If you apply for a credit card, there is a door-to-door way. The application method is generally to fill 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. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph. The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. 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. Baidu encyclopedia-credit card

Is it true that China Merchants Bank handles credit cards at home?

Under normal circumstances, China Merchants Bank needs to make an appointment after filling in the information in official website. Generally, a card clerk will get in touch with the applicant within 2~3 working days after making an appointment, and make an appointment to go to the card office instead of going to the residence address.

If you don't have an appointment, a card clerk will come to your door, although it may not be fake. After all, you don't have an appointment, but it may be made by other colleagues. You can also handle it by the way. Don't forget to verify the true identity of the card clerk before handling the card.

China Merchants Bank (1987) was established in Shekou, Shenzhen. It is the first joint-stock commercial bank wholly owned by an enterprise as a legal person in China and the first pilot bank to promote banking reform from outside the system.

Credit card application conditions of China Merchants Bank

(1) China residents, foreigners living in China, compatriots from Hong Kong, Macao and Taiwan have reached the age of 18, have full capacity for civil conduct, and have good credit standing. They can apply for personal credit card master cards with their valid identity documents. Personal cardholders can also apply for supplementary cards for other natural persons with full civil capacity or natural persons with limited civil capacity. The main cardholder can apply for cancellation of the supplementary card at any time.

(2) Enterprises, administrative institutions, social organizations and other economic organizations authorized by legal persons who open basic deposit account in domestic financial institutions can apply for business cards from card issuers with supporting documents such as the basic deposit account account opening permit issued by the People's Bank of China (foreign exchange settlement accounts are also required to apply for international business cards). The qualification of the cardholder of the unit card shall be designated and revoked in writing by the legal representative of the unit or its authorized person. The applicant shall bear all debts arising from the unit card.

(3) When applying for a credit card for the first time, the applicant shall fill in the credit card application form correctly, completely and truthfully, and submit the relevant supporting documents required by the card issuer, and agree that the card issuer may inquire about the credit status of the applicant from any relevant department, unit or individual, and keep and use the relevant materials.

(4) According to the credit status of the applicant, the card issuing institution decides whether to issue the card, whether to require the applicant to provide the guarantee and the guarantee method, and determines the way and type of obtaining the card, the credit line granted to the applicant, etc. Failed application materials will not be returned.

(5) The ways for the applicant to provide guarantee include: guarantee, mortgage and pledge. A corresponding guarantee contract shall be signed separately for the guarantee. The scope of guarantee covers all debts incurred under the cardholder's credit card (including but not limited to the principal and interest, over-limit fees, late fees and recourse fees for overdrafts within and outside the credit line).

(6) After receiving the credit card, the cardholder shall immediately sign the same signature as the credit card application form in the signature column on the back of the credit card, and use the same signature when using the credit card, otherwise the cardholder shall be responsible for the losses arising therefrom. Card issuers also provide cardholders with inquiry passwords and transaction passwords (that is, cash advance passwords and credit card consumption passwords) through designated channels.

Is it true that China Merchants Bank handles credit cards at home? Do this well and avoid being fooled.

For many card friends, it is undoubtedly the best to go to the door to handle the card, which can save the time of bank face-to-face signing and can be activated directly after getting the card. There are not many banks offering door-to-door cards, but China Merchants Bank is one. Some friends don't trust the door-to-door card, so you can use some skills to distinguish between true and false.

Is it true that China Merchants Bank handles credit cards at home?

Under normal circumstances, China Merchants Bank needs to make an appointment after filling in the information in official website. Generally, a card clerk will get in touch with the applicant within 2~3 working days after making an appointment, and make an appointment to go to the card office instead of going to the residence address.

If you don't have an appointment, a card clerk will come to your door, although it may not be fake. After all, you don't have an appointment, but it may be made by other colleagues. You can also handle it by the way. Don't forget to verify the true identity of the card clerk before handling the card.

For example, you can ask the card clerk to show your badge, check the information on the badge and see if the photo above is me, or call the credit card service hotline of China Merchants Bank to provide the employee number of the card clerk, so that the customer service can verify the identity. If the identity is confirmed correctly, you can apply for a card.

Keep an eye on it when you apply for a card, only sign and stamp the contents you fill in, and don't let the card clerk take photos with his ID card alone, because usually the cardholder will take photos with his ID card. And a copy of the ID card provided. It is best to mark "This ID card is only applicable to credit cards and cannot be used for other purposes".

In short, whether it is true or not that China Merchants Bank handles credit cards at home, we must verify the ID card of the cardholder before handling it, which is also the best protection measure for our personal information.

Does the online credit card application salesman of China Merchants Bank have to go to the door to handle it?

China merchants bank credit card completes online application for credit card. After the preliminary examination is passed, someone will contact you to collect the application materials at home.

Applying for a credit card online is the most convenient and quick way, but the credit card is an important financial payment tool. Applicants should really pay attention to the information security in the process of credit card application, so they must apply for credit cards through formal channels. It is most recommended to apply for a credit card online in official website.

You can also apply for a credit card at any business outlet of China Merchants Bank with the application materials.

In some large shopping malls or subway stations, there are credit card outlets of China Merchants Bank, and you can also apply for cards at outlets.

Extended data

China Merchants Bank has a variety of dual-currency credit card products, such as Ctrip Travel Credit Card and Air China Companion Credit Card. Dual-currency credit cards must have the logo of UnionPay and the logo of international credit card organizations (VISA, MasterCard, JCB, American Express, etc.). Please remember to choose a credit card with both the UnionPay logo and the logo of the International Credit Card Organization during the application process, which is a dual-currency credit card.

For high-value credit cards, you can apply for the Platinum Credit Card of China Merchants Bank.

After completing the online application, you need to prepare sufficient economic proof materials. Proof of financial resources can be salary records issued by banks, or income tax withholding certificates (tax payment certificates), or market value certificates of houses, cars, deposits and investments. Can prove your economic level. The real estate license must have the name of the person or spouse and the relationship certificate; My name must be on the car registration card.