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.

How to handle the credit card

The credit card processing method is as follows:

1. Prepare the materials. To go to the bank to apply for a credit card, you must first prepare the corresponding processing materials, generally including the original ID card, work certificate, income certificate and so on.

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

3. Fill in the card application materials. Generally, after getting the number, you can ask the lobby manager of the bank 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 information required is accurate and cannot be smeared.

4. Submit information. After filling in the corresponding information, wait until the bank counter calls the number and calls the number you get, then go to the counter and submit the information needed to apply for the card, waiting for the bank's audit.

5. Counter audit. After receiving your audit data, the bank counter staff will review the data according to the corresponding regulations of the bank to see if it meets the conditions for handling credit cards. If it meets the requirements, it will pass the audit. If it cannot handle cards, it will inform the reasons for not handling them.

6. Card issuance is activated. If the bank has passed the card application, the bank counter staff will send you the card in time and help you activate it. Since then, your credit card has been successfully processed.

How to handle a credit card

The process of handling a personal credit card is as follows:

1. If you want to decide which bank to handle first, you can visit the major banks in official website for details.

2. Apply. After deciding which bank to apply for a credit card, you can find time to apply directly at the business outlets. Some banks can also apply in official website, and many banks will set up offices outside. Just pay more attention.

3. Fill in the form and fill in the relevant information according to the staff's instructions. Review, fill in the information and submit it to the bank for review.

4. Card issuance. After approval, the card will generally 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.

5. 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 you submitted, social security, bank records, etc. If you feel that it is not enough, you can apply to the bank for a temporary limit or a fixed limit.

Legal basis: Article 57 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks

Paragraph 2

When the card-issuing bank receives the repayment from the cardholder, it will repay all the arrears in its credit card account in the following order: if the payment is overdue for 1-9 days (inclusive), it will be repaid in the order of interest or expenses first and principal later; If it is overdue for more than 91 days, it shall be repaid in the order of principal first, interest receivable later or various expenses.

how to apply for a credit card?

1. Application

In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in Chinese mainland) and have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

people who apply for credit cards can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China. Each unit can get a main card and several (5-1) supplementary cards when applying for a credit card. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

generally, the application method is to fill in a credit card application form, and the contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant. And submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate. The application form is accompanied by a contract for using a credit card. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, submit a statement on the authenticity of the information, the privacy protection policy of the issuing bank, etc., and must have the applicant's autograph. [8]

2. Review

After receiving the application form and relevant materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the review mainly include whether the contents of the application form are true or not, evaluating the credit degree of the applicant, and reviewing the relevant information of the guarantor for the individual.

usually, the bank will examine the applicant's various information and economic situation according to the application materials to judge whether to issue a credit card to the applicant. The factors considered are the applicant's past credit history, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. The standards of different card-issuing banks are also different. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.

3. card issuing

after the applicant successfully applies for a credit card, the card issuing bank will open a separate credit card account for the cardholder at the card issuing bank for shopping, consumption and settlement after cash withdrawal.

4. card opening

since the credit card application is approved and the card is sent by post, there is no guarantee that the recipient is the applicant. In order to protect the applicant and the bank from theft, the credit card has a card opening program before it is officially opened. Card opening is mainly through telephone or internet, etc., to check the relevant personal information provided at the time of application, and complete the card opening procedure after it meets the requirements. At this time, the applicant becomes the card holder, and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card.

after accepting a credit card, a credit card merchant or bank should review the validity of the credit card and the identity of the cardholder.

5. Identify

at least the following information on the card face of the credit card:

Front: name and logo of the issuing bank, credit card type (organization logo) and holographic anti-counterfeiting mark, English or pinyin name, activation date (generally calculated to month) and expiration date (generally calculated to month). The latest card is attached with a chip on the front, and the chip account and the card magnetic stripe account are two relatively independent accounts.

back: card magnetic stripe, cardholder's signature column (which must be signed after activation), service hotline, the last four digits or all (to prevent fraudulent use), and credit card security code (the three digits immediately after the last four digits on the signature column on the back of the credit card are used for credit card activation, password management, TV, telephone and online transactions, etc.).

6. authorize

the merchant and the bank to confirm the validity of the credit card and contact the bank according to the contract signed with the issuing bank to request authorization. Authorization is the amount that can be used to further prove the identity of the cardholder. Authorization is generally carried out when the use amount stipulated in the contract is exceeded.

after receiving the authorization notice, the card-issuing bank will issue an authorization instruction according to the balance of the cardholder's deposit account and the agreement that the bank allows overdraft, and reply whether to agree to the transaction.

7. The use of

credit cards is usually limited to the cardholder's own use, and lending them to others is generally a violation of the use contract.

how to apply for a credit card?

the first credit card application method is: the applicant applies 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 it will take about 3 weeks to get the card after successfully submitting the information. " Legal basis: As a civil act, the credit card business is stipulated in principle by the General Principles of Civil Law, Contract Law, Criminal Law, China People's Bank 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.

how to apply for a credit card and what do you need?

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 how to do credit cards.