How to apply for a credit card online

To apply for a credit card online, you can use the following methods:

1. Log in to the bank’s official credit card customer service center, click Apply for a credit card, and fill in the Personal information, just submit the application. For example: Open the official website of Bank of China, click Apply for a Credit Card Online in the Convenient Services column, select the required card type, click Apply Now, follow the prompts to enter information for personal identity verification, and submit the information.

2. Follow the WeChat official account of the bank’s credit card center and apply. For example: Follow the "Bank of China Credit Card" official account, click My Account - Card Application·Recommendation - Online Card Application | Self-service Quick Processing, select the appropriate card type, click Apply Now, and enter the relevant information.

3. Log in to mobile banking and apply. For example: Download and log in to China Merchants Bank's personal credit card software "Pocket Life", click Finance - Card Application, select the card type, fill in personal information, and apply.

Types of credit cards

According to different card issuers, they can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards.

According to the different objects of issuance, it can be divided into corporate cards and personal cards

Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal organizations.

Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income.

According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

Gold Card. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits.

According to different repayment methods, credit cards can be divided into credit cards and quasi-credit cards

Credit cards. When the card-issuing bank provides bank credit, it is first used as an overdraft, and then repaid or paid in installments. Most of these cards are used internationally.

Quasi credit card. It is a credit card issued by a bank that allows you to deposit money first and spend later.

According to the different circulation scope of credit cards, they can be divided into international cards and regional cards

International cards. An international card is a credit card that can be used outside the country of issue and is accepted worldwide.

Regional card. A regional card is a credit card that can only be used within the issuing country or within a certain region. Most of the various credit cards issued by commercial banks in my country are regional cards.

Can I apply for a credit card online?

You can apply for a credit card online. Online credit card application is generally done on the official website of the card-issuing bank. The interface layout of the official website of different banks may be different, so pay attention to the distinction when using it. The specific application steps are:

1. Use your mobile phone to open Baidu browser and log in to the official website of the bank to which the credit card you are applying for belongs.

2. Find the "Credit Card" option in the main menu of the homepage, click the mouse to enter the credit card business page, and handle the bank's credit card business.

3. The "Credit Card Application" menu item is generally more obvious on the credit card business page. Find "Credit Card Application" and find "Apply Card Now" in the "Credit Card Application" column to enter the personal credit card online application page. .

4. After entering the online application page for personal credit cards, the varieties and types of all credit cards of the bank will be listed on the page for applicants to choose. After selecting a suitable credit card, the next step is to fill in the information.

According to the process set on the web page, first fill in the basic personal information, then fill in the income status, work situation and other information, then read the relevant credit card statement agreement of the bank and click to agree to the 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 or she has the ability to repay the credit card. After passing the review, the bank will make a card for the applicant and mail it to the applicant.

Operating environment:

Brand model: iPhone13

System version: iOS15.0

App version: v13.2

The requirements for online credit card application are the same as those for over-the-counter application. They require the applicant to be between 18 and 65 years old, and be able to afford the maximum amount specified in the credit card applied for. In the bank credit system No history of bad behavior, etc. If you seek a guarantee from a guarantee company or person when applying for a card, you need to present the guarantee qualification materials of the guarantee company or guarantor. In addition, different banks’ credit card types have different requirements for applicants. For details, please refer to the bank’s explanation.

Benefits of credit cards:

1. Applying for a credit card can effectively solve the user's problem of insufficient funds, and the application of a credit card does not require a loan or borrowing money from others.

2. The use of credit cards has an interest period. Users can invest money and repay the money within the repayment period, effectively improving the utilization rate of funds.

3. Credit card issuing banks will cooperate with merchants, and users can enjoy discounts; 4. Timely repayment of credit cards can increase a good credit record.

The above are the benefits of credit cards.

The pros and cons of credit cards:

1. There may be service staff who overspend the cardholder during the consumption period, or steal the credit card and use it for other merchants’ consumption. This situation occurs in physical or virtual environments. It can happen to any business.

2. The integrity system is still imperfect, there is still lax review in bank credit and other aspects, citizens’ own information security protection is insufficient, and credit card crimes are serious.

3. Users’ blind credit card consumption may lead to excessive consumption, irrational consumption and other situations.

4. There is no interest-free period for cashing out credit cards, and users also need to be charged handling fees.

Can I apply for a credit card online?

Yes. The steps to apply for a credit card online are as follows:

Find the "Credit Card Center" of the bank where you want to apply for a credit card by directly entering the official website of the bank that applies for the card, or use a search engine to find the "Credit Card Center" of the officially certified bank that applies for the card. ” (The word "official website" is displayed on a blue or green background after the title bar. Currently, Baidu certification is blue and 360 certification is green).

Log in to the bank's official website, select "Apply for a credit card" or "I want to apply for a card" and other processing prompts, and click "Apply Now".

Select a card brand, card type, card version, etc.

Check the "Credit Card Terms and Conditions" contract agreement and check "I confirm that I have read the "Bank Credit Card User Agreement (Personal Card)" and agree to the content of the agreement."

Go to the next step and fill in the relevant information (select your card application city. If not, it may be that there is no card application bank branch in your city. Considering that subsequent use of the card may require you to go to the counter in person to handle the part) For business, if there are no local outlets, it will cause inconvenience to the handlers. In the future, more outlets will be opened in various cities).

Fill in the SMS verification code, go to the next step and fill in your work information.

Fill in personal information

If you want to apply for a car owner card, you must also upload the vehicle license.

Next step, submit and wait for review.

Relatively speaking, national joint-stock commercial banks are easier to handle than the five major state-owned banks.

There is no charge for credit card processing. Approval is subject to the bank's final review result.

Other instructions

It is not recommended to apply for a personal credit card on a public computer.

When using a personal computer to apply for a credit card, make sure the computer has the necessary security software.

After applying for a credit card, the bank will contact customer service. There are generally two situations: the bank requires you to bring relevant documents to the business hall to apply, or bank staff will come to help you apply. As long as the identity is verified correctly and the conditions for opening a credit card are met, then the online credit card application will be considered successful.

Special note: Currently, online credit card application is only available to those who already have stable jobs. There are some differences in the steps depending on the bank.

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 the ICBC portal website or log in to personal online banking

2. Select the province where you apply for the card and city and bank card type to apply for_and click Apply

3. Complete the application information according to the prompts and agree on the card collection outlet. Read ICBC's "Instructions for Safe Card Use" and "Automatic Repayment Business Agreement" Letter" and confirm whether you agree with the applicant's statement;

4. After confirming the applicant's statement, you can click "Submit" to complete the application process. After submitting the application, you can click "Continue Application" to enter the product selection page and continue to choose to apply for other products

5. You can check the card application progress through the counter, telephone banking and portal website, or log in to personal online banking

6. After receiving the card, the appointment card collection outlet will send a card collection notification message to the applicant

7. After receiving the card collection notice, the applicant must present a valid ID card to the designated collection center. Card branches handle signature confirmation, card collection and activation of business

2. Which banks can apply for cards online?

If it is your first card, you can apply online for many banks. To be precise, common banks, especially banks with more flexible ideas, such as China Merchants, CITIC, Communications, Guangfa, etc., can all apply online. However, considering the bank's review, you and the bank's people need to meet in person. China Merchants Bank will have a salesperson visit you at your unit after you apply. CITIC, Communications, etc. will mail it to you after passing the online preliminary review. However, this card cannot be used temporarily. You must bring the card to a bank branch for an interview before it can be officially opened. Otherwise, if all applications are made without seeing the applicant in person, this is a violation of the regulations of the China Banking Regulatory Commission. If you are not the first cardholder, that is, you already hold a card from the bank and apply for a second card, then basically all applications for industrial and commercial, construction, investment promotion, CITIC, transportation, people's livelihood, industrial, etc. can be done online.

3. What are the requirements for applying for a card online?

1. First of all, the credit card held by the card applicant is in normal condition and has no bad credit record.

2. According to current information from public channels, the banks that currently support card processing include: Bank of China, Bank of Communications, Shanghai Pudong Development Bank, China Everbright Bank, Hua Xia Bank, Industrial Bank, Ping An Bank, and China Guangfa Bank . Generally speaking, for these banks, the card you currently hold with the longest period of use and the highest limit will be more popular. However, you still need to consult the customer service of each bank in detail for specific circumstances. Each bank has its own rules for the card application model.

3. Try to provide proof of personal financial resources when applying for a credit card, such as: copies of self-owned real estate certification documents, original and duplicate copies of motor vehicle registration documents, and copies of bank fixed-term (current) deposit certificates (folded) Documents or copies of academic certificates, etc. 4. The age of the card you have as a reference needs to meet the standard. It must have been used for at least half a year, the limit cannot be less than 5,000, and there is no bad record. In addition, the number of cards in one's name should not be too many. For ordinary people, 4 cards is enough.

Can I apply for a credit card online?

If you are applying for a credit card, it can naturally be processed online. Customers can apply directly through online banking, mobile banking clients or credit card APPs. After the application is submitted, the bank will review it. If approved, a card will be issued and sent to the customer immediately. After the customer receives the card, it can be activated and used.

However, everyone needs to note that if it is the first time to apply for a credit card from a certain bank online, you may have to go to an offline branch for an interview later. If it is not the first time to apply online but has been applied before, an interview is usually not required.

If you are applying for a debit card, it depends on the bank's regulations. Some must go to branches to apply, and cannot be applied through online channels; others can be applied through personal online banking, but you still have to go The card can only be collected at an outlet; in some cases, the card can be mailed directly after the customer applies online, but some require an interview. It is recommended that you call the bank customer service for details, and then the customer can choose a bank that can apply online to apply for a card.

That’s it for the introduction of whether you can apply for a credit card online.