Where can I apply for a credit card?

1. Apply for a credit card: You can apply for a credit card at a bank branch or online.

2. If you are over 18 years old: you are not allowed to apply for a credit card. The premise is that you are at work, or can apply for a card in the name of an employee of a certain company or agency.

3. Banks you can consider: the four major state-owned banks (China Industrial and Peasant Construction).

4. Credit card limit: It depends on the effective income and asset security value provided by the individual during the application process. The credit limit of a credit card is positively correlated with the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit obtained.

5. Repayment: If you pay by credit card, after issuing the bill, you can repay it on the last repayment date indicated on the bill. If you withdraw cash directly from an ATM, the sooner the better, because interest will be calculated.

6. Materials required: proof of identity, work certificate, financial certificate, house and car certificate, credit card from another bank (card used for 1 year or more than 6 months).

1. Application at bank outlets

1. Applying for a credit card at a bank outlet is the most original and basic application method. Applicants only need to bring relevant supporting materials to the bank outlet and submit Just apply.

2. Suitable objects: Newbies, those new to the workplace, friends who want to apply for a large-limit card, etc.

3. Suitable banks: the four major state-owned banks (China Industrial and Peasant Construction).

4. Advantages: The safest: In comparison, the method of mailing in through outlets is more secure. This channel has a higher confidentiality factor for customer information, and there is basically no risk of customer information leakage. .

5. Disadvantages: The slowest approval speed: Applicants submit materials to bank outlets, and then the branches and sub-branches send them to the head office. The approval can only be completed after the qualification review of the head office. The shipping process is cumbersome and takes a long time.

6. In addition, branch branches usually accumulate a batch of application materials and send them to the head office at a certain point in time. From submitting the materials to finally getting the card, there are no applicants who have been waiting for a month. few.

2. Online application

1. Applicants can log in to the official website of the bank, or apply online on officially authorized websites such as Rong360. Fill in the relevant information on the website and click submit.

2. Suitable people: People who have been working for many years and are busy with official duties.

3. Suitable banks: Banks with relatively relaxed review procedures (Bank of Communications, Guangfa, Ping An, CITIC, Shanghai Pudong Development, etc.).

4. Advantages: Save time and effort: You don’t have to go to the bank branch to queue up in person, saving valuable time. The choice is strong, and there are a wide variety of cards on the website. You can compare them at will, check the related fees and precautions of the cards, and easily choose the one that suits you best. The approval speed is fast. After the application information is submitted on the website, the information will be immediately sent to the bank's credit card center for review.

5. Disadvantages: Difficulty in approval: The biggest drawback of online submission is that you cannot submit paper materials. The lack of relevant materials may cause some bias in the bank's qualification review. Agency scams: Some irregular websites pretend to be agencies for high-limit credit cards, but in fact they charge a series of non-existent fees or defraud personal information to commit crimes.

The above are the two most common credit card application methods. Applicants can choose the most suitable application method based on their own characteristics. In addition to the above three methods, there is another method where a card application officer comes to apply for a card. This method is mostly because after filling in the information online, the bank thinks that the information is not complete enough and will assign a card application officer to come to collect the materials and take photos.

1. Applicants also do not need to go to bank branches in person and wait for the card handler to come to apply for the card. All the applicant has to do is to carefully verify the card handler’s true identity and ask him to show his job. ID, find the employee number above and call the customer service of the bank to ask if there is such a person.

2. Finally, applicants need to be reminded that applying for a credit card online is convenient and fast, but they must also carefully identify the authenticity and security of the website. In addition to applying on the bank’s official website, applicants can also log in to websites such as Rong 360 Apply through a formal website that maintains a cooperative relationship with the bank and is officially authorized by the bank. No fees will be charged during the entire process.

3. After clicking Apply Now, you will automatically jump to the bank's official website to fill in the information. All information is done on the bank's official website, which is at the same level as the bank's official website in terms of security.

4. In addition, applicants should pay special attention not to trust any informal websites or credit card intermediaries that apply for credit cards. Such websites or intermediaries are almost all scammers and will try their best to trick you during the process of applying for a credit card. Various fees are charged. Once you believe the scammer's rhetoric, the applicant may suffer from information leakage, property damage, etc.

Where to apply for a credit card?

Credit cards, as a payment tool that can "spend first, repay later", are becoming more and more popular among people nowadays. So, where should I apply for a credit card?

1. Bank outlets

All major banks will issue credit cards, so if you want to apply for a credit card, go directly to a bank's business outlet That’s it. However, you must bring your ID card, proof of income, proof of assets and other materials when applying.

2. Online Banking/Mobile Banking

Customers who have online banking or mobile banking can also log in to the bank’s official website or download the mobile banking client, and then use online banking or mobile banking On the "Credit Card" page in the bank, select a favorite credit card to apply, fill in the relevant information and submit.

3. WeChat/Alipay

Now you can also apply for a credit card through WeChat and Alipay. For example, each major bank will have its own official WeChat public account. You can directly follow the bank's WeChat public account and then apply in the public account. The same applies to Alipay. You can directly choose a credit card in the bank's Alipay Life Account to apply.

Main features:

Pre-deposit of cash is not encouraged, consumption first and repayment later, enjoys an interest-free repayment period, can be repaid in installments (with a minimum repayment amount), and join VISA , MasterCard, JCB and other international credit card organizations so that it can be used globally.

It is one of the fastest growing financial services today and is an electronic currency that can replace traditional cash circulation to a certain extent.

Has both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using their credit cards. It is a high-tech product that integrates financial services and computer technology. Can reduce the use of cash currency. It can provide settlement services to facilitate shopping and consumption and enhance a sense of security. It can simplify the collection procedures and save social labor.

Can promote product sales and social demand.

Feature comparison:

Advantages:

Compared with ordinary bank savings cards, the most convenient way to use credit cards is that they can be used when there is no cash in the card. For ordinary consumption, in many cases it is enough to repay the consumption amount on schedule.

You can use overdrafts without deposits, and you can enjoy an interest-free period of 20-56 days for on-time repayment without any interest charges (most banks will charge an interest of 50,000 cents on the day of cash withdrawal, and There is a 2% handling fee. ICBC cash withdrawals are free of handling fees and only charge interest).

Swiping your card when shopping is not only safe and convenient, but also provides points for gifts.

You can enjoy discounts when you use the card at the bank's designated merchants.

Accumulate personal credit and add a record of integrity to your credit file that will benefit you throughout your life.

It is accessible nationwide and you can withdraw money or make purchases by swiping your card at ATMs and POS machines with the UnionPay logo; (Note: Credit cards are only suitable for consumption and swiping. It is best not to withdraw cash. The handling fee for cash withdrawals is very high and very inconvenient. Cost-effective)

Swipe card purchases, collect existing points with some credit cards, and offer a variety of discounts and lucky draws throughout the year, so you can always be surprised as long as you use the card; (most credit card online payments do not have points, but online shopping payments Very convenient and fast)

Free mailed statements every month, allowing you to transparently control every consumption expenditure; (now promoting green environmental protection, paper statements can be canceled and changed to electronic statements)

The unique supplementary card function is suitable for couples to manage finances at the same time, or to control their children's financial expenditures.

The free choice of one card and dual currencies is available all over the world. Overseas consumption can be repaid in domestic RMB.

400 or the 5-digit short number starting with 9 is available 24 hours a day. Loss reports are effective immediately and there is zero risk of losing the card.

Have validity period: It is known that the validity period of domestic credit cards is generally three or five years.

Use third-party platforms (the domestic platform that supports credit card bill management is mainly Jujindou) for business cooperation to provide cardholders with preferential services.

I want to apply for a Bank of China credit card, where can I apply?

You can use Bank of China mobile banking, "Bank of China Credit Card" WeChat official account, Colorful Life APP, online banking, Bank of China Complete the credit card application online on the official website (). You can also bring your ID card and other valid documents, as well as proof of financial resources and income, to fill out the application form at a Bank of China branch to apply. Proof of financial resources includes real estate, cars, salary certificates (details of the past three months), complete tax certificates, etc. The details will be determined at the counter.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, please feel free to consult Bank of China’s online customer service.

You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GOAPP to handle related businesses.

Where can I apply for a credit card (debit card)?

Users who want to apply for a credit card (debit card) can apply at bank business counters, bank official websites and other places.

Users need to bring personal identity information and income certificates when applying for a credit card. You can ask the staff to help you handle it at the counter of the business hall, and you need to follow the reminders on the bank's official website.

The conditions for applying for a credit card (debit card) are as follows:

1. The applicant must be over 18 years old, have full capacity for civil conduct, and hold a valid personal ID.

2. The sponsor needs to have a stable source of income.

3. The applicant’s personal credit report has no serious overdue records or bad records.

Where can I apply for a Bank of China credit card?

How to apply for Bank of China Credit Card:

You can apply online through mobile banking, "Bank of China Credit Card" WeChat official account, Colorful Life APP, personal online banking, and the official website of Bank of China () Apply for a card. You can also go to the nearest Bank of China branch with your valid identity document and proof of financial resources to fill out the paper application form.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, please feel free to consult Bank of China’s online customer service.

You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GOAPP to handle related businesses.

Where to apply for a credit card

You can apply through self-service channels, such as mobile banking, online banking, official credit card website, etc. If you can provide some proof of financial resources, such as real estate or car ownership, this will be helpful for card review. You can go to the branch to apply. Remember to bring your ID and other information when you go. If you have bank statements, if you have a large bank account with China Construction Bank A deposit amount can also be provided. More information will be helpful for card review.

At present, there are roughly two types of bank cards in people's hands. One is commonly used savings cards, and the other is credit cards.

A savings card, also called a debit card, is an account in which personal funds are stored. For example, a salary card required by a company is a savings card, which will pay monthly wages to an individual's savings card. Debit card applicants need to submit information in person at the bank counter. The information that needs to be submitted includes: original personal identity document, real-name mobile phone number, work certificate, academic certificate, and signed card application agreement, etc. In recent years, due to the introduction of new policies, for ordinary people to apply for a savings card, they need to go through a strict qualification review. First, the original identity of the person who applies for it needs to be verified. They also need to verify that the mobile phone number is authenticated by their real name. If they are applying for a salary card, they also need to Work certificates, labor contracts and other materials are required.

You can apply for a credit card if you are between 18 and 70 years old, have a stable income, and have good credit. The card application methods through the following bank channels are summarized:

1. Apply for the card through bank branches. Bring the original ID card, proof of work income (usually including: work permit from the unit, employment certificate, salary card statement (preferably more than 3 months), tax bills for the past 3 months, social insurance policies, provident fund bills, etc., these are not all If you want, you can if you have it) If you can attach some proof of financial resources, such as real estate, cars, bank certificates of deposit, financial management, etc., then it will be very helpful to apply for the card.

2. Apply online on the bank’s official website.

3. Mobile banking.

4. Online banking.

5. Official WeChat public account. (It must be official~)

Credit cards actually mean consumption in advance. There is a certain amount of funds in the user's account. The user can consume first according to their own needs and then repay. To apply for a credit card, you only need to submit an application on the bank APP. The application information includes: personal identity document, real-name bank account, work unit and residential address, etc.

If there is no problem with the applicant's information review, the review can be completed within a few days and a credit card will be issued. After the user gets the credit card, he or she needs to activate it first before spending money normally. Generally, the repayment date for a credit card is a certain day in the next month, and the billing cycle ranges from 30 to 45 days. Credit cards have annual fees, and there are differences between different banks and different types of cards. After spending, the credit card’s consumption records will be reported to the credit report. If the user fails to repay the payment overdue, personal tax will be imposed. The letter has a negative impact.

This ends the introduction about where to apply for a credit card and where to apply for a credit card. Have you found the information you need?