Credit card application process with ID card

1. Preparation of information

1) ID card (required), a copy of the passport for overseas residents, and a copy of the passport for those from Hong Kong, Macao and Taiwan when returning home A copy of the certificate/Taiwan compatriot certificate, etc., and the military and armed police must provide a copy of the military officer certificate or police officer certificate.

2) Work certificate, copy of work permit, work badge, and business card can also be used as work certificates.

3) Income certificate, issued by the unit’s personnel administration department, is best issued together with the work certificate. If you really don’t have one, you can also use the salary slip, a copy of the passbook for salary payment, and the transaction list of the bank card for salary payment.

4) Proof of financial resources, which can be bank salary records, income tax withholding certificates, or documents proving the market value of houses, cars, deposits and investments (such as real estate certificates/car driving licenses/bank time deposit certificates) Photocopy) and other documents that can prove your financial level.

5) Social security.

6) Other reference materials include social insurance personal account list in the past 6 months, water and gas bills, credit card bills from other banks, etc.

Each bank has different standards for receiving documents, so not all of the above information is required, but ID is required, and proof of work or income is also important. The more information you provide, the easier it will be to approve the card and limit.

2. Choose a credit card

If it is your first time to apply for a credit card, it is best to choose a credit card that suits you based on your actual consumption situation. For example, if you do a lot of daily supermarket shopping, you can choose a supermarket co-branded card; if you do a lot of daily business trips, you can choose a hotel co-branded card or an airline mileage card; if you do a lot of daily online shopping, choose a credit card with points for online shopping.

3. Apply for a credit card

After choosing a credit card that suits you, you can fill out the application form in several ways. For example, you can apply on the websites of major banks, WeChat of major banks, mobile banking of major banks, or through third-party websites authorized by banks, or go directly to bank branches. Never apply for a credit card on a link from an unknown source. Choose a legitimate credit card application website. In addition, there are many scams on credit card agencies, so choose carefully.

4. Fill in the information

The name, mobile phone number, ID number, landline phone number, relative contact information, annual income, etc. on the application form must be filled in truthfully. Also make sure to fill in the information completely.

5. Waiting for review and bank approval

The online application will be approved within one week, and the card will be produced within two to three days. The card will be mailed within two working days, which usually takes fifteen days. time. It takes at least one month to apply for a credit card over the counter.

6. Activate credit card

If you apply for a credit card directly at the bank counter, you generally do not need to go to the counter to activate it. When applying for a credit card online, most banks will require the applicant to go to the branch in person for activation. Go to the counter of any branch of this bank for activation, bring your ID card, credit card letter, and make copies of your ID card (front and back) and credit card (front).

Requirements for applying for credit card with ID card

Each bank has different requirements for applying for a credit card. For different customer groups, the focus of the requirements will be different. However, applying for a credit card requires meeting the following basic conditions.

1. Be between 18 and 65 years old;

2. Have a stable career and income;

3. Have good credit and be on time The ability to repay interest;

4. A natural person with full capacity for civil conduct.

If you do not meet the requirements for applying for a regular credit card, you can apply for an additional card through your parents or spouse. The conditions for applying for an additional card also vary from bank to bank, but generally include the following.

1. Natural persons with full capacity for civil conduct or limited capacity for civil conduct;

2. Over 13 years of age;

3. Affiliates under the age of 16 Card applicants must provide a copy of their household register when applying.

Most banks now allow you to apply for a credit card with your ID card, as long as you have the ability to repay on time and a good personal credit record.

However, most banks also state that when applying for a high-value credit card, you need to provide ID card, proof of income, or property certification materials such as cars and houses.

How to apply for a credit card

The credit card processing method is as follows:

1. Prepare materials. When you go to a bank to apply for a credit card, you must first prepare the corresponding application materials, which generally include original ID cards, work certificates, income certificates, etc.

2. Go to the bank to get the number. After you prepare the information, you need to choose a bank outlet you like, go to the bank's self-service number-taking machine during working hours to pick up your number, and prepare to handle business.

3. Fill in the card processing information. Generally, after taking the number, you can ask the bank lobby manager how to fill in the information, and fill in the information according to the staff's prompts and the template provided by the bank. The information required to be filled in must be accurate and cannot be erased.

4. Submit information. After filling in the corresponding information, wait until the bank counter calls your number. After getting the number, go to the counter to submit the required information for card application and wait for bank review.

5. Anti-audit. After receiving your verification information, the counter staff will review the information according to the bank's corresponding regulations to see if it meets the conditions for applying for a credit card. If so, it passes the review. If it can't do it, it will tell you why it can't be done.

6.Card issuance is activated. If the bank has already applied for the card, the bank counter staff will issue the card to you in time and help you activate it. From that point on, your credit card has been successfully processed.

Extended information:

1. Advantages and disadvantages of applying for a credit card:

(a) Advantages of a credit card:

1. No deposit required For overdraft consumption, you can enjoy an interest-free period of 20-56 days.

2. When shopping, you will get points as gifts.

3. Special merchants who hold cards at the bank can enjoy discounts.

4. Accumulate personal credit, and the credit record can be added to the credit file.

5. You can withdraw money or swipe your card at ATMs and POS machines with the UnionPay logo.

6. Some credit cards accept existing points.

7. Free monthly mailing of statements.

8. With the supplementary card function, you can manage finances together and control your children’s financial expenditures.

9. In the form of one card and two currencies, you can use domestic RMB to repay when you spend abroad.

10. 24-hour service hotline, loss report takes effect immediately.

11. Cooperate with third-party platforms to provide cardholders with preferential services.

(2) Disadvantages of credit cards:

1. Credit cards can easily lead to over-consumption.

2. Credit cards have higher annual interest rates.

3. Credit card debt can cause mental stress.

4. If your credit is not good, the cost of borrowing money will be higher, and you may even not be able to borrow money.

How to apply for a credit card

1. Debit card:

If you want to apply for a debit card, just bring your ID card to the bank counter to apply. However, if you have a registered permanent residence in other places, you may also need to prepare a residence certificate or work certificate.

If it is a minor who wants to apply, just ask his or her parents to accompany them. If you have an ID card, bring your ID card. If you don’t have an ID card, you can bring your household registration book.

2. Credit card:

If you want to apply for a credit card, you need to prepare much more information than a debit card. Not only do you need to bring your ID card, you also need to provide local household registration or proof of residence, such as household registration book, temporary residence permit, utility bill payment slip, etc.

In addition, you also need to provide personal proof of work income, such as work certificate stamped by the unit, work permit, bank statement, etc.

Also, if the applicant has certain assets, he can also provide some asset certification materials, such as large deposit certificates, real estate certificates, car driving licenses, etc. In short, the more sufficient information you have prepared, the better.

Applying for a bank card

The process of applying for a credit card and a debit card is different.

When applying for a credit card, you need to bring your valid documents (ID card or copy of ID card or household registration book or copy of household registration book), proof of residence, proof of unit income or proof of personal assets and other materials to the bank counter to go through the relevant procedures and fill out the application. Form, the information filled in must be true. After filling out the application form, it must be filed with the head office of the account opening bank. After the head office of the account opening bank reviews the application materials, it will take about 20 working days before the card can be issued to the customer.

Credit cards are only available to customers who are 18 years of age or older. Minors are not allowed to apply for credit cards.

Applying for a debit card is relatively simple. You only need to bring your valid documents (ID card or household registration book) and fill out the application form at the bank where the account is opened. The card can be issued to the applicant at that time.

There is no age limit for debit card application, and minors can also apply. When customers under the age of 16 apply for a debit card, their guardian must hold the account booklet (if they are not in the same account booklet, relevant certificates must be provided) to the bank branch counter to apply for it, and the person being processed does not need to be present; if the customer is over 16 years old, If minors under the age of 18 are already working, they can go to the bank counter with their work certificate and ID card to apply for a debit card on their own. If they are not working, they still need the assistance of their guardians, and the person being processed does not need to be present; Applicants who are 18 years old or above can directly go to the counter of a bank branch or a self-service card application machine with their ID card to apply for a debit card, and get it immediately.

Report the loss of a bank card

The procedures for reporting the loss of a bank card are not exactly the same among major banks. If you lose your bank card, you can first use the phone or online banking to temporarily report the loss, and then bring your ID card and other proof. Report the loss of materials at the bank counter.

Notes

1. When entering the password, be sure to cover it with your hands. If there is any abnormality in the password shield and card entry protection slot of the ATM machine, for safety reasons, do not use it. At the same time, inform the bank immediately;

2. In order to prevent fake ATM machines, customers should try to choose self-service banks with obvious signs and use ATM machines under the bank’s video surveillance;

3. It is best to store bank cards and ID cards separately, do not lend bank cards to others, and do not disclose bank cards and passwords at will;

4. When swiping cards for consumption, do not let bank cards out of sight and pay attention. Check the number of times the cashier has swiped the card. When you get the purchase order and card, check whether the amount on the purchase order is correct and whether it is your card;

5. Activate the mobile phone SMS service to keep track of account changes at any time , once abnormal transactions are discovered, call the bank immediately to report the loss;

6. If you suspect that funds have been stolen, you should immediately call the bank customer service number and report the loss of the bank card account in a timely manner.

7. Do not put bank cards together with electrical appliances with strong magnetic fields such as mobile phones, TVs, stereos, microwave ovens, etc. It is best to put them far away. Do not keep multiple bank cards and passbooks together.

8. Use pieces of paper to separate cards as much as possible to act as a distance.

9. You can use special bank card holders or anti-magnetic card holders.

You cannot open more than 4 cards from the same bank

Can I apply for a credit card with only an ID card?

No

Applicants need to meet the following conditions:

1. The applicant is over 18 years old and has full capacity for civil conduct. In addition, the bank does not accept credit cards. There is a maximum age limit for applicants. Some banks stipulate that the maximum age is no more than 60 years old, and some banks stipulate that the maximum age of applicants is no more than 65 years old.

2. The applicant has a stable job and can Continuous source of income;

3. The applicant’s personal credit report has no bad records such as overdue credit.

To apply for a credit card, you need to provide the following information:

1. Copy of ID document, work certificate, income certificate, etc.;

2. If you can still Provide bank deposit certificates, real estate certificates, degree certificates, etc., and your application approval process will be more convenient and faster;

3. If you have a foreign registered residence, an overseas personnel is applying for a local job, and an active-duty military officer applies in his or her own name. When receiving a credit card, some card-issuing banks may require you to produce a temporary account issued by the local public security department or a certificate issued by the relevant department (including work certificate);

4. Other conditions required by each card-issuing bank.

This is the introduction of how to apply for a credit card with an ID card.