Is it reliable to apply for a credit card online?

It is safer to apply for a credit card online. Compared with ordinary bank counters and agent booths, online card application is more convenient, faster and faster. It is fast, user-selective and can apply 24 hours a day. Welcomed by many friends.

However, there are certain limitations to applying for a credit card online. For example: 1. The quota is generally low. When applying for a credit card online, users usually fill in the information themselves. Without the guidance of bank staff, the information is often incomplete. And there is less information submitted online. This will have a certain impact on the credit card limit. Therefore, credit card limits applied online are generally lower.

2. Little relevant information is known. Although when applying online, the relevant introduction to credit cards is relatively comprehensive. However, during the actual application process, few people read it carefully. Therefore, I don’t know much about the usage of some credit cards. When applying in a bank, users can listen to detailed introductions from bank staff.

3. The probability of playing cards is small. Compared with bank counters and agent booths, the probability of applying for a credit card online is smaller. In order to complete their tasks, bank counters and mobile stalls will try their best to help applicants apply for cards and provide guidance when applicants fill in information. When applying for a credit card online, it mainly depends on the user's qualifications.

If you have a credit card debt and cannot pay it back, you can refer to the following methods:

Use the minimum repayment function

Each bank will have a minimum repayment amount Function, as long as you pay the minimum repayment amount, the bank will not charge late fees, nor will it affect your personal credit. Generally speaking, the minimum repayment amount is 10% of the total bill amount. For example, if you spent 10,000 yuan on your bill this month, The minimum repayment is only 1000010%=1000 yuan.

However, interest will be charged for repaying the minimum, which is 50% of the interest per day. Therefore, you only need to repay the minimum. Although the pressure will be reduced, compound interest will occur, which will be relatively troublesome, and you can only For temporary delay.

Use the installment function

If you are under repayment pressure, you can directly apply for bill installment. Generally, banks provide 3, 6, 9, 12, 18, and 24 installments. , you can choose the number of installments according to your repayment ability, which can alleviate the repayment pressure and will not affect your credit;

The disadvantage is that there will be handling fees, which vary from bank to bank, but generally Between 0.6%-0.8%.

Change the bill date to extend the repayment period

This is also what others call the 100-day interest-free period. Here is an example:

Mr. Li spent 10,000 yuan on his credit card due to demand, but he found that he could not pay it back at once, and he did not want to pay the minimum or installment, so he could first extend the time for the bill to be issued by changing the bill date to extend the repayment time. , assuming that his 1W will be billed on May 29, then Mr. Li can call the bank on May 28 to apply to change the billing date, which can be changed to 25 to 27, then there will be no bill in May. , this 1W will be billed from the 25th to the 27th of June, plus about 20 days of interest-free repayment period, this amount only needs to be repaid around the 18th of July; if that time If you still can't pay it back, you can still use the two methods mentioned above.

Note: The billing time cannot be changed casually. Generally speaking, it can be changed once every six months. Some banks change it once a year, and some banks can only change it once.

Repay by applying for a card or raising the limit

If you can apply for a card or raise the limit, you can also use the card to replace the card, but this method must be used well, otherwise The outcome is still the same, so the solution is to understand and be familiar with several functions of credit cards, and then implement these basic functions.

Proactively explain the situation to the bank for negotiation

If you are unable to repay for a period of time due to special circumstances such as work, you can proactively call the bank to explain the reason and prove that you are not refusing to repay maliciously. There is indeed a reason. Discuss whether you can delay the repayment. Never change your phone number and ignore the bank. This will destroy your personal credit unless you will never deal with the bank again.

Is it safe to apply for a credit card online?

Is it safe to apply for a credit card online?

There are real and fake applications for online credit cards. If you apply for a credit card on a regular website, then It is relatively safe. Generally, you have to go to the bank's official website to apply to be guaranteed.

The main ways to apply for a credit card are as follows: 1. Apply at a bank branch; 2. Apply on the bank’s official website; 3. You can also apply with a bank credit card clerk or come to your door; 4. WeChat or Alipay and other formal methods You can also apply on the website.

Online credit card application process:

Log in to the relevant bank’s online banking.

Click "Credit Card Application" or "Credit Card Online Application" (depending on each bank's online banking instructions).

Select the bank credit card you want to apply for. You need to select the province and city where you want to apply for the card and the brand, features, media, grade, currency and other information of the product you are applying for. Query and retrieve the required application product and click Apply .

Fill in personal information so that the application can be approved.

Submit your credit card online application and wait for the approval result.

Some bank credit card online applications support the application business of main card and additional card (including supplementary card). The following will introduce to you the support of main card and additional card business.

Credit card online application supports primary card and secondary card business. The information to be filled in includes: primary card application information, secondary card application information, contact information and application information for simultaneous customized services. The main card (secondary card) application information includes: personal information, professional information, etc.

For those who apply for the primary and secondary cards at the same time or only the secondary card, in principle, the primary card applicant and the secondary card applicant must present their respective valid identity documents to the card collection outlet to go through the card collection procedures. To receive a card, the main card applicant can only handle the card collection procedures for his or her own card; the supplementary card applicant cannot handle the card collection procedures independently without applying for the main card.

If the card is not collected for more than six months after the card was issued, it will be deemed that the customer has given up on applying for a credit card.

After the card is successfully processed, a card collection notification text message will be sent to the applicant. Customers who apply online through a credit card must go to the nearest card collection outlet of their choice with a valid ID to complete signature confirmation, card collection, card activation and other related services at one time.

Is it reliable to apply for a credit card online? Is it safe?

It is relatively safe to apply for a credit card online.

Application

In most cases, citizens with full capacity for civil conduct (citizens over 18 years old in mainland China) and with certain direct financial resources can apply to the card-issuing bank. Apply for a credit card. Sometimes, legal persons can also be applicants.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country.

Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank.

After the customer fills in the application form truthfully, he or she must also submit relevant credit certificates while submitting the completed application form.

The application form is accompanied by a credit card use contract. The applicant authorizes the card issuer or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card issuer's privacy protection policy, etc., and must have an application. A person's autograph.

Card opening

Since the card is sent by mail after the credit card application is approved, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from fraud losses, the credit card has set up a card opening procedure before it is officially launched.

Card opening is mainly done by phone or online. The relevant personal information provided during the application is checked. Once the card is met, the card opening process is completed. At this point, the applicant becomes the card holder and can officially start using it after signing on the back of the card.

After opening a credit card, you generally need to set up a password for the card.

After accepting a credit card, a credit card merchant or bank must review the validity of the credit card and the identity of the cardholder.

Is it reliable to apply for a credit card online?

It is safer to apply for a credit card online. Compared with ordinary bank counters and agent booths, online card application has the advantages of convenience, speed, and convenience. It is fast, user-selective and can apply 24 hours a day.

Extended information:

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.

It is in the form of a card with the issuing bank name, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back.

Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with the merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards as stipulated in the relevant laws of our country refer to electronic payment cards issued by commercial banks or other financial institutions that have all or part of the functions of consumer payment, credit loans, transfer settlement, cash deposits and withdrawals, etc.

On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit.

The credit card generally refers to a credit card.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).

The main features of credit cards:

①Credit cards are one of the fastest growing financial services today. They are an electronic currency that can replace traditional cash circulation within a certain range;

②Credit cards have both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using credit cards;

③Credit cards are high-tech products that integrate financial services and computer technology.

④Credit cards can reduce the use of cash;

⑤Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;

⑥Credit cards can simplify collection payment procedures, saving social labor;

⑦Credit cards can promote product sales and ++social needs.

Is it safe to apply for a credit card online?

It is very safe to apply for a credit card online, but it is best to choose the official website when applying, so as to ensure that personal information will not be leaked. The official website can also save time when applying for a credit card. At the same time, users can fill in the information in detail and have enough time to check.

When you apply for a credit card online, you can also learn about the benefits included in different credit cards and which benefits you use the most. You can also learn about the basic information of the card, such as annual fees, cash withdrawal ratios, points validity period, etc. However, the limit for applying for a card online is generally not very high.

Users need an interview when applying for a credit card online. Some banks require an interview before placing the card, and some banks require that the credit card be brought to a bank branch for an interview after the card is placed. During the interview, the bank will ask the user for the information they filled out online. As long as they answer correctly, they can pass the interview.

After the credit card is mailed, the user needs to activate it before it can be used. The activation method is generally described in detail in the mailed envelope. The user can choose a method that suits him or her. Don't overspend when using it to prevent yourself from not being able to repay on time on the repayment date.

This is the end of the introduction about whether it is safe to apply for a credit card online and whether it is reliable to apply for a credit card online. Is it chargeable? Have you found the information you need?