equivalent to a guarantee, but the bank will actually check the cardholder's corresponding qualifications and then finally determine whether to issue the card to you.
How to use credit cards:
1. Credit cards can be swiped at POS machines of offline merchants for consumption, payment can be made in online malls, or they can be bound to third-party formal accounts such as Alipay and WeChat. used for payment on the platform.
2. You can withdraw cash at the bank's ATM machine, but the bank may charge a handling fee.
3. Apply for cash installment from the bank. The amount of cash installment is generally 50% of the credit card limit. After successful application, the bank will transfer the money to your savings card.
Friendly reminder: When using credit cards personally, you must develop good usage habits. Do not make excessive purchases in advance. Use them according to your own financial ability. At the same time, you should repay the money in a timely manner to avoid overdue payments. Condition!
How to activate a credit card applied online? Five activation methods are available
For many cardholders, applying for a credit card online without leaving home is simple and fast. It has become the only choice. But after applying for a card, how to activate the credit card applied online has become a problem. Today I will tell you about the activation method to help you solve this problem.
Online activation
1. First log in to the official website where you apply for a credit card online, select Customer Service--Customer Service Home Page--Credit Card Online Activation.
2. Next, select on the credit card login interface and register as a new user.
3. Follow the prompts to install the online banking wizard until the installation is successful.
4. The next step is to detect the computer usage environment. After the detection is completed. Connect according to the prompts and enter the steps to fill in user information. Enter and set the query password.
5. Give the credit card a user name, click Next, and successfully activate the credit card.
Telephone activation
Telephone activation is the simplest and most convenient way to activate a credit card applied for online. Cardholders can choose to call the bank customer service number on the back of the credit card and follow the voice Just be prompted to enter relevant information.
SMS activation
Send a text message to the bank and follow the text message prompts to activate.
Counter activation
Counter business is the most traditional way of handling credit card business. Cardholders can go to the local branch of the issuing bank to handle the business. Complete the online application for credit card activation under guidance.
WeChat client activation
When it comes to how to activate a credit card applied for online, many cardholders will think of the WeChat client method. Now all major banks have basically developed WeChat credit card management functions. Cardholders can log in to their online banking through WeChat to activate their credit cards.
The above five methods are the answers to how to activate the credit card applied for online. Cardholders can choose the most convenient method to activate the credit card.
How to apply for and use a credit card?
Processing:
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, financial status or source of income, guarantor and Its basic situation, etc. And submit certain copies of documents and certificates to the card issuing bank.
After the customer fills in the application form truthfully, he or she must also submit relevant credit certificates while submitting the completed application form. The application form is accompanied by a contract for the use of the credit card.
The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement on the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.
Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.
After the applicant successfully applies for a credit card, the card-issuing bank will open a separate credit card account for the cardholder at the card-issuing bank for settlement after shopping, consumption and cash withdrawal.
Use:
Credit cards are usually only used by the cardholder himself, and lending them to others is generally a violation of the use contract. Swiping your card on a POS machine is the most common way to use a credit card, and it is a way of swiping your card online.
When swiping a card, the operator should first check the credit card's validity period and the cardholder's last name and other information. Then, select the corresponding POS machine according to the card issuing bank and the currency type to be paid, and swipe the magnetic stripe of the magnetic stripe credit card on the POS machine.
Or insert the chip credit card into the card slot, connect to the bank to pay, and enter the corresponding amount. After the remote payment accepts the information, the POS will print out a receipt (at least two copies) for the card payment.
The cardholder should sign the payment receipt after checking that the information on the payment receipt is correct. After the operator checks the signature on the receipt and the signature on the back of the credit card (including that the name completely matches and the handwriting basically matches), the operator gives the credit card and a copy of the card payment receipt to the cardholder. At this point, the card swiping procedure on the POS machine is completed.
Extended information:
According to the notice on the issuance of the "Credit Card Business Management Measures":
Article 33: All transactions under the People's Republic of China and the State Units that open basic deposit accounts at domestic financial institutions can apply for unit cards. Several unit cards can be applied for, and the cardholder's qualifications shall be designated and canceled in writing by the legal representative of the applying unit or his authorized agent.
Citizens with full capacity for civil conduct can apply for a personal card. The main cardholder of a personal card can apply for supplementary cards for his spouse and relatives over the age of 18. There must be no more than two supplementary cards. The main cardholder has the right to request the cancellation of his supplementary cards.
Article 34 When applying for a credit card, an organization or individual should fill in the application form in accordance with the regulations and submit it together with the relevant information to the card-issuing bank. For those who meet the conditions, the card-issuing bank will open a credit card account for the applicant and issue a credit card.
Article 35 All funds in the unit card account shall be transferred and deposited from the basic deposit account. Cash shall not be deposited, and funds from other deposit accounts and sales revenue shall not be deposited into the unit card account.
The funds in a personal card account are limited to cash deposits held by the individual or transfers from salary payments and other legitimate personal income. It is strictly prohibited to transfer funds from the company into personal card accounts.
Article 36 Credit cards can only be used by the legal cardholder himself, and the cardholder is not allowed to rent or lend the account.
Article 37 After the cardholder has paid off the principal and interest of the overdraft, the cardholder can cancel the account if it falls into one of the following circumstances:
(1) 45 days after the expiration of the credit card validity period, the cardholder shall The person does not replace the card with a new one;
(2) After 45 days of reporting the loss of the credit card, the person does not have an additional card and does not replace the card with a new one;
(3) The credit card is not good and is included in the Stop payment list, the card-issuing bank has withdrawn the credit card for 45 days;
(4) The cardholder dies for some reason, and the card-issuing bank has withdrawn the credit card for 45 days;
(5) ) The cardholder requests to cancel the account or the guarantor revokes the guarantee, and has returned all credit cards for 45 days; (6) The credit card account has not had any transactions for more than two years (inclusive);
(7) The cardholder violates other regulations and the card-issuing bank believes that the cardholder should be disqualified.
Article 38 The card-issuing bank shall take back the credit card when canceling the account. If a valid card cannot be recovered, payment should be stopped.
When canceling the account, the balance of the corporate card account will be transferred to the basic deposit account, and no cash withdrawal is allowed.
Article 39 If a credit card is lost or stolen, the cardholder should immediately apply for a loss report to the nearest card-issuing bank or agency bank with his or her ID card or other valid certificate, and provide relevant information as required. Loss reporting procedures.
Article 40 If the cardholder finds his or her credit card after applying for a loss report, he or she may apply to cancel the loss report and stop payment.