At present, it is easier to handle. In order to promote the consumption and use of credit cards, major banks have introduced many preferential policies for handling cards, which have appropriately reduced the requirements for handling cards, simplified the process of handling cards as much as possible, and opened up various channels for handling cards. So it is relatively easy to apply for a credit card.
The requirements for handling a credit card are: (1) The age should not exceed the statutory retirement age. (2) Have a stable job and a stable income. (3) Have a good personal credit status. (4) Have a more active willingness to repay.
The credit card processing flow is: (1) application; -(2) fill in the information; -(3) submit for review; (4) business card printing and distribution; -(5) Card opening is activated.
Credit card application channels include bank counter application, mobile banking application, online banking application, WeChat official account application and cooperation platform application. Whether it is at the bank counter, online banking or using a mobile phone, you must apply for a credit card first. Before applying, you should prepare some applications and materials that will be used in the audit process.
After applying, select the types and types of credit cards that banks can apply for, then fill in personal information, personal financial status, card application and special requirements, and then submit the application to the background or bank credit card audit department. After submitting the application, the bank will contact the applicant for information review and confirmation. After the application is approved, a credit card will be made for the applicant and mailed to the credit card applicant.
You can't use the credit card directly after you get it. You must activate it to use it. Activation is mainly to enter the registration information in the banking system and set the credit card password. The method of credit card activation is generally written in the letter attached with the card. In addition, the letter will list in detail the benefits and benefits that can be enjoyed when using the card.
As long as the materials are complete and the credit information is not bad, it is quite easy to apply for a credit card.
Why do banks recommend credit cards? These are the main reasons!
I believe many people have this experience. The bank will send the user a reward message introducing the card. As long as the user introduces the generated QR code to friends and relatives, the introducer will get a certain reward after the other party successfully activates the card. Then someone asked, why did banks launch credit cards? Then let's talk about this problem briefly.
1. Why did banks launch credit cards?
1. Accurate positioning: Compared with bank salesmen going out for exhibitions and sweeping buildings, the new users introduced by this "peer-to-peer" method are more accurate in positioning, and most of them are people who need useful cards. Moreover, the bank lets the salesman work, and he needs to be paid every month. The introducer doesn't need it. Just give him a reward.
2. Complete the performance: Since the introduction of the card is effective and helpful to complete the performance requirements of the credit card business department, banks are naturally willing to adopt this method under the circumstances of low cost and good effect.
3. Business transformation: Since the introduced person has applied for a credit card in the bank, the bank will introduce him to other businesses, such as loans, funds and wealth management. As long as the card and repayment are normal and good. This can maximize the development of the "expected income potential" existing in customers.
The above is about "Why do banks launch credit cards?" The answer, I hope to help everyone. Generally speaking, it is not only beneficial for banks to get accurate potential customers at low cost, but also for referees to get rewards such as points. However, the introduced person should pay attention to the need to have his own needs, not lose face. After all, they have to pay back the money after the subsequent credit card.
Is the credit card easy to handle?
Credit card is a must.
Direct benefits of using a credit card:
1, easy to use: the credit card is very convenient to use, and you can use it to pay quickly with WeChat Alipay, thus avoiding the trouble of paying cash consumption and worrying about the danger of carrying too much cash with you.
2. Exclusive discount: Cardholders can hold credit cards and generally get additional services, such as giving away insurance and exclusive airport use rights. You can also participate in various preferential activities, such as ordering food at half price, watching movies for free, washing cars for free and so on.
3. Redemption of points: Credit cards can be swiped at cooperative merchants, so that consumption points can be accumulated. When the points meet the gift conditions, they are directly exchanged for goods. Even some banks can recharge their calling cards with points.
Let's talk about why credit cards are easy to handle recently.