in order to facilitate the identification of all links in the whole network, the registered letters for about-investment are double-bagged, and besides the general bag card for registered letters, the special identification bag cards for about-investment registration are tied separately, and corresponding signs are added to the envelopes. The service object is the agreement customers who have been approved by the postal service bureau of the group company and delivered letters in batches in the bulk mail receiving and sending processing center of the local municipal bureau, and this service is not provided to window retail investors. The first batch focuses on bank credit card centers or social business card printing companies.
credit card application method
application
In most cases, citizens with full capacity for civil conduct (citizens over 18 years old in Chinese mainland) and a certain direct financial source can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
people who apply for credit cards 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. 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.
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 fills in the application form truthfully, he should submit the completed application form and 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. [9]
Review
After receiving the application form and relevant materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the review mainly include whether the contents of the application form are true or not, evaluating the credit degree of the applicant, and reviewing the relevant information of the guarantor for the individual.
usually, the bank will examine the applicant's various information and economic situation according to the application materials to judge whether to issue a credit card to the applicant. The factors considered are the applicant's past credit history, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. The standards of different card-issuing banks are also different. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.
card issuing
after the applicant successfully applies for a credit card, the card issuing bank will open a separate credit card account for the cardholder at the card issuing bank for shopping, consumption and settlement after cash withdrawal.
card opening
because the card is sent by post after the credit card application 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 through telephone or internet, etc., to check the relevant personal information provided at the time of application, and complete the card opening procedure after it meets the requirements. 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.
after accepting a credit card, a credit card merchant or bank should review the validity of the credit card and the identity of the cardholder.
Identify
The card face of a credit card has at least the following information:
Front: name and logo of the issuing bank, credit card type (organization logo) and holographic anti-counterfeiting mark, card number, English or pinyin name, activation date (generally calculated to month) and effective date (generally calculated to month). The chip account and card magnetic stripe account are two relatively independent accounts.
back: the magnetic stripe of the card, the cardholder's signature column (which must be signed after activation), the service hotline, the last four digits of the card number or all the card numbers (to prevent fraudulent use), and the credit card security code (the three digits immediately after the last four digits on the signature column on the back of the credit card are used for credit card activation, password management, TV, telephone and online transactions, etc.).
authorize
the merchant and the bank to confirm the validity of the credit card 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 of the bank to allow overdraft, and reply whether to agree to the transaction.
the use of
credit cards is usually limited to the cardholder's own use, and lending them to others is generally a violation of the use contract.