Is it reliable to apply for Helibao credit card on behalf of us?
The credit card of Helibao is not reliable. According to the relevant information, it is not reliable to apply for a credit card on behalf of others. You need to find a reliable person, such as an acquaintance or relative, to do it. Applying for a credit card for others also requires normal approval procedures, and is risky and unreliable.
Are the credit card application advertisements on WeChat trustworthy? Pay attention to identification
As WeChat becomes everyone’s main communication, social networking, and payment tool, the business opportunities are also obvious. WeChat businesses are everywhere in the circle of friends, selling everything! So, are the credit card application advertisements on WeChat trustworthy? Let me talk to you today.
First of all, any advertisement with the slogan "Agency for large-amount credit cards" is not credible.
Every credit card needs to be strictly reviewed by the bank before it is issued, and the bank does not authorize any platform to issue credit cards. At most, it authorizes some intermediary platforms to provide card application platforms, such as Alipay, WeChat, and QQ. wait.
If there are similar advertisements in your WeChat circle of friends, such as "You can get a large credit card with just your ID card", then you should be wary. This is not a scam. Just cheating on the handling fee.
In addition, if you add the bank card application person's WeChat account through a referral from an acquaintance, the card application information received will be credible, but only if you can ensure that he is actually the bank card application person.
Finally, I would like to introduce you to a WeChat credit card application platform. After filling in the information and submitting it online, you only need to wait for the card to be issued. The specific application path is as follows:
Personal WeChat—My—Wallet—Credit Card Repayment—Free Credit Card Application.
The types of credit cards that can be applied for on WeChat are limited. China Merchants Bank, China Minsheng Bank, China Guangfa Bank, Industrial and Commercial Bank of China, China CITIC Bank, Shanghai Pudong Development Bank, Bank of Communications, Bank of China, Ping An Bank, Industrial Bank, and China Everbright Bank each have three types. A variety of popular cards can be applied for.
In short, the advertisements for applying for credit cards on WeChat are not trustworthy and you need to identify them yourself. Applying for a credit card is definitely a scam, so don’t let them deceive you.
Is door-to-door credit card application reliable?
Some are trustworthy and some are not.
It is relatively safe if regular staff of the bank conduct door-to-door processing
Nowadays, major banks
especially some commercial banks in order to promote For your own credit card business, you will assign salespersons to handle credit card business at your doorstep. For this card application method, please verify the identity of the bank clerk to ensure that the other party is a regular employee of the bank. Do not trust third-party agents and unidentified personnel to protect your personal and property safety.
If you apply through formal channels such as banks and specify that you want to go to your door, it is safe.
If you have any questions, you can call the credit card customer service to verify the details:
1. Please log in to the credit card website, select "Apply for Credit Card" - "New Customer Application", and fill in the form online Make an appointment and wait for the bank's review. If approved, a specialist will come to your door to process it. If you want to apply in this way, please first confirm whether our bank can provide free appointment for door-to-door processing in your area (the results will be displayed after selecting the province/city/district).
2. Please go to any branch of China Merchants Bank in person to apply for the application in person with your original identity certificate, work certificate and financial certificate.
To apply for a bank card, you generally have to go to a bank branch or the bank’s official website. Applying for a credit card is not a simple matter. It is usually handled by multiple people and departments at the bank. During the process, the bank will evaluate the applicant's score. The score mainly includes: personal credit, workplace, age, and whether you are married. , property status, these materials also need to be reviewed. Except for real bank employees, it is difficult for the door-to-door personnel to do so. They may just be to collect information.
The work address must be filled out truthfully on the form filled in when applying for a credit card. If the company does not have a phone number, fill in "0", which means the company does not have a fixed phone number, and the bank will need to verify it; for credit cards applied online After the production is completed, it will be mailed to the address reserved by the applicant. The applicant needs to take the credit card to the branch of the bank to handle the activation business.
It is free to apply for a credit card, but it does not mean that the more credit cards the better. The limit of multiple credit cards in one bank is exclusive. It is recommended that you only apply for one credit card per bank under your name. **Apply to no more than four banks. Applying for a credit card too many times will affect your personal credit score, and it is difficult to manage and can easily lead to overdue credit card applications.
Revealing the large-amount credit card scam: 4 tips to expose the agency credit card scam
Many people pursue a large credit limit when applying for a credit card, but the actual credit card limit is determined by the bank, and the credit conditions are generally large Credit cards are more difficult to apply for. Many intermediaries took advantage of this situation and acted under the guise of acting as agents for large-value credit cards. Today I will give you a big reveal about large-value credit card scams.
1. Charge various fees
There is no need to pay any fees when applying for a credit card through formal channels. However, handling fees, packaging fees, activation fees, etc. will be charged when applying for a large-amount credit card. Then, it must be a rogue intermediary, don’t be fooled. After getting the money, the opponent will disappear and the money card will be empty.
2. Obtain information by fraud
To apply for a large credit card, the card holder needs to provide personal identity information and related personal privacy, such as ID number, address, phone number, marital status, and financial resources. Proof etc.
After obtaining your information, scammers may sell it publicly, apply for loans, apply for credit cards, apply for bank cards, or even engage in smuggling, and other serious illegal activities.
3. Defrauding other credit card information
During the process of applying for a credit card, scammers may use the card to apply for a large credit card as an excuse to defraud you of other credit card information, such as, Validity date, credit card security code and other important information, and then commit fraud. If during the process of applying for a credit card, the other party asks you for this information, be sure to refuse decisively.
4. Apply for a card with your ID card only
Every credit card is issued by the bank after strict review. You cannot apply for a large credit card with your ID card alone. The applicant's credit conditions and comprehensive score are important basis for applying for the card.
If a scammer uses the guise of "applying a large credit card with just your ID card", you must not believe it.
The above large-amount credit card scams are revealed. If you encounter one of these, you must be vigilant and don’t be fooled. It is recommended that everyone apply for a credit card through the bank’s official channels or a formal platform authorized by the bank.
Is it credible to charge 15 points for a credit card?
Don’t trust this kind of agency service and be careful not to be deceived. There are many similar cases.
15 points is a handling fee of 15. If you mention 50,000, you need to pay a handling fee of 7,500. This is the fee charged by some intermediaries in society who help people apply for credit cards. It is 15 points, which is 15. For example, if you apply for a credit card successfully and the limit is 50,000 yuan, then you will have to pay a fee of 7,500 yuan to help you apply for the card. of intermediaries.
Not to mention the high handling fees, your information may be resold and leaked, and if the bank knows about it, it will be difficult to get a loan through formal channels in the future.
Extended information
“No proof of income is required. You only need to provide a copy of your ID card to apply for a large credit card of more than 50,000 yuan.” Such advertisements for agency credit cards can be seen everywhere on the Internet. .
The China Payment and Clearing Association recently issued new regulations, requiring that the application for a credit card must be handled by the applicant in person with his or her original identity document, and other individuals are not allowed to apply on behalf of the applicant. However, a reporter from Beijing Business Daily found that in the past two days, small advertisements for online credit card agencies are still emerging one after another.
Just enter "agency credit card" on the Internet, and you can see a lot of agency information released in the past two days.
One of the agents in the southwest region said, "I can quickly apply for a credit card, and the card will cost RMB 10,000-30,000 in five days. You can also increase the limit after placing the card. You only need to have no credit card and a local account."
The reporter contacted someone who is engaged in credit card processing, and the other person said that he can "apply for a card with a card" or "apply for a mortgage or car loan", with a single card limit of 10,000-30,000 yuan. If you have a credit card that has been used for more than half a year, or a mortgage or car loan that has been repaid for more than half a year, you can apply if you meet one of the conditions. Some banks can get the card on the same day, and others can issue the card in about 7-10 days, and the fees are low.
It seems that it is very good to apply for a credit card online. Not only is the card issued quickly, but the overdraft limit is also high. But in fact, there have been many news reports before about some applicants who sought agents online to obtain large-value credit cards but were defrauded of their money.
Some agencies usually take advantage of consumers' rush to process or do not meet the processing conditions to defraud high fees. In the past, there have been incidents where agents used the identity information of the card holder to fraudulently obtain credit cards with malicious overdrafts.
In fact, online credit card agency is not reliable in terms of regulations. According to the "Guidelines for Risk Control and Security Management of Bank Card Business" recently issued by the China Payments and Clearing Association: Applying for a credit card must be handled by the applicant in person with his or her original identity document, and other individuals are not allowed to apply on his or her behalf (the principal cardholder may apply for an affiliated card on his or her behalf). (except cards).
Hua Ming, an analyst in the credit card group of the Yinsu Financial Research Center, told a Beijing Business Daily reporter that credit cards can be applied online, on the bank’s official website and other formal channels, but credit card applications are not allowed on behalf of the person and must be in person. Regardless of the channel through which the applicant applies for a credit card, except for a small number of credit cards that are clearly marked with a new card production fee, credit card applications do not require payment of any handling fees.
As for the online card issuance model currently promoted by many banks, Hua Ming said that although this form has become the main card issuance method promoted by various banks, applicants still cannot complete the entire credit card approval process online.
Among them, China Merchants Bank, Bank of Communications, China CITIC Bank, etc. use the method where the cardholder fills in personal information through the Internet. The bank conducts a preliminary review and verification of the information. After passing the preliminary review, the applicant will be asked to go to a nearby bank. Complete the interview steps at the bank branch and sign the application form.
The other is for the applicant to fill in personal information online. The bank will send a card issuance specialist to customers who meet the basic card issuance requirements to conduct further information verification and interview. The bank will issue the card after approving the subsequent information. No matter which form requires an interview, it is obviously unreliable to apply for a credit card online by simply providing your ID card.