Basic process of online credit card application:
1. After entering the application page, select the application area, and the system will list the credit card types that can be applied for in this area. Click Apply Now to enter the information filling page.
2. Be sure to fill in the true and valid application materials when applying, and the bank will make a distinction.
3. After completing the form and submitting it, the system will automatically conduct preliminary examination and then submit it to the local branch for further review.
4. The online application and the actual written application are basically the same. Must be 18 years old or above, with stable work and repayment ability.
Extended data:
Peony Credit Card is a peony credit card issued by Industrial and Commercial Bank of China, which gives cardholders a certain credit limit, within which they can repay first and then enjoy an interest-free repayment period, and the deposit is interest-free. Peony credit cards are divided into RMB credit cards, dual-currency credit cards and multi-currency credit cards according to account currencies.
Renminbi credit cards can be used at domestic and overseas acceptance points with UnionPay logo, settled in Renminbi, and have the functions of credit consumption, transfer settlement and cash deposit and withdrawal.
Dual-currency credit cards can be used at home and abroad, and can be settled in RMB and a designated foreign currency, with the functions of credit consumption, transfer settlement, cash deposit and withdrawal, etc.
Multi-currency credit cards can be used at home and abroad, settled in RMB and various designated foreign currencies, and have the functions of credit consumption, transfer settlement, cash deposit and withdrawal, etc. If there is no foreign currency corresponding to the transaction currency, the primary foreign currency designated by the bank will be used for bookkeeping. Unless otherwise specified below, dual-currency credit cards include multi-currency credit cards.
(2) Peony quasi-credit card
Peony quasi-credit card is issued by Industrial and Commercial Bank of China, which gives the cardholder a certain credit limit, within which the cardholder can repay first and then, and does not enjoy the interest-free repayment period.
Peony quasi-credit card can be used at domestic and overseas acceptance points with UnionPay logo, settled in RMB, and has the functions of credit consumption, transfer settlement and cash deposit and withdrawal.
(3) Peony International Debit Card
Peony International Debit Card is a dual-currency debit card issued by Industrial and Commercial Bank of China, which can be used at home and abroad.
Peony international debit card is settled in RMB or designated foreign currency, and has the functions of consumption, transfer settlement, cash deposit and withdrawal, etc. Overdraft and offline consumption (such as overseas online transactions) are not allowed.
(4) Peony special card
Peony special card is a debit card issued by Industrial and Commercial Bank of China, which is used in specialized industries except department stores, restaurants and entertainment industries. Peony special card can only be used in certain areas of China, and it is settled in RMB, and has the functions of cash deposit and withdrawal, transfer and settlement.
(5) Peony Commemorative Card
Peony Commemorative Card is a prepaid wallet debit card issued by Industrial and Commercial Bank of China. The issuing bank transfers its funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card when trading.
Peony commemorative cards are only used in specific regions, industries or units in China, and are settled in RMB with consumption function.
References:
China Industrial and Commercial Bank: Credit card.