Can I apply for a credit card online?

You can apply for a credit card online. Online credit card application is generally done on the official website of the card-issuing bank. The interface layout of the official website of different banks may be different, so pay attention to the distinction when using it. The specific application steps are:

1. Use your mobile phone to open Baidu browser and log in to the official website of the bank to which the credit card you are applying for belongs.

2. Find the "Credit Card" option in the main menu of the homepage, click the mouse to enter the credit card business page, and handle the bank's credit card business.

3. The "Credit Card Application" menu item is generally more obvious on the credit card business page. Find "Credit Card Application" and find "Apply Card Now" in the "Credit Card Application" column to enter the personal credit card online application page. .

4. After entering the online application page for personal credit cards, the varieties and types of all credit cards of the bank will be listed on the page for applicants to choose. After selecting a suitable credit card, the next step is to fill in the information. According to the process set on the web page, first fill in the basic personal information, then fill in the income status, work situation and other information, then read the relevant credit card statement agreement of the bank and click to agree to the agreement, and then submit the application.

5. Just wait after submitting the application. During the waiting period, the bank will review and evaluate the applicant's information to see if he or she has the ability to repay the credit card. After passing the review, the bank will make a card for the applicant and mail it to the applicant.

Operating environment:

Brand model: iPhone13

System version: iOS15.0

App version: v13.2

The requirements for online credit card application are the same as those for over-the-counter application. They require the applicant to be between 18 and 65 years old, and be able to afford the maximum amount specified in the credit card applied for. In the bank credit system No history of bad behavior, etc. If you seek a guarantee from a guarantee company or person when applying for a card, you need to present the guarantee qualification materials of the guarantee company or guarantor. In addition, different banks’ credit card types have different requirements for applicants. For details, please refer to the bank’s explanation.

Benefits of credit cards:

1. Applying for a credit card can effectively solve the user's problem of insufficient funds, and the application of a credit card does not require a loan or borrowing money from others.

2. The use of credit cards has an interest period. Users can invest money and repay the money within the repayment period, effectively improving the utilization rate of funds.

3. Credit card issuing banks will cooperate with merchants, and users can enjoy discounts; 4. Timely repayment of credit cards can increase a good credit record.

The above are the benefits of credit cards.

The pros and cons of credit cards:

1. There may be service staff who overspend the cardholder during the consumption period, or steal the credit card and use it for other merchants’ consumption. This situation occurs in physical or virtual environments. It can happen to any business.

2. The integrity system is still imperfect, there is still lax review in bank credit and other aspects, citizens’ own information security protection is insufficient, and credit card crimes are serious.

3. Users’ blind credit card consumption may lead to excessive consumption, irrational consumption and other situations.

4. There is no interest-free period for cashing out credit cards, and users also need to be charged handling fees.

Can I apply for a credit card online

There are two ways to apply for a credit card. The first is to apply for a card offline, and the second is to apply online, that is, apply for a credit card online.

Tools/Materials

Browser

01

First of all, there are many types of credit cards. You first find a bank’s credit card, and then Search the bank's credit card official website and select a credit card.

02

To apply for a credit card, you need an old version of Windows browser, just open it directly.

03

Enter your name, ID, city, etc., and then wait for a return visit from the bank to know whether the card application was successful.

04

After receiving the card, because you applied online, you need to take the card and ID card to a nearby outlet to activate the card.

Special Tips

I hope this helps you, thank you!

How to apply for a credit card online

You can apply for a card online.

1. Online application process:

1. Enter the bank card application page through the ICBC portal website or log in to personal online banking

2. Select the province where you apply for the card and city and bank card type to apply for_and click Apply

3. Complete the application information according to the prompts and agree on the card collection outlet. Read ICBC's "Instructions for Safe Card Use" and "Automatic Repayment Business Agreement" Letter" and confirm whether you agree with the applicant's statement;

4. After confirming the applicant's statement, you can click "Submit" to complete the application process. After submitting the application, you can click "Continue Application" to enter the product selection page and continue to choose to apply for other products

5. You can check the card application progress through the counter, telephone banking and portal website, or log in to personal online banking

6. After receiving the card, the appointment card collection outlet will send a card collection notification message to the applicant

7. After receiving the card collection notice, the applicant must present a valid ID card to the designated collection center. Card branches handle signature confirmation, card collection and activation of business

2. Which banks can apply for cards online?

If it is your first card, you can apply online for many banks. To be precise, common banks, especially banks with more flexible ideas, such as China Merchants, CITIC, Communications, Guangfa, etc., can all apply online. However, considering the bank's review, you and the bank's people need to meet in person. China Merchants Bank will have a salesperson visit you at your unit after you apply. CITIC, Communications, etc. will mail it to you after passing the online preliminary review. However, this card cannot be used temporarily. You must bring the card to a bank branch for an interview before it can be officially opened. Otherwise, if all applications are made without seeing the applicant in person, this is a violation of the regulations of the China Banking Regulatory Commission. If you are not the first cardholder, that is, you already hold a card from the bank and apply for a second card, then basically all applications for industrial and commercial, construction, investment promotion, CITIC, transportation, people's livelihood, industrial, etc. can be done online.

3. What are the requirements for applying for a card online?

1. First of all, the credit card held by the card applicant is in normal condition and has no bad credit record.

2. According to current information from public channels, the banks that currently support card processing include: Bank of China, Bank of Communications, Shanghai Pudong Development Bank, China Everbright Bank, Hua Xia Bank, Industrial Bank, Ping An Bank, and China Guangfa Bank . Generally speaking, for these banks, the card you currently hold with the longest period of use and the highest limit will be more popular. However, you still need to consult the customer service of each bank in detail for specific circumstances. Each bank has its own rules for the card application model.

3. Try to provide proof of personal financial resources when applying for a credit card, such as: copies of self-owned real estate certification documents, original and duplicate copies of motor vehicle registration documents, and copies of bank fixed-term (current) deposit certificates (folded) Documents or copies of academic certificates, etc. 4. The age of the card you have as a reference needs to meet the standard. It must have been used for at least half a year, the limit cannot be less than 5,000, and there is no bad record. In addition, the number of cards in one's name should not be too many. For ordinary people, 4 cards is enough.

Can I apply for a credit card online?

ICBC card application can be applied online. Taking bank cards as an example, you can directly log in to the official website of ICBC, find "Debit Card Online Application", select the card application city and card type, click "Online Application" and follow the steps. You can also apply online through the "Industrial and Commercial Bank of China Customer Service" WeChat official account and select "Intelligent Finance - Apply for a Deposit Card". (Operating environment: WeChat Apple 12, ios14, WeChat version 8.0.13)

It should be reminded that after ICBC applies for a bank debit card online, the cardholder must bring their ID card and bank card to the Industrial and Commercial Bank of China. Activation procedures must be handled at bank branches. Debit cards do not support online activation.

After applying for a credit card online, you can activate it over the phone or through online banking.

Online application process: (Operating environment: browser computer: macbookpromos14 opens Google version 92.0.4515.131) 1. Enter the bank card application page through the ICBC portal website or log in to personal online banking; 2. Apply by selecting Card province and city and the type of bank card applied for and click Apply; 3. Complete the application information according to the prompts and agree on the card collection outlet. Read ICBC's "Instructions for Safe Card Use" and "Automatic Repayment Business Agreement" and confirm Do you agree with the content of the applicant's statement? 4. After confirming the applicant's statement, you can click "Submit" to complete the application process. After submitting the application, you can click "Continue Application" to enter the product selection page and continue to choose to apply for other products; 5. You can check the card application progress through the counter, telephone banking and portal website, or log in to personal online banking; 6. Receive the card at the appointment card collection outlet After receiving the card, the applicant will be sent a card collection notification text message; 7. After receiving the card collection notification, the applicant must go to the agreed card collection outlet with a valid ID to sign for confirmation, receive the card, and activate the business.

: ICBC cards are divided into savings cards and credit cards: 1. Savings card classification: classified by brand, including Money Link Card, Elite Club Account Card, ICBC Wealth Financial Club Account Card; classified by card functions, There are chip cards (including single chip cards, magnetic stripe chip composite cards) and magnetic stripe cards; according to the type of co-branding, there are wealth management merchant cards, military security cards, Wenong Money Link cards, etc.; according to the issuing area, there are national savings cards , regional savings card. 2. Credit card classification: According to whether they enjoy an interest-free repayment period, they are divided into: credit cards and quasi-credit cards; according to credit levels, they are divided into: black gold card, platinum card, gold card and regular card, etc.; according to the currency of the account They are: RMB cards, dual-currency cards (including multi-currency cards); according to the brand, they are divided into: UnionPay card, VISA card, MasterCard, American Express card, JCB card and Diners Club card, etc.; according to the card issuance objects, they are divided into: personal cards and Corporate (business) cards and personal cards are divided into main cards and secondary cards; according to the information carrier, they are divided into: magnetic stripe cards, chip cards and magnetic stripe chip review cards.

Can I apply for a credit card online?

If you are applying for a credit card, it can naturally be processed online. Customers can apply directly through online banking, mobile banking clients or credit card APPs. After the application is submitted, the bank will review it. If approved, a card will be issued and sent to the customer immediately. After the customer receives the card, it can be activated and used.

However, everyone needs to note that if it is the first time to apply for a credit card from a bank online, you may have to go to an offline branch for an interview later. If it is not the first time to apply online but has been applied before, an interview is usually not required.

If you are applying for a debit card, it depends on the bank's regulations. Some must go to branches to apply, and cannot be applied through online channels; some can be applied through personal online banking, but you still have to go. The card can only be collected at an outlet; in some cases, the card can be mailed directly after the customer applies online, but some require an interview. It is recommended that you call the bank customer service for details, and then the customer can choose a bank that can apply online to apply for a card.

That’s it for the introduction of whether you can apply for a credit card online.