In a blink of an eye, 20 17 is less than a month away. Did you buy a car or house this year? If you want to buy a car, you have to apply for the owner's credit card, and you can enjoy more preferential activities. Do you know what conditions car owners need to apply for a credit card and what information they need to prepare?
What are the application conditions for the owner's credit card?
1, aged between 18 and 65;
2. Have a stable occupation and income;
3. Have good credit and the ability to repay the principal and interest on time;
4. Have full capacity for civil conduct;
There is a car in the applicant's name.
What information do car owners need to prepare to apply for a credit card?
1, ID card
Provide the original and copy of the applicant's ID card, which can show the particularity of applying for a credit card;
2. Work certification documents
Including but not limited to work permit or work permit, work permit, etc. Stamp the official seal of the company;
3. Proof of deposit
If you have a deposit in the bank, you can issue a deposit certificate, which is very helpful for applying for a credit card and also helps to increase the initial credit card limit. If you deposit a sum of money in the issuing bank, then this certificate of deposit is more useful;
4. Vehicle certification documents
To apply for the owner's credit card, the applicant must have a vehicle under his name, so this vehicle certification document is particularly important;
5. Other financial documents
In fact, in order to apply for an owner's credit card, in addition to meeting the conditions for applying for an ordinary credit card, the applicant must also have a car under his name.
How to apply for the owner's credit card? Common problems and analysis of owners' credit cards
The owner's credit card can provide the owner with a variety of exclusive rights such as free car washing, refueling and credit card payment, which is very good. Many car owners want to apply for a car owner's card, but they are not clear about their application, which often leads to such problems in the process of handling the card. Let's make an analysis of these common problems.
1. Can a freelancer with a house and a car apply for a car owner's card?
Answer:
If you can submit the real estate license and driving license when applying, you can apply, as long as it is a private car. In addition, if you have a fixed income every month, you can submit proof of the entry of the salary card. After all, freelancing is also a profession, which mainly depends on the applicant's personal financial qualifications. It is recommended to apply for a car owner card of a commercial bank.
After all, compared with the four major state-owned banks, commercial banks are relatively relaxed in the review of owner's cards, such as Guangfa owner's credit card and Minsheng automobile credit card, which are still very easy to handle.
2. Can I apply for an owner's credit card for a car that is not in my own name?
Answer:
The owner's card must be a car in my name, and it can't be handled casually. The application conditions for the owner's card are:
1, aged between 18 and 65;
2. Have a stable occupation and income;
3. Have good credit and the ability to repay the principal and interest on time;
4. Have full capacity for civil conduct.
5. Provide the originals of various certificates.
Of course, there is no disability or illness, but you must have a driving experience of more than five years, because then you will have the practical ability to drive and get out of the scope of internship, and the possibility of bank approval will be great.
3. Can I get a car owner's card for the car I bought with the loan?
Answer:
The owner's card is only open to the owner. Car owners and cardholders can generally enjoy services such as refueling concessions and maintenance concessions.
Application conditions of owner card: the applicant must be 18 -65 years old, have a stable job and a fixed income.
Materials to be summarized when applying for the owner's certificate: the applicant's ID card or military officer's card; Copy of passport; Add any of the following materials:
1, 3 consecutive payslips or payslips;
Proof of deposit for more than 2.3 months;
3. Household registration book;
4. Real estate license;
5. Motor vehicle driver's license.
Application method of owner card: apply at business outlets; Online application; Salesman door-to-door selling
Credit card processing method of China Construction Bank's main card
The treatment method is as follows:
1, applied by official website, China Construction Bank.
2. Contact the Credit Card Commissioner of China Construction Bank for face-to-face signing.
Go to the counter of China Construction Bank.
Taking the counter handling of CCB outlets as an example, the handling process is as follows:
1. I prepare my personal ID card, driving license, vehicle registration certificate, work income certificate and other relevant financial certificates (property ownership certificate and insurance policy will help to increase the quota).
2. I took the above information to the corresponding CCB outlets.
3. Hold the ID card and queue up for the reservation number.
4. When making a phone call at the counter, you can go to the designated counter to handle credit card business (the window for handling credit cards is different from the comprehensive business window, so remember to read it clearly).
What do I need to get a credit card if I have a car?
If you have a car, you can apply for a credit card as your property, which will help you get a higher credit line. But you can't apply for a credit card only if you have a car. You must meet the following conditions:
The age is between 18 and 65;
Have a stable and lawful occupation and income;
Have a good credit record and the ability to repay credit cards on time;
Having full capacity for civil conduct and being able to bear corresponding legal responsibilities;
Have legal identification, such as personal identity card;
Can provide proof of property, such as bank deposit and copy of private car driving license.
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.
Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).
The main features of credit cards:
Credit card is one of the fastest-growing financial services, which can replace the traditional cash circulation to a certain extent.
Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;
Credit card is a high-tech product integrating financial business and computer technology.
Credit cards can reduce the use of cash and money;
Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;
Credit card can simplify the collection procedures and save social labor;
Credit cards can promote commodity sales and social needs.
Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank.
Driver's license office credit card application process
1, at least 18 years old, with certain economic ability and good credit record. 2. Go to the bank with my ID card, vehicle driving license and a copy. (You can choose Ping An Bank Owner Credit Card, ICBC Peony Express Card, China Construction Bank Longka Automobile Card, China Merchants Bank CarCard Automobile Credit Card, Agricultural Bank Anbang Owner Credit Card, Bank of Communications Automobile Email Credit Card, Industrial Bank Cheyou Credit Card, Huaxia Bank Changhang Credit Card, China Bank Automobile Credit Card and Guangfa Owner Credit Card). 3. Fill in the personal credit card application form and select the corresponding credit card type. 4. Waiting for the bank to review, approve, make and issue cards.
Bring my ID card and driving license to the lobby manager or account manager of the business office of China Construction Bank, and fill out the credit card application form of Longka automobile card. The limit is about 10% of the car price. At the bank, a staff member will prompt you to fill it out. After applying for a credit card, you can get it in about 20-30 days.
Credit card is a special carrier card issued by banks to individuals and units, which has consumer credit. It is in the form of a card with the name of the issuer, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back.
This is the end of the introduction on how to apply for a car credit card and how to apply for a credit card with the car. I wonder if you have found the information you need?