To apply for a credit card online:
1, enter the bank credit card center in official website;
2. Select the appropriate credit card online and click "Apply Now";
3. Fill in personal ID number, home address, income and other information, and click Submit;
4. After approval, there will be a face-to-face signing process. After the interview is passed, a new card can be issued.
legal ground
Article 5 of the Measures for the Administration of Bank Card Business
Bank cards include credit cards and debit cards. Bank cards are divided into RMB cards and foreign currency cards according to different currencies; According to the different issuing banks, it can be divided into corporate cards (business cards) and personal cards; According to different information carriers, it can be divided into magnetic stripe card and ic card.
How to apply for a credit card online
First, open the bank credit card official website that needs to apply for a credit card.
2. Select the type of credit card to be processed as required, and then click Apply Now.
Third, fill in the application materials.
4. Submit the online credit card application form and wait for the approval result.
Take China Construction Bank as an example:
Operating environment:
Brand model: iPhone 13
System version: iOS 15.4
Application version: v5.7.0.003
Source of credit card products:
The earliest credit card appeared at the end of 19. From 65438 to 1980s, the so-called credit card was developed in British clothing industry, followed by tourism and business departments. However, at that time, the card could only be used for short-term commercial credit, and the money had to be paid back as needed. There was no long-term default and no credit line.
Credit cards are generally plastic cards with a special carrier, with a length of 85.60 mm, a width of 53.98 mm and a thickness of1mm. The name of the card issuer, the expiration date, the number and the name of the cardholder are printed on the front, and the chip, magnetic stripe and signature strip are printed on the back. Cardholders can use credit cards to shop, spend money and deposit and withdraw cash from banks.
It is said that one day in 1950s, Frank McNamara, an American businessman, entertained guests in a restaurant in new york. After eating, he found that he forgot his wallet and had to call his wife to bring cash to the restaurant. He was deeply embarrassed, so McNamara came up with the idea of establishing a credit card company. 1 In the spring of 1950, McNamara and his friend Schneider jointly invested110,000 US dollars to establish DinersClub in new york, the predecessor of Diners Credit Card Company. Diners' Club provides members with a card that can prove their identity and ability to pay. With this card, members can spend money in 27 designated restaurants without paying cash. This is the earliest credit card. This kind of credit card, which does not need to be handled by a bank, belongs to commercial credit card.
From 65438 to 0952, Franklin National Bank of California, as a financial institution, issued bank credit cards for the first time, becoming the first bank to issue credit cards.
1959, Bank of America issued an American bank card in California. Since then, many banks have joined the ranks of card-issuing banks. In the 1960s, bank credit cards were quickly welcomed by all walks of life and developed rapidly. Credit cards are popular not only in America, but also in Britain, Japan, Canada and European countries. Since 1970s, Hongkong, Taiwan Province, Singapore and Malaysia have also started to handle credit card business.
In the 1960s, credit cards sprouted and developed rapidly in developed countries in Europe and America, such as the United States, Canada and Britain. After more than 50 years of development, credit cards have been widely accepted in more than 95% countries around the world. In 1980s, with the reform and opening up and the development of market economy, credit cards, as electronic and modern consumer financial payment tools, began to enter China, and made great progress in the past decade.
After the financial crisis and the ups and downs of the domestic economy, the credit card market in China picked up on 20 16. By the end of 20 16, the total number of credit cards issued in China exceeded 590 million. In 20 16, the transaction amount of credit card consumption in China reached 74 1.8 1 trillion, up by 10.75% year-on-year, and the proportion of credit card consumption in the total retail sales of social consumer goods continued to increase.
Can I apply for a credit card online?
You can apply for a credit card online. Generally speaking, applying for a credit card online should be done on the official website of the issuing bank. The official website interface layout of different banks may be different, so pay attention to the distinction when using it. The specific application steps are as follows:
1. Open Baidu browser with your mobile phone and log in to official website, the bank to which your credit card belongs.
2. Find the "Credit Card" option in the main menu on the home page, and click to enter the credit card business page to handle our credit card business.
3. The menu item "Credit Card Application" is generally obvious on the credit card business page. Find "Credit Card Application", and find "Do Card Now" in the column of "Credit Card Application" to enter the personal credit card online application page.
4. After entering the personal credit card online application page, the varieties and types of all credit cards of the bank will be listed in the webpage for the applicant to choose. After choosing the right credit card, the next step is to fill in the information. According to the process set by the webpage, fill in the basic personal information first, then fill in the information such as income status and work status, then read the relevant credit card statement agreement of the bank and click the consent agreement, and then submit the application.
5. Just wait after submitting the application. During the waiting period, the bank will review and evaluate the applicant's information to see if he can repay the credit card. After the approval, the bank will make a card for the applicant and mail it to the applicant.
Operating environment:
Brand model: iPhone 13
System version: iOS 15.0
Application version: v 13.2
The requirements for online credit card application are the same as those for counter application. Applicants are required to be between 18-65 years old, able to afford the maximum amount of credit card application, and have no record of bad behavior in the bank credit information system. If a guarantee company or individual is required to guarantee the card, it is necessary to show the guarantee qualification materials of the guarantee company or guarantor. In addition, different banks have different requirements for credit card types, which shall be subject to the bank's interpretation.
Benefits of credit cards:
1. Handling a credit card can effectively solve the problem of insufficient funds for users. Credit card handling does not require loans or borrowing money from others.
2. Using credit card has rabbit interest time, so users can invest their own money and pay it back in the future repayment time, which effectively improves the utilization rate of funds.
3. Credit card issuers will cooperate with merchants, and users can enjoy preferential treatment; 4, credit card repayment on time can increase a good credit record.
These are the benefits of credit cards.
Advantages and disadvantages of credit cards:
1. Some service personnel may overspend during cardholders' consumption, or steal credit cards for other merchants' consumption, which may happen in both physical and online virtual merchants.
2. The credit system is still not perfect, and there is still a phenomenon of lax review in bank credit granting, insufficient protection of citizens' own information security, and serious credit card crimes.
3. Users' blind credit card spending may lead to excessive consumption and irrational consumption.
4. There is no interest-free period for credit card cashing, and users need to be charged a handling fee.
The above is the introduction of online credit card application.