Weishang Bank provides credit card users with a time-limited service. As long as you repay at 18:00 on the third day of the final payment date and successfully deposit it into your credit card, it will be deemed to have been repaid on time. Exceeding the deadline may affect your credit score. Credit reporting is quite important to us. It is best for everyone to repay on time and not to be overdue, otherwise the consequences will be serious.

The application conditions for Huishang Bank credit card are: Any natural person who is over 18 years old and has full civil capacity and repayment ability, including foreigners who have lived in the country for a long time and compatriots from Hong Kong, Macao and Taiwan, can present their valid identity To apply for a main personal card with certificates and relevant supporting documents, you can also apply for several supplementary cards for other natural persons with full capacity for civil conduct or natural persons with limited capacity for civil conduct (must obtain permission from their legal representatives). The main cardholder can apply to cancel the supplementary card at any time.

Information required for application:

1. Valid identity document: copy of ID card (military personnel must provide officer certificate);

2. Work unit salary Proof: It can be a salary certificate issued by the applicant’s workplace (need to be stamped with the financial seal or official seal of the company), a copy of the work permit or a copy of the work badge with a photo of the applicant, a business card, etc.;

3. Proof of financial resources (this will help to get approved for a higher credit limit): copies of self-owned real estate certification documents, original and duplicate copies of motor vehicle driving certificates, copies of bank fixed-term deposit certificates (folded), etc.

Bank of China credit cards generally take 18-25 working days to issue.

Credit card application process:

1. Applicants can choose to apply online, contact the credit card salesperson to apply at home, or apply directly at the counter to apply for a credit card from the credit card opening bank;

2. The staff of the credit card opening bank will review and return the phone number in the application materials to verify whether the application materials are true. Misunderstandings in the information will directly lead to application failure;

3. Application After the person passes the credit card review, he will receive a text message notification from the account opening bank and just wait for the card to be mailed;

4. After receiving the card, apply for activation. You can activate according to the activation method in the envelope. Generally, there is a manual call service. Activation, text message activation, counter activation and other methods can be decided according to your own convenience;

5. After activation, you can use the credit card normally, and pay attention to the monthly repayment date and repayment amount of the credit card.

You can cancel a credit card in the following ways:

1. Cancel the card by phone. Many banks’ credit cards can be canceled by just making a phone call. First, you must confirm the balance in your account before canceling the credit card. There is no debt owed, and there should be no balance. Then call the credit card customer service number to be transferred to manual service, and apply directly to the manual customer service to cancel the credit card.