How to apply for a credit card
There are three main ways to apply for a credit card: 1. Go directly to the bank counter; 2. Apply in online banking; 3. The bank credit card salesman comes to the door to handle it. The corresponding processing methods for different processing channels are as follows:
1. Handling at the bank counter:
Users bring their identity documents to the bank that wants to apply for a credit card, and then directly tell the lobby manager of the bank that they need to apply for a credit card, and the lobby manager will give the user the corresponding form. After the user fills in the form as required, it will be handed over to the counter staff. After providing information according to the requirements of the counter staff, you can successfully apply for a credit card.
2. Online banking: Generally, banks have their own online banking. Users only need to visit the official website of the corresponding bank, then enter the credit card application page, select the credit card they want to apply for, and then apply for their own credit card after submitting the information as required.
3. Handling by a salesman:
Generally, we often encounter the situation that a salesman sells credit cards door-to-door, so we can also handle the credit card at the salesman's office, and the salesman will handle all the application materials for the user and submit them to the bank later.
after we apply for a credit card, the general bank will have a period of review. After the review is passed, the bank will notify the user by phone and mail the credit card according to the address filled in by the user.
generally, we can activate the credit card directly after receiving it. However, if many banks apply for credit cards through online banking, they need to go to the bank to activate them before they can use them.
In addition to credit cards, users in need can choose to borrow from some reliable online lending platforms. BAT's three major credit products are all "hard enough in the background", and they are all relatively reliable. Borrowing is the credit product of Ali Ant Financial, micro-loan is the credit product of Tencent Weizhong Bank, and the rich flower is the credit service brand of Baidu Finance.
how to apply for a personal credit card
the first way to apply for a credit card is to apply directly at the bank counter. If you apply in the bank, you must fill in the information directly. There are bank staff on site who can guide me to fill in the relevant information, which can avoid the problem that we are rejected because of the wrong information. At the same time, we can issue more qualification certificates and wealth certificates, which is conducive to improving our final credit card quota. However, it will be relatively slow to review the credit card at the bank counter, because you have to report the information from the branch to the credit card center, and then the card center will review your information. Another way is to apply for a card online: nowadays, we can apply for a credit card in official website, but this way of applying for a credit card online is that we have to fill in the information ourselves, which is more likely to lead to the problem of wrong information filling, and thus it will be rejected. But online processing is mainly convenient without going out, as long as a mobile phone or a computer can apply for it. There is also a way to handle credit cards: through the bank's credit card salesman to handle credit cards. We can often see these bankers setting up stalls to sell credit cards in shopping malls or other shops. This way of handling cards is to receive prizes, but because they are all business personnel, the main purpose is to obtain performance, so we still have to weigh carefully some things that guarantee a high amount and ensure the issuance of cards, and we should not trust them too much. The process of handling a credit card 1. Prepare the application materials. 2. After the materials are ready, you can apply to the bank or make an appointment online. 3. Then wait for the bank's approval. During the approval process, the bank will call the applicant to verify the information. 4. After the approval, the bank will mail the card to the applicant, and get the card about 3 weeks after successfully submitting the information. "Legal basis: As a civil act, credit card business has been stipulated in principle by the General Principles of Civil Law, Contract Law, Criminal Law, People's Bank of China Law and Commercial Bank Law. In Chapter 5 of the Law of China People's Bank, the People's Bank of China examines and approves the establishment, alteration, termination and business scope of financial institutions according to regulations. Article 3 of "Commercial Bank Law" has 13 items in the business scope, and the credit education business belongs to other businesses approved by the People's Bank of China in Item 13. Violation of laws and regulations is invalid, and it is subject to corresponding criminal responsibility.
How to handle a personal credit card in five steps
Credit cards are divided into corporate cards and personal cards according to the different issuers, among which personal credit cards are the types of cards that are applied for in the name of individuals and bear all the responsibilities for using the cards. Many users who have not applied for a credit card may not know much about how to apply for a personal credit card. Let's talk about it in detail.
The credit card processing process is generally divided into five steps:
1. Apply. The application method of personal credit card is generally to fill in the credit card application form and submit certain relevant materials to the bank as required. Relevant information is mainly the guarantee of a fixed occupation and a stable income source (the forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee). For example, if you are an employee working in a public institution, you need to prepare the income certificate and personal assets certificate issued by the leader to show your repayment ability;
2. Review. Review is the most important link in the process of personal credit card processing. After receiving the forms and materials submitted by the applicant, the issuing bank will conduct various inspections to judge whether to issue cards. The main factors considered are the applicant's past credit record, the applicant's known assets, professional characteristics and so on. The more detailed these materials are, the stronger your repayment ability is, and the more willing banks are to handle personal credit cards for you.
3. Open the card. Mainly check the applicant's procedures by telephone or internet;
4. authorization. The merchant and the bank confirm the validity of the credit card and further confirm the amount that the cardholder can use;
5. Use. After the personal credit card is authorized, you can use it for consumption.
after reading these, do you feel that the question about how to handle personal credit cards has been solved? I suggest that you open a card, or friends who are willing to open a card, try to provide more comprehensive and detailed information when you do it, and you can sort out and polish the information a little. In this way, the bank may increase your credit card limit to better meet your consumption needs. Click on the credit card application channel to quickly open a personal credit card.
how to handle the credit card?
credit card processing methods are as follows:
1. Prepare materials. When you go to the bank to apply for a credit card, you must first prepare the corresponding processing materials, which generally include the original ID card, work certificate, income certificate, etc.
2. Go to the bank to get the number. After you have prepared the information, you need to choose a favorite bank outlet and go to the bank self-service number machine to get the number during working hours, ready to handle the business.
3. fill in the card processing information. Generally, after taking the number, you can ask the bank lobby manager how to fill in the information, and fill in the information according to the tips of the staff and the template provided by the bank. The required information is accurate and cannot be erased.
4. submit information. Fill in the corresponding information and wait until the bank counter calls. After you get the number, go to the counter and submit the information needed to apply for the card, waiting for the bank to review it.
5. Anti-audit. After receiving your review information, the counter staff will review the information according to the corresponding regulations of the bank to see if it meets the conditions for handling credit cards. If there is, it will pass the audit. If you can't do it, it will tell you why you can't.
6. Card issuing is activated. If the bank has already issued a card, the bank counter staff will send it to you in time and help you activate it. Since then, your credit card has been successfully processed.
Extended information:
1. Advantages and disadvantages of applying for a credit card:
(a) Benefits of a credit card:
1. You can enjoy an interest-free period of 2-56 days without deposit.
2. When shopping, you will get points as a gift.
3. Special merchants who hold cards in banks can enjoy preferential treatment.
4. accumulate personal credit, and credit records can be added to credit files.
5. You can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo.
6. Some credit cards accept existing points.
7. Mail the statement free of charge every month.
8. supplementary card function, which can manage money together and master children's financial expenditure.
9. In the form of one card and two currencies, domestic RMB can be used for repayment when spending abroad.
the p>1-hour and 24-hour service hotline will take effect immediately if the loss is reported.
11. Cooperate with third-party platforms to provide preferential services for cardholders.
(2) Disadvantages of credit cards:
1. Credit cards can easily lead to excessive consumption.
2. The annual interest rate of credit card is higher.
3. Credit card debt will bring mental stress.
4. If the credit is bad, the cost of borrowing money will be higher, or even you can't borrow money.
how to apply for a credit card?
credit card processing methods are as follows:
1. Prepare materials. When you go to the bank to apply for a credit card, you must first prepare the corresponding processing materials, which generally include the original ID card, work certificate, income certificate, etc.
2. Go to the bank to get the number. After you have prepared the information, you need to choose a favorite bank outlet and go to the bank self-service number machine to get the number during working hours, ready to handle the business.
3. fill in the card processing information. Generally, after taking the number, you can ask the bank lobby manager how to fill in the information, and fill in the information according to the tips of the staff and the template provided by the bank. The required information is accurate and cannot be erased.
4. submit information. Fill in the corresponding information and wait until the bank counter calls. After you get the number, go to the counter and submit the information needed to apply for the card, waiting for the bank to review it.
5. Anti-audit. After receiving your review information, the counter staff will review the information according to the corresponding regulations of the bank to see if it meets the conditions for handling credit cards. If there is, it will pass the audit. If you can't do it, it will tell you why you can't.
6. Card issuing is activated. If the bank has already issued a card, the bank counter staff will send it to you in time and help you activate it. Since then, your credit card has been successfully processed.
Extended information:
1. Advantages and disadvantages of applying for a credit card:
(a) Benefits of a credit card:
1. You can enjoy an interest-free period of 2-56 days without deposit.
2. When shopping, you will get points as a gift.
3. Special merchants who hold cards in banks can enjoy preferential treatment.
4. accumulate personal credit, and credit records can be added to credit files.
5. You can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo.
6. Some credit cards accept existing points.
7. Mail the statement free of charge every month.
8. supplementary card function, which can manage money together and master children's financial expenditure.
9. In the form of one card and two currencies, domestic RMB can be used for repayment when spending abroad.
the p>1-hour and 24-hour service hotline will take effect immediately if the loss is reported.
11. Cooperate with third-party platforms to provide preferential services for cardholders.
(2) Disadvantages of credit cards:
1. Credit cards can easily lead to excessive consumption.
2. The annual interest rate of credit card is higher.
3. Credit card debt will bring mental stress.
4. If the credit is bad, the cost of borrowing money will be higher, or even you can't borrow money.
This is the end of the introduction on how to apply for a credit card by yourself and how to do it. Did you find the information you need?