Is it easy to apply for a credit card in a shopping mall?

There is no guarantee that the card will be approved when applying for a credit card in a shopping mall. After all, the cards issued by the mall are cooperative merchants of the bank. It is like introducing a middleman, and there is no guarantee that the card will be approved. To ensure absolute security, personal information may be leaked. If you want to apply for a credit card, it is best to go to the bank to apply for it in person or ask professional bank staff to go to your workplace to apply for it. It is relatively safe and the card approval rate is also very high.

Are people who say they want to apply for a credit card at a shopping mall or bank a liar?

Most of them are scammers, but it is not ruled out that trial clerks from banks solicit business at other banks in order to complete card application tasks and compete among banks. In fact, the credibility of applying for a credit card in this way is very low. Extremely low, because credit card application requires strict credit and credit review, and complete and true personal information needs to be provided. If the personal information falls into the hands of scammers, it will bring credit and economic risks to the card holder. Therefore, it is best to apply for a bank credit card at a bank counter, which is safe, reliable and fast.

1. Credit card, also called credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

2. Credit cards stipulated in the relevant laws of our country ("Interpretations of the Standing Committee of the National People's Congress on Relevant Credit Card Provisions") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, An electronic payment card with full or partial functions such as transfer settlement, cash deposit and withdrawal, etc. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

3. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate). Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; a quasi-credit card refers to a credit card in which the cardholder can A quasi-credit card that deposits a certain amount of reserve fund and can be overdrafted within the specified credit limit when the reserve account balance is insufficient for payment. The so-called credit card generally refers to a credit card only. Starting from January 1, 2021, the credit card overdraft interest rate will be determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate will be cancelled. 0.7 times). On May 25, 2021, the Supreme People's Court issued and implemented the "Regulations of the Supreme People's Court on Several Issues Concerning the Trial of Bank Card Civil Cases".

Is it safe to apply for a credit card at the entrance of a shopping mall?

Be sure to find out whether it is a marketing activity of the bank and be careful not to be fooled. Nowadays, various banks have tightened the issuance of credit cards and the limit. It has also dropped a lot. It is best to consult and verify with the relevant bank before deciding whether to apply.

They are usually credit card salesmen who work for bank cards. They just set the points in supermarkets and places with a large flow of people.

Nowadays, many shopping malls have publicity personnel at the entrance. Whether you apply for a card at the entrance of the mall or in a bank, you need to provide: ID card and proof of income.

Proof of residence (if you live in a community, ask the property management company to stamp it for you; if you live at home, ask the neighborhood committee to stamp it). Just wait for the phone call. It takes about 20 days from the bank to send your application to the bank for notification. If you don't notify within 20 days, it means it has not been approved.

Conditions for applying for loans from various banks

ICBC-Rong e-borrowing

1. Quota: RMB 600-800,000 (maximum application for mobile banking is RMB 300,000/ If the amount exceeds 300,000, please go to the branch)

2. Interest: minimum annualized 4.35%

3. Period: 2-24 periods. Some customers can get 60 periods

< p>4. Repayment methods: supports four repayment methods: equal principal and interest, equal principal, one-time principal payment with scheduled interest, one-time principal payment with interest, and supports early repayment

5. Required Preparation materials: ID card, bank card

6. Review and arrival time: Results are generally available within seconds, and the account is available within seconds

7. Application area: Almost all over the country

Industrial and Commercial Bank of China - Rong e Borrowing 8 likes · 4 comments article

China Construction Bank-Quick Loan

1: Age 20-65

2. Quota 1,000- 300,000

3. Loan term: up to 1 year, recycled. Within the validity period of the quota, you can use it at any time and repay it at any time

4. After you have withdrawn the quota, you can withdraw cash by yourself. Some people can only withdraw half, and the other half must be swiped by a savings card signed with Quick Loan to complete the loan. Payment

Agricultural Bank of China-NetJiedai

1: Age 18-60

2. The annual interest rate is about 5%

2. The maximum limit is 300,000, and if it exceeds 200,000, you need to sign at an outlet

2. The credit status is good, and there must be no overdue for more than 30 consecutive days in the past 2 years, and no more than 4 overdues in total

Evaluation : The application threshold is relatively high, but there are also opportunities to get quotas. Friends who have business dealings with Agricultural Bank of China can try it.

Shanghai Pudong Development Bank-Diandai

1. Age: 18-60 years old

2. The maximum limit is 300,000

3. Loan If the term is within 1 year (inclusive), you can choose one of two methods: repay the principal with interest on maturity or equal installments of principal and interest. If the loan term is more than 1 year, you can choose the repayment method of equal monthly principal and equal monthly principal and interest.

4. You cannot choose to be a related person of our bank when applying, otherwise you will be directly rejected.

5. If you do not have a Shanghai Pudong Development Bank card in your name, you need to apply for a Shanghai Pudong Development Bank card after applying for the limit

Bank of China-BOC e-Loan

1. Quota : Up to 300,000 yuan

2. Interest: Minimum annual rate 5.22%

3. Term: 1-12 months. The loan limit is valid for 12 months. The borrower can recycle the limit during the limit period and reactivate it after the limit expires.

4. Repayment method: A single payment can be repaid by one-time repayment of principal and interest when due, monthly interest payment and repayment of principal when due.

Bank of China- Bank of China e-Loan 3 likes · 6 comments

China Everbright Bank-Sunshine Suixin Loan

1. Quota: up to 300,000

2. Interest: annualized 4 -6% or so

3. Term: up to 36 periods

4. Repayment methods: equal principal and interest, equal principal, interest first, principal and other repayment methods (system Determination)

5. Required preparation materials: ID card, bank card (no Everbright bank card is required, open the card after the limit is issued)

6. Review and arrival time: generally seconds Results are available and credited within seconds

7. Application area: Nationwide

That’s it for the introduction to applying for credit cards in shopping malls.