How to apply for Bank of China electronic credit card?

How to apply for Bank of China electronic credit card?

1. Application: In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can apply for a credit card from the card issuing bank. Sometimes, legal persons can also be applicants.

2. Review: After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. The creditworthiness of the applying unit must be evaluated, and the relevant circumstances of the guarantor must also be reviewed for individuals.

3. Card issuance: After the applicant successfully applies for a credit card, the card issuer will open a separate credit card account for the cardholder at the card-issuing bank for settlement after shopping, consumption and cash withdrawal.

4. 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.

5. Identification, there is at least the following information on the credit card card:

(1) Front: name and logo of the issuing bank, credit card number (organization logo) and holographic anti-counterfeiting mark, English or Pinyin name, activation date (generally calculated to month), validity date (generally calculated to month), the latest issued card is equipped with a chip on the front, and the chip account and the card magnetic stripe account are two relatively independent accounts.

(2) Back side: card magnetic stripe, cardholder signature field (must sign after activation), service hotline number, last four digits or all of the number (to prevent fraudulent use), credit card security code (in The three-digit number immediately following the last four numbers on the signature line on the back of the credit card is used for credit card activation, password management, TV, telephone and online transactions, etc.).

6. Authorization: The merchant and bank confirm that the credit card is valid, and contact the bank to request authorization according to the contract signed with the card issuer. Authorization is to further confirm the cardholder's identity and the amount that can be used. Authorization is generally made when the usage amount specified in the contract is exceeded.

7. Use: Credit cards are usually limited to the cardholder's personal use, and lending them to others is generally a violation of the use contract.

8. Card cancellation: Before canceling a credit card, the account balance must be cleared. The entire process of canceling the card must be completed within 45 days after the application is submitted.

How to apply for an Agricultural Bank of China digital credit card?

Digital bank cards can be applied for in the Cloud QuickPass APP and major commercial bank APPs. Taking the UnionPay APP as an example, the steps are as follows:

1. Open the UnionPay APP and click "UnionPay Card" on the homepage.

2. After entering the card application page, click "Apply for Card Now".

3. Fill in your name, ID number and other personal information as required.

4. After submitting the application, you can complete the application for the digital bank card.

Operating environment:

Brand model: Huawei nova7

System version: harmonyOS.2

App version: v9.0.9

The so-called "digital credit card" is actually an "electronic credit card", which is a virtual card. After the customer successfully applies, the bank will provide a set of virtual, security code, validity period and other information, and the customer will bind it after activation You can make quick payments through the mobile banking of the card-issuing bank, or by binding UnionPay Cloud QuickPass, as well as third-party payment platforms such as Alipay and WeChat. Digital credit cards are suitable for both online and offline consumption. Check the numbers when making online payments. Credit card, enter the payment password to complete the payment; when making offline purchases, you can scan the QR code to pay via mobile banking, UnionPay Cloud QuickPass, Baby Pay, etc.

Banks with digital credit cards include: Bank of Communications MasterCard, China Merchants Bank E-recruitment card, Ping An Bank without card, Industrial Bank E-card, China Guangfa Bank True Love Little White Card, Shanghai Pudong Development Bank E-GO card, China Construction Bank Dragon Card E-payment card and China CITIC Bank online payment card. Digital credit cards cannot be used for payment by swiping, and can only be used for payment by scanning QR codes. In addition, the advantages of digital credit cards are also obvious. After binding to third-party payment software, there is no risk of loss, as long as users take good care of their mobile phones.

Digital credit cards are different from credit cards:

1. Different card forms

A digital credit card is actually a virtual credit card, without a physical card. It consists of a set of virtual card information, CWV2 code, validity period and other information.

Ordinary credit cards use real cards, and what the bank mails to us is the physical card.

2. Different card swiping methods

Digital creditors need to use other mobile payment tools, such as mobile Alipay, WeChat, UnionPay, JD.com, etc. The physical card can be bound for consumption or can be swiped offline for consumption.

3. Different repayment methods

Digital credit cards can only be repaid online, such as transfer repayment through Alipay, WeChat, mobile banking, etc.

In addition to online transfer and repayment, physical cards can also be inserted into ATM machines to deposit money and repay.

Has anyone ever used an electronic credit card? How to apply for Ping An Bank’s electronic credit card without a card?

Here, the way to apply for Ping An Bank’s electronic credit card without a card is: log in to Ping An Pocket Bank APP (Apple 12, ios 14 Ping An Pocket Bank APP 5.4.4) - Credit Card - Credit Card Service - Ping An Without Card - Fill in Information—Real-time approvals. Ping An can issue a card in as little as 1 minute without a card, which is very fast. Moreover, the electronic credit card can not only enjoy the convenience of mobile payment, but the card can also be used in the special area of ??Ping An Bank Pocket APP (Apple 12, iOS 14 Ping An Pocket Bank APP 5.4.4). Intelligent management, cardholders can check the card information of electronic credit cards through the APP area and experience a series of one-click intelligent services.

The credit card consumption method is as follows:

1. First, make sure your credit card has online banking enabled. If not, contact customer service to activate it. If you encounter any problems, she will help you complete it. Credit card Making money is a big part of the bank, and the customer service is very cooperative;

2. When shopping in the online mall, go to settlement after selecting it, and choose your credit card account bank during settlement;

3. Jump to the payment interface, select credit card consumption--Input--Enter credit card security information and amount--Confirm;

4. Mobile banking and third-party payment (such as WeChat, Alipay, etc.) and online banking methods It's almost the same, but you need to perform an operation to bind your Alipay account and WeChat account. Just follow the prompts when binding.

Introduction to Ping An Bank:

Ping An Bank, whose full name is Ping An Bank Co., Ltd., is a cross-regional joint-stock commercial bank controlled by Ping An Insurance (Group) Co., Ltd. of China. It is one of the 12 national joint-stock commercial banks in mainland China. The registered capital is RMB 5.12335 billion, with total assets of nearly 1.37 trillion yuan. It is headquartered in Shenzhen, Guangdong Province.

Ping An Insurance (Group) Co., Ltd. of China (hereinafter referred to as "Ping An") and its holding subsidiaries hold a total of approximately 2.684 billion shares of Ping An Bank, accounting for approximately 52.38%. The controlling shareholder of Ping An Bank. It has 34 branches across China and a representative office in Hong Kong.

This ends the introduction on how to apply for an electronic credit card and where to apply for an electronic credit card. Have you found the information you need?