How to apply for a credit card online?
Credit card application online application process:
First of all, there are online and offline credit applications. Offline outlet application: first, prepare the application materials needed for the application, then go to the bank outlet to obtain the application form, fill it out and submit it together with the application materials, and then wait for the audit results.
online application:
1. apply for an appointment online
2. after the appointment, a staff member will contact you at home to collect information
3. it takes about 7 to 1 working days for the banking system to review personal information and call back
4. if it is approved, the credit card will be sent in about 1 working days.
Among them, for most people, the conditions for applying for a credit card are almost the same. To apply for a credit card, the basic conditions for applying for a credit card must be met, that is, the applicant must be a China person who is 18 to 6 years old, has full capacity for civil conduct, has a legal and stable income source and has a good credit standing, or a foreigner who has permanent residence in China and compatriots from Hong Kong, Macao and Taiwan.
in addition, if you can provide other financial proof documents (such as bank payroll records, income tax withholding vouchers, or proof documents of the market value of houses, cars, deposits and investments, such as a copy of real estate license/car driving license/bank time deposit certificate, and other materials that can prove your financial level. Other documents for reference include: personal account list of social insurance in recent 6 months, water and gas bills, credit card bills of other banks, etc.), which will be more helpful to understand your personal situation and judge the credit limit.
if the application is made by a minor, the guardian's consent must be obtained. To apply for a credit card, you must have a stable job and have the ability to repay on time every month; At the same time, the applicant must have a good credit, and the bank with bad credit will refuse to release the card.
relatively speaking, it is easier and more convenient to handle the card online than offline, but in the end, it is important to have good credit information to avoid the Bank of China refusing to release the card because of poor credit information during the card handling process.
here are the credit card channels for Ping An Bank, China Merchants Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Minsheng Bank, China Everbright Bank and China CITIC Bank. You can apply for them yourself if necessary!
Credit card application from China Merchants Bank and Ping An Bank
Credit card application from China Everbright Bank and China CITIC Bank
Credit card application from Agricultural Bank and Minsheng Bank
Online card application process
1. Users open online banking through Baidu browser to make an appointment application. Users should first fill in the application form on the bank credit card website and then contact the salesman.
Operating environment:
Brand model: Xiaomi 12Pro
System version: Android11 version MIUI13
app version: v13.4..12
Second, after the reservation is successful, the salesman will come to the door to handle the card for the user. The card handling procedure is the same as the ordinary card application procedure, but the user needs to provide the existing credit card or bill.
At present, Guangfa Bank, Ping An Bank, Xingye Bank, China CITIC Bank and China Everbright Bank can apply for a card online.
another way of saying credit card is that credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.6 mm, a width of 53.98 mm and a thickness of 1 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when they use credit cards, and they will make repayment on the settlement date. Except for some credit cards combined with financial cards, general credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct funds from users' accounts. In February 212, the bank confirmed that credit cards are safer without passwords, and if they are stolen, they will share the responsibility with the bank. Enjoy an interest-free period of 25-56 days (or 2-5 days). Credit card consumption enjoys an interest-free period, and the bill amount will be paid off before the due repayment date, and no expenses will be incurred. There is no interest-free repayment period for cash withdrawal, and five ten thousandths of daily interest will be charged from the day of cash withdrawal, and the bank will also charge a certain percentage of cash withdrawal fee.
in the 196s, credit cards sprouted and developed rapidly in developed countries in Europe and America, such as the United States, Canada and Britain. After more than 5 years of development, credit cards have been widely accepted in more than 95% countries around the world. In 198s, 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 in the past ten years, they have developed by leaps and bounds. After the financial crisis and the ups and downs of domestic economy, the credit card market in China picked up in 21. By the end of 21, the total number of domestic credit cards has exceeded 2 million. In 21, the amount of cross-bank credit card transactions in China reached 5.11 trillion yuan, and the consumption amount was 2.7 trillion yuan. The proportion of credit card consumption in the total retail sales of social consumer goods continued to increase.
According to the Analysis Report of China Credit Card Industry in-depth Investigation and Investment Strategic Planning in 213-217, since 21, in order to curb the excessive rise of asset prices and control inflation, the China government has implemented a prudent monetary policy and adopted a series of moderate austerity measures, which shows that macro-prudence and strengthening capital supervision have become the core of banking supervision in China, and various tightening money supply operations and capital restraint policies have had a profound impact on the liquidity level, credit supply rhythm and structure of China commercial banks. According to the analysis, the evolution of the industry structure is that the product mix is further optimized and diversified, and the research and development of new industry standards and mobile payment is intensified; Deepening credit penetration; Staging business is developing in depth. China's credit card market is still one of the fastest growing product lines in China's personal financial services market. Although the economic benefits of the industry are full of challenges, the average annual growth rate of credit card issuance in China will remain at around 14% in the next 1 years, and the profitability will also tend to improve. Foresight predicts that by 22, the cumulative number of credit cards issued in China will exceed 8 million.
how to apply for a credit card online
You can apply for a card online.
1. Online application process:
1. Enter the bank card application page through ICBC portal website or personal online banking
2. Select the province and city where you want to apply for the bank card, and click Bid
3. Fill in the application information completely according to the prompt, appoint the card collection outlets, read ICBC Notes on Safe Card Use and Automatic Repayment Business Agreement, and confirm whether you agree to apply.
4. after confirming the applicant's statement, you can click "submit" to complete the application process. After submitting the application, you can click "Continue to apply" to enter the product selection page and continue to choose to apply for other products
5. You can check the progress of card processing through the counter, telephone banking and portal website or log in to personal online banking
6. After receiving the card, the booking card collection outlet will send a card collection notice message to the applicant
7. After receiving the card collection notice, the applicant must go to the appointed card collection outlet with valid identity documents to sign and confirm.
If you are the first card, you can apply online. To be exact, common banks, especially those with lively ideas, such as China Merchants, CITIC, Communications and Guangfa, can apply online. However, in view of the bank's audit, you and the bank's people need to see it in person. China Merchants Bank is a salesman who visits you at your company after your application, and CITIC, Communications, etc. send you a card after the online preliminary examination, but this card can't be used for the time being, and it can only be officially opened after you take the card in person to the bank outlet for face-to-face signing. Otherwise, it is against the regulations of the CBRC if all applications are not made in person. If you are not the first card, that is to say, you already have the bank's card and apply for a second card, then industry and commerce, construction, investment promotion, CITIC, transportation, people's livelihood, industrial development, etc. can basically apply online completely.
3. What are the requirements for online card processing?
1. First of all, the credit card held by the applicant is in normal condition and there is no bad credit record.
2. According to the information from the current public channels, the banks that currently support card processing are: China Bank, Bank of Communications, Shanghai Pudong Development Bank, China Everbright Bank, Huaxia Bank, Industrial Bank, Ping An Bank and China Guangfa Bank. Generally speaking, for these banks, the cards with the longest service life and the highest amount in your hand will be more popular. However, you still need to consult the customer service of all banks in detail. Each bank's card-to-card mode has its own rules.
3. Try to provide personal financial proof when applying for a credit card, such as: a copy of the certificate of own property, a copy of the original and copy of the driving book of a motor vehicle, a copy of the fixed (current) deposit certificate (passbook) or a copy of the academic certificate, etc. 4. The service life of the reference card in your hand should meet the standard, at least it has been used for more than half a year, and the limit should not be less than 5,, and there is no bad record. In addition, the number of cards in a person's name should not be too much. For ordinary people, four cards are almost the same.
How to apply for a credit card online
You can apply for a credit card online in the following ways:
1. Log in to the official credit card customer service center of the bank, click Apply for a credit card, fill in your personal information and submit an application. Example: Open the official website of China Bank, click on the online credit card application in the convenient service column, select the required card type, click on Apply Now, enter the information as prompted for personal identity verification, and submit the information.
2. Pay attention to the bank credit card center WeChat WeChat official account and apply for it. Example: Pay attention to "China Bank Credit Card" WeChat official account, click on My Account-Card Application Recommendation-Online Card Application | Self-help Quick Processing, select the appropriate card type, click Apply Now, and enter relevant information.
3. Log in to mobile banking and apply. Example: Download and log in to the personal credit card software "Pocket Life" of China Merchants Bank, click Finance-Card Application, select the card type, fill in the personal information and apply.
credit card types
according to different card issuers, it can be divided into bank cards and non-bank cards
bank cards. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or withdraw cash at any time at all branches of the issuing bank or places with ATMs.
non-bank card. This kind of card can be divided into retail credit card and travel entertainment card.
according to different issuers, it can be divided into corporate cards and personal cards
corporate cards. Corporate cards are issued to all kinds of industrial and commercial enterprises, scientific research and education institutions, state party and government organs, military units, organizations and other legal organizations.
personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources.
According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.
Ordinary cards. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and their requirements are not high.
gold card. Gold card is an advanced credit card that pays high membership fee and enjoys special treatment.
according to different payment methods, credit cards can be divided into credit cards and quasi-credit cards
credit cards. It is that when the issuing bank provides bank credit, it overdraws first, and then repays or pays by installments. Most of these cards are used in international circulation.
quasi-credit card. It is a credit card issued by the bank, which deposits first and then consumes.
according to the different circulation scope of credit cards, they can be divided into international cards and regional cards
international cards. International card is a kind of credit card that can be used outside the issuing country and is universal.
area card. Regional card is a kind of credit card that can only be used in the issuing country or in a certain area. Most credit cards issued by commercial banks in China belong to regional cards.
This is the end of the introduction of online application for credit cards and online application for credit cards. I wonder if you have found the information you need?