The application method is generally by filling 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.
Extended data:
The procedures for active military officers and professional soldiers to apply for credit cards are similar to those of ordinary people. They need to bring the following materials to the bank outlets or apply online.
1. ID card: copy of resident ID card or temporary resident ID card (double-sided, valid), or copy of military officer's ID card;
2. proof of residence: (you can choose any of the following) a copy of the household registration card (book); The last three bills for water, electricity and gas; The last three bills of fixed telephone; Certificate of collective dormitory issued by the unit; Housing lease contract (agreement); Proof of own property.
Proof of payment of residential property management fees, proof of address issued by the street, monthly statements of the last two credit cards or personal income tax payment certificates of the last three months, and other supporting materials that can prove that they have a fixed residence address.
3. Proof of financial resources: (you can choose any of the following) official payroll or income certificate issued by government agencies and enterprises in the last three months (company seal or department seal is required).
Copy of bank payroll passbook/bill (showing the information of salary entry in the last three months), copy of personal income tax payment certificate in the last three months, and copy of social insurance withholding certificate.
Copy of proof of own property; Copy of bank deposit slip/passbook, copy of purchase certificate of funds, government bonds and corporate bonds (name, account number and account balance of the purchaser shall be indicated), and copy of membership card. If you are a conscript, you can only go to your place of residence after leaving the army.
According to the Notice on Issuing the Measures for the Administration of Credit Card Business:
Article 18 The longest overdraft period of a credit card is 60 days.
Article 19 Credit card overdraft interest shall be charged at the rate of five ten thousandths of daily interest within 15 days from the date of signing the contract or the date of bank entry, and at the rate of five ten thousandths of daily interest after 15 days, and at the rate of fifteen thousandths of daily interest after 30 days or when the overdraft amount exceeds the prescribed limit. The overdraft interest is not divided into sections, and the interest is calculated according to the highest interest rate grade or the highest overdraft amount.
Article 20 The overdraft business of each card-issuing bank shall be managed according to its credit scale. Overdraft is transferred to short-term loan accounting.
Article 21 Malicious overdraft refers to the overdraft behavior of the cardholder for the purpose of illegal possession, which exceeds the prescribed limit or time limit and is invalid after being collected by the issuing bank.
Twenty-second special units shall not refuse to accept valid credit cards legally held by cardholders and issued by contracted banks for any reason, and shall not charge cardholders extra fees for using credit cards.
Twenty-third special units shall not pay cash to cardholders by pressing cards, signing bills, returning goods, etc.
Article 24 Commercial banks shall charge credit card transaction fees to special units according to the following standards:
(a) RMB credit card, not less than 2% of the transaction amount;
(2) Credit cards issued by overseas institutions and used in China shall not be less than 4% of the transaction amount.
Domestic banks sign credit card agency acquiring agreements with overseas institutions, and the profit distribution ratio is implemented according to the fact that domestic banks and overseas institutions account for 37.5% and 62.5% of the handling fees paid by special units respectively.
Article 25 The business rules of foreign currency credit cards shall be formulated separately.
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