What should I do if I fill in the wrong bank card in UnionPay Credit Card Manager?

If the bank fills in the wrong card when you apply for a bank card, resulting in a different cardholder, then you can get Take your ID card to the bank where you opened your account to make changes. As long as you can prove that you made a mistake, that's fine. If it doesn't work, just apply for a new card. Just destroy that card. Don't worry, it won't be credited if it doesn't match the account name. This will usually be returned the next day, but may be delayed during holidays. There will be a fine if the account is left hanging for a long time. No need to rush.

If the loan bank makes a mistake, under normal circumstances, financial institutions require the borrower to provide a valid bank card to bind a personal loan account, and formal platforms will verify the borrower’s name, ID card, and mobile phone number. Whether the number and bank card are consistent, if they do not match, the platform will remind the borrower as soon as possible, so the wrong bank card cannot be bound successfully. If after the loan is successful, it is found that the bank card is filled in incorrectly, the borrower only needs to log in to the personal account center in time to correct the bank card information. If the bank card that the borrower fills in when borrowing is a canceled, abnormal, or frozen bank card, it is generally impossible to withdraw cash to the account. Therefore, when filling in the bank card information, the borrower should pay attention to filling in a valid and commonly used bank.

What to do if the credit card information does not match

Take China CITIC Bank as an example. If the information displayed when a customer activates a CITIC Bank credit card does not match, it is likely because the information entered by the customer does not match the information displayed on the information submitted when applying for the credit card.

Customers are advised to check the information and confirm it is correct before submitting.

In particular, everyone needs to note that the phone number filled in must be the mobile phone number reserved when applying for the card, and this number may not necessarily be the number that the customer usually uses. Also, if the customer's basic information changes, you must also explain it to CITIC Bank and update the information in a timely manner.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay;

A quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.

Application

In most cases, citizens with full capacity for civil conduct (citizens over 18 years old in mainland China) and with certain direct financial resources can apply to the card-issuing bank. Apply for a credit card. Sometimes, legal persons can also be applicants.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country.

Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

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, economic status or source of income, guarantor and his/her basic information, 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 credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.

Cancellation

Before canceling a credit card, the account balance must be cleared. The entire process of canceling the card must be completed within 45 days after the application is submitted.

What should I do if I fill in the wrong ID number when applying for a credit card online?

If you fill in the wrong ID number when applying online, you will not be able to open an account for that application. You can submit the application again at any time and correctly fill in your ID number and other important information. The bank will open an account for you after your identity verification is passed.

Applicants for credit cards can be divided into units and individuals.

Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed.

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, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

The application form is accompanied by a credit card use contract. The applicant authorizes the card issuer or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card issuer's privacy protection policy, etc., and must have an application. A person's autograph.

After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. The creditworthiness of the applying unit must be evaluated, and the relevant circumstances of the guarantor must also be reviewed for individuals.

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.

The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand. The standards of each card-issuing bank are also different. Therefore, the same materials may be issued with different credit limits and different types of credit cards in different banks. Some banks may even approve the application, while others may reject it. .

Since the card is sent by mail after the credit card application is approved, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from fraud losses, the credit card has set up a card opening procedure before it is officially launched. Card opening is mainly done by phone or online. The relevant personal information provided during the application is checked. Once the information is met, the card opening process is completed.

At this point the applicant becomes the card holder and can officially start using it after signing on the back of the card. After opening a credit card, you generally need to set up a password for the card. After a credit card merchant or bank accepts a credit card, it must review the validity of the credit card and the identity of the cardholder.

This is the end of the introduction on what to do if you fill in the wrong credit card information and what to do if you fill in the wrong phone number when applying for a credit card. I wonder if you found the information you need?