The process of handling a credit card is as follows:
1. Fill in a credit card application form at the bank and submit personal certificates and other application materials. The application form should include all information such as income and position.
second, wait for bank approval. In the credit card review stage, users can go to the bank official website to check the progress of credit card application.
3. After the approval of the bank, the credit card will be sent to you by express delivery. If the audit fails, you will also receive information sent by the bank.
When using a credit card, you should pay attention to the following points:
First, after applying for a credit card and getting it, you should sign your name on the back of the credit card in time. This signature can be used to check the signature of the cardholder when swiping the card, which is very important for the safe use of the card.
second, the main function of credit card is overdraft consumption, but the cardholder must repay the loan in time, and it must not be overdue. Otherwise, it will not only affect the personal credit report, but also affect the car purchase and even the difficulty in finding a job.
Third, the transaction date, posting date and billing date of the credit card should be kept in mind. These are all factors that affect the repayment time. In order to prevent overdue, these important dates must be kept in mind, especially the repayment date.
fourth, the payment password and security code of the credit card should also be kept well.
Requirements for handling a credit card:
1. A citizen who is over 18 years old and has civil capacity.
second, a stable income is required, and proof of income is provided to prove the repayment ability, and second, it is used for reference in setting the credit card limit. If you have successfully applied for a credit card, you can apply for a card with a card.
third, personal credit information should be good, and there is no bad record.
iv. other conditions stipulated by the bank.
materials needed to apply for a credit card:
1. credit card application form.
second, a copy of the identity certificate.
3. Work certificate: a copy of work certificate or work permit stamped with the official seal of the unit.
iv. financial proof documents: the original income certificate issued by the unit, or the original bank deposit certificate, or a copy of the payroll record issued by the bank showing the name of the applicant, or a copy of the income tax withholding certificate, or a copy of the self-owned real estate license.
after the above materials are provided completely, according to the principle of examination and approval, as long as the user meets the requirements, the card can be received in about 15 to 25 days.