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 completely online.

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 motor vehicle driving book, a copy of the fixed (current) deposit certificate or a copy of academic credentials. 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

First, open the bank credit card official website that needs to apply for a credit card.

2. Select the type of credit card to be processed as needed, and click Apply Now.

third, fill in the application materials.

fourth, submit the application form for online credit card application and wait for the approval result.

Take China Construction Bank as an example:

Operating environment:

Brand model: iPhone13

System version: iOS15.4

app version: v5.7..3

Origin of credit card products:

The earliest credit card appeared at the end of 19th century. In the 198s, the British clothing industry developed the so-called credit card, and the tourism and business sectors also followed this trend. However, at that time, the card could only be used for short-term commercial credit, and the money still had to be paid as needed, and there was no long-term default and no credit line.

Credit cards are generally special plastic cards with a length of 85.6mm, a width of 53.98mm and a thickness of 1mm. The name of the card issuer, expiration date, number, cardholder's name and other contents are printed on the front, and there are chips, magnetic strips and signature strips on the back. Cardholders can use their credit cards to shop, spend money and deposit and withdraw cash from banks.

It is said that one day in 195s, Frank McNamara, an American businessman, entertained guests at a restaurant in new york. After eating, he found that he had forgotten his wallet with him and had to call his wife to bring cash to the restaurant to settle the bill, so he was deeply embarrassed. So McNamara came up with the idea of establishing a credit card company. In the spring of 195, McNamara and his good friend Schneider jointly invested 1, US dollars to establish DinersClub in new york, the predecessor of Diners Credit Card Company. Diners' Club provides members with a card that can prove their identity and ability to pay. With the card, members can charge to the designated 27 restaurants without paying cash. This is the earliest credit card. This kind of credit card that does not need to be handled by a bank belongs to commercial credit card.

In p>1952, Franklin National Bank of California, as a financial institution, first issued a bank credit card, becoming the first bank to issue a credit card.

in p>1959, American bank of America issued the American bank card in California. Since then, many banks have joined the ranks of card-issuing banks. In the 196s, bank credit cards were quickly welcomed by all walks of life and developed rapidly. Credit cards became popular not only in the United States, but also in Britain, Japan, Canada and European countries. Since 197s, Hongkong, Taiwan Province, Singaporeans and Malaysians have also started to handle credit card business.

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 the domestic economy, China's credit card market picked up in 216. By the end of 216, the total number of domestic credit cards had exceeded 59 million. In 216, the national credit card consumption transaction amount reached 741.81 trillion, an increase of 1.75%, and the proportion of credit card consumption in the total retail sales of social consumer goods continued to increase.

what about credit cards online?

first, you should choose a bank, and then choose the credit card service on the home page of this bank. If you want to apply for a card, you should fill in the form step by step, which must be your real name, ID number, address and company in .........., and finally submit it, and choose the outlet of the card-receiving bank.

(1) Application conditions for online credit card processing:

1. Urban and rural residents who have a fixed occupation and a stable income and whose work units are generally in their permanent residence.

3. Fill in the application form and sign it personally at the "Signature of the applicant".

(2) The following information is required for online credit card processing:

1. Copy of ID card, work certificate, income certificate, etc.

second, if you can also provide bank deposit certificates, real estate certificates, degree certificates, etc., the application approval process will be more convenient and fast.

3. If you are registered in a foreign country, an overseas person is applying for a local job, and an active officer applies for a credit card in his own name, some card-issuing banks may require you to issue a temporary account issued by the local public security department or a certificate (including a work certificate) issued by the relevant department.

iv. other conditions required by the issuing banks.

How to apply for a credit card online

Steps to apply for a credit card online:

1. Enter the bank credit card center in official website;

2. Select the appropriate credit card online and click "Apply Now";

3. Fill in personal ID number, home address, income and other information, and click Submit;

4. after the approval, there will be a face-to-face signing process. after the face-to-face signing is passed, new cards can be distributed.

legal basis

article 5 of the measures for the administration of bank card business

bank cards include credit cards and debit cards. Bank cards are divided into RMB cards and++cards according to different currencies; It is divided into corporate cards (business cards) and personal cards according to different issuers; According to different information carriers, it can be divided into magnetic stripe card and IC card.

process of online credit card application

online credit card application does not require proof of salary.

Take online credit card application of China Construction Bank as an example. The specific methods are as follows:

1. First, open the mobile phone client of China Construction Bank as shown in the following figure on the mobile phone.

2. Next, select Credit Card-Credit Card Application in the page.

3. Next, select the type of credit card in the page and click "Apply Online".

4. Next, continue to click online application at the bottom of the page.

5. Next, check the agreement on the page and click "Next".

6. Next, fill in your mailing address and other information, and click "Next".

7. Next, fill in some auxiliary information, and then click Submit Application.

8. After clicking Submit Application, you will see the prompt that the credit card application was submitted successfully.

what is the process of applying for a credit card online?

Take the online credit card application of Jilin Bank as an example. The specific methods are as follows:

First, open Baidu search, enter "Jilin Bank" in the search bar, find official website of Jilin Bank after the search and click Enter.

2. After entering official website of Jilin Bank, find the item "Credit Card" and click Enter.

3. After entering the credit card, find the item "Credit Card Application" and click Enter.

4. After entering the credit card application, select the type of credit card you want to apply for, and then click Apply Now to enter.

5. Enter the corresponding information according to the system requirements after entering.

VI. After the information is completely entered, agree to the service agreement, and then click to confirm the above information, thus completing the entire credit card application process.

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