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In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in Chinese mainland) and have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, a legal person can also be an applicant
The object of applying for a credit card can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China. Each unit can get a main card and several (5-1) supplementary cards when applying for a credit card.
to apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
generally, the application method is to fill in a credit card application form, and the contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant. And submit certain copies of certificates and certificates to the issuing bank.
after the customer truthfully fills in the application form, he/she should submit the completed application form as well as the relevant credit certificate. The application form is accompanied by a contract for using a credit card. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, submit a statement on the authenticity of the information, the privacy protection policy of the issuing bank, etc., and must have the applicant's autograph.
because the credit card application is sent by post after it is approved, there is no guarantee that the recipient is the applicant. In order to protect the applicant and the bank from theft, the credit card has a card opening program before it is officially opened.
Card opening is mainly to check the relevant personal information provided at the time of application by telephone or online, and then complete the card opening procedure. At this time, the applicant becomes the card holder, and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card.
merchants and banks confirm that the credit card is valid, and contact the bank according to the contract signed with the issuing bank to request authorization. Authorization is the amount that can be used to further prove the identity of the cardholder. Authorization is generally carried out when the use amount stipulated in the contract is exceeded.
after receiving the authorization notice, the card-issuing bank will issue an authorization instruction according to the balance of the cardholder's deposit account and the agreement that the bank allows overdraft, and reply whether to agree to the transaction.