How to handle a credit card? Detailed steps

How to handle a credit card? It is reported that the specific steps of applying for a credit card are as follows:

1. Select a bank, and you can log in to official website, the major banks, for detailed information.

2. Apply. After deciding which bank to apply for a credit card, you can apply directly to the business outlets or apply in official website.

3. Fill in the application form and fill in the relevant information according to the staff's instructions. When submitting the form, a copy of identity certificate, work certificate (a copy of work permit stamped with the official seal of the unit or the original work certificate issued by the unit) and financial documents (such as income certificate, bank deposit certificate, copy of income tax withholding certificate, etc.) must be provided together. Some banks also require applicants to provide proof of mailing address.

4. Fill in the information and submit it to the bank for review. The bank credit card center will systematically review the applicant's information and decide what kind of card to send you and the credit limit granted to you.

5. After the card is released and approved, it will be sent by registered mail. You can log in to the relevant bank in official website to inquire about the progress of card processing, or you can consult by telephone.

6. When you receive the card, there will be a related instruction manual. Read it carefully, remember the checkout date and repayment date, and set the relevant password according to the prompts. After opening, your credit card can be used. The limit is determined by the bank according to the information, social security, bank records, etc. If it is not enough, you can apply to the bank to adjust the temporary limit or fixed limit.

Finally, I would like to remind you of the things you should pay attention to when applying for a credit card:

1. Fill in the information, especially the address as detailed as possible.

2. Pay attention to the custody of the credit card, beware of losing it, and report the loss immediately after losing it.

3. You can apply for a higher credit line by providing more financial proof.

how to apply for a credit card

the first way to apply for a credit card is to apply directly at the bank counter. If you apply in the bank, you must fill in the information directly. There are bank staff on site who can guide me to fill in the relevant information, which can avoid the problem that we are rejected because of the wrong information. At the same time, we can issue more qualification certificates and wealth certificates, which is conducive to improving our final credit card quota. However, it will be relatively slow to review the credit card at the bank counter, because you have to report the information from the branch to the credit card center, and then the card center will review your information. Another way is to apply for a card online: nowadays, we can apply for a credit card in official website, but this way of applying for a credit card online is that we have to fill in the information ourselves, which is more likely to lead to the problem of wrong information filling, and thus it will be rejected. But online processing is mainly convenient without going out, as long as a mobile phone or a computer can apply for it. There is also a way to handle credit cards: through the bank's credit card salesman to handle credit cards. We can often see these bankers setting up stalls to sell credit cards in shopping malls or other shops. This way of handling cards is to receive prizes, but because they are all business personnel, the main purpose is to obtain performance, so we still have to weigh carefully some things that guarantee a high amount and ensure the issuance of cards, and we should not trust them too much. The process of handling a credit card 1. Prepare the application materials. 2. After the materials are ready, you can apply to the bank or make an appointment online. 3. Then wait for the bank's approval. During the approval process, the bank will call the applicant to verify the information. 4. After the approval, the bank will mail the card to the applicant, and get the card about 3 weeks after successfully submitting the information. "Legal basis: As a civil act, credit card business has been stipulated in principle by the General Principles of Civil Law, Contract Law, Criminal Law, People's Bank of China Law and Commercial Bank Law. In Chapter 5 of the Law of China People's Bank, the People's Bank of China examines and approves the establishment, alteration, termination and business scope of financial institutions according to regulations. Article 3 of "Commercial Bank Law" has 13 items in the business scope, and the credit education business belongs to other businesses approved by the People's Bank of China in Item 13. Violation of laws and regulations is invalid, and it is subject to corresponding criminal responsibility.

process of applying for a credit card

process of applying for a credit card: 1. prepare application materials. 2. After the materials are ready, you can apply to the bank or make an appointment online. 3. Submit the required information and wait for the approval of the bank. During the approval process, the Bank will call the applicant to verify the information. 4. After approval, the bank will mail the card to the applicant, and get the card about 3 weeks after successfully submitting the information.

legal basis

article 34 of the measures for the administration of credit card business, when applying for a credit card, a unit or individual shall fill out an application form and submit it to the issuing bank together with relevant materials. For those who meet the requirements, the issuing bank will open a credit card account for the applicant and issue a credit card.

credit card processing flow

The process of processing credit cards is as follows:

1. Processing credit cards at bank outlets.

(1) Go to the bank to fill in the credit card application form and submit personal certificates and other application materials. The application form should include all information such as income and position.

(2) waiting for bank approval. In the credit card review stage, users can go to the bank official website to check the progress of credit card application.

(3) After the approval of the bank, the credit card will be sent to you by express delivery. If the audit fails, you will also receive information sent by the bank.

2. apply for a credit card through the Internet.

(1) Click "Credit Card" on the official website App of the Bank to enter.

(2) Click "Handle Card" after entering.

(3) Select the type of credit card you want to apply for and click "Apply Now". Fill in and perfect personal information as required, and submit it.

(4) Wait for the bank's approval, and wait for the bank to send it by express mail after the approval.

a CreditCard is a credit certificate issued by a commercial bank or a credit card company to a qualified consumer.

a credit card is a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the specified limit.

The function of credit card:

1. It is convenient for people's life and saves the trouble of carrying cash. Moreover, there is no geographical restriction in using credit card. No matter where you swipe your card in China, you can swipe it as long as you have the UnionPay logo, and there is no handling fee;

2. Be able to participate in various discount activities in cooperation between merchants and banks;

3. The points earned by credit card spending can be exchanged for gifts;

4. Repayment in time after swiping the card will enhance the credibility of personal banks.

Use of credit card:

1. Shopping.

2. Microfinance.

3. save money.

4. Save money by shopping.

5. Value-added services of credit cards to obtain cheap insurance and travel.

6. Credit certificate.

Cash withdrawal methods for credit cards are as follows:

1. Counter cash withdrawal:

Cardholders can take their credit cards to any bank counter, apply to the staff for cash withdrawal, and then enter the withdrawal password with their help to withdraw cash.

2. Cash withdrawal by binding cards:

Cardholders can bind their credit cards with a peer savings card in credit card online banking, and then transfer the credit line to the savings card, and then use the savings card for consumption. This behavior is also called cash withdrawal.

3. ATM cash withdrawal:

Insert the credit card into the ATM, enter the payment password of the credit card, select cash withdrawal, then enter the cash withdrawal amount, and finally confirm.

the ways to repay money by credit card are:

1. repayment by ATM. Cardholders can go to the ATM of the bank to make a card deposit, and depositing money into the credit card means paying back the money.

2. repayment by mobile banking. All major banks have mobile banking software, which can repay credit cards after being installed on mobile phones.

3. Alipay repays. There is a credit card repayment function on Alipay. Click "Credit Card Repayment" on the homepage, and you can repay after binding the credit card.

4. wechat repayment. There is a credit card repayment function on WeChat. Click "I"-"Pay" to see the "Credit Card Repayment" function.

5. repayment at the bank counter. Cardholders can go to bank outlets with credit cards, ID cards and cash, and handle credit card repayment business at the counter.

what is the process of credit card?

credit card processing methods are as follows:

1. Prepare materials. When you go to the bank to apply for a credit card, you must first prepare the corresponding processing materials, which generally include the original ID card, work certificate, income certificate, etc.

2. Go to the bank to get the number. After you have prepared the information, you need to choose a favorite bank outlet and go to the bank self-service number machine to get the number during working hours, ready to handle the business.

3. fill in the card processing information. Generally, after taking the number, you can ask the bank lobby manager how to fill in the information, and fill in the information according to the tips of the staff and the template provided by the bank. The required information is accurate and cannot be erased.

4. submit information. Fill in the corresponding information and wait until the bank counter calls. After you get the number, go to the counter and submit the information needed to apply for the card, waiting for the bank to review it.

5. Anti-audit. After receiving your review information, the counter staff will review the information according to the corresponding regulations of the bank to see if it meets the conditions for handling credit cards. If there is, it will pass the audit. If you can't do it, it will tell you why you can't.

6. Card issuing is activated. If the bank has already issued a card, the bank counter staff will send it to you in time and help you activate it. Since then, your credit card has been successfully processed.

Extended information:

1. Advantages and disadvantages of applying for a credit card:

(a) Benefits of a credit card:

1. You can enjoy an interest-free period of 2-56 days without deposit.

2. When shopping, you will get points as a gift.

3. Special merchants who hold cards in banks can enjoy preferential treatment.

4. accumulate personal credit, and credit records can be added to credit files.

5. You can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo.

6. Some credit cards accept existing points.

7. Mail the statement free of charge every month.

8. supplementary card function, which can manage money together and master children's financial expenditure.

9. In the form of one card and two currencies, domestic RMB can be used for repayment when spending abroad.

the p>1-hour and 24-hour service hotline will take effect immediately if the loss is reported.

11. Cooperate with third-party platforms to provide preferential services for cardholders.

(2) Disadvantages of credit cards:

1. Credit cards can easily lead to excessive consumption.

2. The annual interest rate of credit card is higher.

3. Credit card debt will bring mental stress.

4. If the credit is bad, the cost of borrowing money will be higher, or even you can't borrow money.

that's enough for the introduction of applying for a credit card.