1. At least 18 years old, with valid identity documents and no bad credit record, you can apply to the bank.
2. Bring ID cards, income certificates and other related materials to the bank outlets, collect and fill out the application form, and submit it to the bank for review together with the supporting materials.
3. The bank will comprehensively verify your salary, assets and personal credit, and give a credit card limit.
4. After the bank checks, it will send the credit card to your predetermined address, or pick it up at a bank outlet.
You can use the credit card when you get it and activate it.
Classification of credit cards:
credit position
According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.
(1) ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.
(2) gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.
Liquidation method
According to different payment methods, credit cards can be divided into credit cards and quasi-credit cards.
(1) credit card. That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation. In other words, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used for international circulation.
(2) quasi-credit card. It refers to a credit card in which the cardholder must first deposit a certain amount of reserve funds according to the requirements of the issuing bank. When the balance of the reserve account is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank, but interest will be charged from the date of overdraft, and interest-free period will not be enjoyed (reserve is not required for quasi-credit card).
Circulation range
According to the different circulation scope of credit cards, they can be divided into international cards and regional cards
(1) international card. International card is a kind of credit card that can be used outside the issuing country and is universal. MasterCard, Visa, American Express, American Express, JCB and Diner Club Card issued by five overseas groups are international cards.
(2) regional cards. Regional card is a kind of credit card that can only be used in the country or region where the issuing bank is located. Most credit cards issued by China Commercial Bank belong to regional cards.