How to apply for a mobile phone credit card

There are several ways to apply for a mobile phone credit card.

1. Apply for a credit card on the mobile phone webpage

Search the official website of the credit card you want to apply for directly on the mobile phone browser. After entering the website, click on the application page about the credit card, select the card type to apply for, read and agree with the relevant regulations, fill in the relevant information on the application page, and then submit it.

2. Bank mobile phone client APPlication

This is the most direct and safest way to apply for a card. Just download the mobile phone app of a bank, then find the relevant processing window in the application, and then follow the process step by step. However, this method can only view the credit card information related to a single bank and cannot be compared with other banks, which makes many cardholders who don't know what kind of credit card to apply for still unable to start.

3. Applying for a credit card by WeChat

WeChat is not only a social tool, but also meets people's needs for shopping, reading and financial management, and can also apply for a credit card. Almost every bank has set up WeChat public platform, which can provide customers with "one-stop" services such as credit card application, progress inquiry, credit card activation, bill inquiry, etc. Customers can apply for a credit card as long as they pay attention to the issuing bank of the credit card they want to apply for, and after binding the credit card to WeChat, they can query the relevant information of the credit card with one click, which is very convenient and fast.

4, mobile QQ card

First, log in to mobile QQ, and then click on the personal portrait in the upper left corner and select the "QQ wallet" option; Secondly, click on "wallet account" in the lower left corner of "QQ wallet", and you will see our wallet account balance and other information. At the bottom, there is "Apply for a credit card", and just follow the prompts.

5. Other third-party applications

How to apply for a credit card on a mobile phone

Take China Merchants Bank's mobile banking application for China Merchants Bank's credit card as an example. China Merchants Bank's mobile banking can be downloaded and used free of charge in major mobile app stores. The specific application methods are as follows:

1. After opening the mobile phone and entering China Merchants Bank's mobile banking, find the item "Credit Card" and click Enter.

2. After entering the credit card, find the item "Apply for a card" and click Enter.

3. after applying for a credit card, enter all the information according to the system requirements.

iv. after the information is completely entered, click submit to complete the whole process of China merchants bank's credit card application.

How to apply for a credit card on a mobile phone

The channels for applying for a credit card on a mobile phone include mobile banking and third-party platforms. Taking mobile banking as an example, the general application steps are as follows:

1. Open the mobile banking and log in to your personal account;

2. Click "Apply for Credit Card" to enter the interface;

3. Find and click "Apply for Card";

4. Enter information such as name, ID number, mobile phone number, unit location, education, position, etc.

5. Check "I have read and understood the Articles of Association of xx Credit Card, xx Credit Card Collection Contract and related information of this bank card, and I am willing to abide by all the rules", and then click "Get Verification Code";

6. after entering the SMS verification code, click "submit" and wait for approval.

The steps of applying for a credit card by mobile banking in different banks may be slightly different. Pay attention to the page prompts when applying.

what are the requirements for applying for a credit card?

At present, there are many credit card issuing institutions in various banks. According to different customer groups, the emphasis on personal credit requirements is different, and the specific requirements are different, but some basic conditions are the same:

1. The age is between 18 and 65;

2. Have a stable occupation and income;

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

4. Natural persons with full capacity for civil conduct (robots, vegetarians, minors, and a certain degree of mental illness are not allowed).

If you have not met the requirements for applying for an ordinary credit card, you can apply for a supplementary card through your parents and spouse. To apply for a supplementary card, you must meet the following conditions:

1. A natural person with full or limited capacity for civil conduct

2. An applicant who has reached the age of 13

3. An applicant who has not reached the age of 16 must provide a copy of his household registration book when applying.

It is worth noting that not everyone can apply for some cards, which have some special requirements for cardholders. For example, the Magic Credit Card of CITIC Bank can only be applied by women

b, and the relevant credit certificates that the applicant needs to provide:

First, all kinds of asset certificates should be fully prepared. Generally speaking, if you already have one or more credit cards and have a good repayment record, you generally don't need to provide proof of income or assets, just copy the credit cards you already have and send them with the application form (even if the credit card you have is not the card of the bank you are applying for, because all banks can check your credit status through the personal credit information system of the central bank, and good consumer credit and repayment credit are the most important for banks).

If you are applying for a credit card for the first time, the bank will decide whether to grant you a card and the size of the credit line mainly depending on your income and assets, because you have no consumer credit record. Generally speaking, if you apply for a credit card for the first time, the amount will not be too high unless you can provide sufficient proof of assets, such as proof of income, proof of house ownership, proof of mortgage purchase, proof of automobile ownership, bank deposit certificate or securities certificate. Of course, in addition to the asset certificate, other certificates that can prove your personal ability will also help you get a high credit card, such as academic certificate, technical grade certificate and other qualification certificates.

second, fill in the application form carefully. Generally speaking, the following aspects on the application form will affect the bank's credit evaluation score (the higher the credit score, the higher the probability of obtaining credit card approval and the higher the amount): 1. Whether there is a fixed telephone number in this city (having a fixed telephone number in this city means that your place of residence is stable, which will increase the bank's credit evaluation score for you); 2. Whether or not to get married (the score of married is higher than that of unmarried); 3. Whether it is a local hukou (the score of local hukou is higher than that of foreign hukou); 4. Whether there is a house (owning a house is higher than not having a house, and living by oneself is higher than living with parents); 5. Education level (the higher the education level, the higher the score); 6. The nature of the work unit (the more stable and well-known the work unit, the higher the score. For example, institutions, large state-owned enterprises and the world's top 5 enterprises all scored higher, while unknown private enterprises and small foreign enterprises scored lower); 7. Job description (The higher the job, the higher the score. For example, civil servants and company managers score higher than ordinary employees).

how to handle the mobile credit card (debit card)? How to use it?

The processing conditions of mobile credit cards (debit cards) in different banks are different. Take China Construction Bank as an example:

Mobile credit cards (credit cards) in China Construction Bank require users to have debit card accounts with online banking in China Construction Bank.

1. Users can call the customer service phone of China Construction Bank to apply for a mobile credit card (debit card).

2. Users can download the CCB APP or pay attention to the application for the official WeChat official account operation of CCB.

3. You can log on to the official website of China Construction Bank to run the examination and approval.

Mobile credit card (debit card) is an electronic virtual card. When using it, you can bind the card number to third-party trading software such as WeChat or Alipay to run online transactions. Take the mobile credit card (credit card) of Bank of Communications as an example. The specific use process is as follows:

1. Download and log in to the "Pay the bill" APP, and click "Credit card (credit card)".

2. find the card management and click "mobile credit card (debit card)".

3. You can see the software that supports binding credit cards (debit cards) for operation and consumption, and the card number.

4. enter the card number into "add bank card" in wechat or AliPay to run the third-party transaction software binding.

5. Choose a credit card (debit card) to pay when spending.

This is the end of the introduction about how to handle mobile credit cards and how to handle physical cards with mobile credit cards. Did you find the information you need?