How to open a credit card

There are three ways:

1. Call customer service to activate it.

2. Open online banking.

3. Local outlet counters are open.

If you are applying for a China Merchants Bank credit card, you need to be between 18 and 60 years old. If you can provide an ID card (the temporary ID card requires a second-generation temporary ID card valid for more than 3 months and a copy of the household registration book), work You can try to apply for certificates and proof of income. If you apply for a car card, you need to attach a copy of the driving license in your name. If the local branch has clear regulations, the local branch regulations need to prevail. The verification of the credit card is subject to the final review result. shall prevail.

You can log in to the credit card website, select "Credit Card Application" - "New Customer Application Channel", apply through the "Easy Appointment, Door-to-Door Application" online banking application appointment platform, fill in simple appointment information online, and wait for bank review , if you pass the preliminary review, our bank will first conduct a preliminary review. If you pass the preliminary review, there are two subsequent card application processes. One is if you pass the preliminary review, a card application officer will contact you to come to collect the card; the other is that you will receive a text message from our bank. The notification will ask you to go to the branch to sign and confirm the application or issue you a card directly. You can go to the counter to sign and activate the card. The details will be subject to the notification from our bank after the preliminary review is passed.

If you have already obtained the card and want to activate it, there are four common channels for self-service activation with the card:

1. Log in to the credit card website and click "Open Card (New Card Activation)" on the right ” and follow the prompts.

2. Select Selected - All - Card Management - One-click card activation on the Palm Life APP. You can also open a card by entering information according to the prompts.

3. Follow "China Merchants Bank Credit Card" on WeChat, click on the card opening progress and follow the prompts.

4. Dial 4008205555-4# to open the card - just follow the prompts.

Warm reminder: Please sign on the back of the card and keep it consistent with the signature on the application form.

If the card has been issued and you receive a text message asking you to go to any China Merchants Bank counter to sign in, you need to go to the counter for face-to-face activation. Please bring the face-to-face text message, original ID card and credit card to any CMB counter in person.

Requirements for applying for a credit card:

First: Proof of income. Applicants are required to fill in the name of their unit, as well as their monthly salary and job position. This needs to be filled out truly, because the bank will confirm whether the applicant has sufficient repayment ability based on income.

Second: Credit report. The personal credit report must be good. If there has been an overdue loan or unpaid debt, then the application will be more difficult to pass. Credit reference is also a bank's measure of whether the applicant's credit is good, which will largely determine the success rate of the application.

Third: Proof of identity. Applicants are required to be adults over 18 years old and provide true and valid documents. Such as: ID card, passport, military ID card, etc.

The bank will verify and evaluate the applicant based on the above three conditions, and because everyone’s situation is different, the credit card limit applied for is also different. If the overall conditions are better, then the credit card The amount will be higher.

How to activate a credit card

Nowadays, many young friends have applied for credit cards, and some have more than one, but many people do not know how to effectively activate their credit cards. , the credit card cannot be used regularly if it is not activated, so how to activate the credit card?

1. Branch activation: Cardholders can bring their ID cards and credit cards to the card-issuing bank branch, apply to the staff to activate the credit card, then fill in the form and submit the information to the staff. After approval, the card can be activated. .

2. Activation by customer service phone: Cardholders can call the customer service phone number of the credit card center. After being connected, follow the prompts to transfer to manual service. Then apply to the staff to activate the card and provide personal information such as credit card and ID number. After completing the identity verification, you can successfully activate.

3. Online banking activation: Cardholders can log in to the card-issuing bank’s online banking to activate the credit card. Taking the ICBC credit card as an example, after logging into ICBC personal online banking, select “Bank Card Services” in the personal account "Peony Card Activation", click to enter the interface, then follow the prompts to enter your credit card, card validity period, name, ID number and other relevant information, then click the "Confirm" button, and finally set the credit card password and confirm to activate the ICBC credit card.

The above is the credit card activation method I shared with you. Friends in need can learn about it. I hope it can help you.

How to open a credit card and prepare these in advance?

The emergence of credit cards has made our lives more convenient. The method of opening a credit card is also very simple:

1. First determine the type of credit card you want to open. There are several types of credit cards: regular card, gold card, platinum card (or diamond card), and black card. Generally, the most common ones are regular cards and gold cards. Different types of credit cards have different application conditions.

2. After determining the type of credit card to be opened, you must also determine whether you meet the conditions for applying for a credit card. The credit card application conditions given by each bank are different, but the requirements for some basic conditions are similar. It can be divided into these four categories: 1. Chinese adult citizens under the age of 65. 2. Documents, identification documents and other materials have not expired. 3. Have a stable source of income or a certain amount of savings (with the ability to repay) or a stable job. 4. The credit record has no bad records such as breach of contract and arrears.

3. After confirming that you meet the conditions for applying for a credit card, you can start preparing the relevant documents and supporting materials for applying for a credit card. For example, take the ordinary card as an example: first prepare your ID card and a copy, and then prepare your income source certificate, employment certificate, real estate certificate, car certificate or bank deposit certificate and other supporting materials, and you can go to the bank to apply. credit card.

4. Go to the bank branch to get a number, go to the counter after queuing and apply to the sales staff for opening a credit card. After filling in the application form, submit the certificates and supporting materials to the salesperson along with the application form. The counter clerk will check the completeness of the required materials. After passing the preliminary inspection, they will be handed over to the bank's credit card business center for review. The review time is generally 5 to 7 working days.

5. After the application is approved, the bank will notify the applicant by email, phone call or text message that the application has been approved. And create a credit card for the applicant within 2 to 3 working days. After the production is completed, it will be mailed to the applicant by registered mail within 7 working days.

6. After getting the credit card, call the customer service number on the back of the credit card and follow the prompts to activate the credit card. This makes it easy to use.

How to open a credit card? What are the requirements?

How to open a credit card:

You need to apply at a bank branch. Application generally requires ID card, work permit, social security card, and proof of personal salary and income (you need to go to the financial department of the company where you work) issuance), bank deposit certificate (check and print at the deposit bank counter), etc., and fill in the credit card application form.

After the bank receives your card application, it will take a week to half a month The information you filled in the application form will be reviewed within a certain time, and your personal credit status will be checked and scored. Only if the score is passed will the card be opened for you and the card will be mailed to the address you filled in the credit card application form. Address.

Conditions for opening a credit card:

Application location:

1. Local bank branch;

2. Work at the bank’s credit card center Personnel;

3. Some banks (industrial and commercial construction, etc.) support application through online banking.

Application conditions:

1. A person who is over 18 years old and has full capacity for conduct;

2. A person with stable repayment ability.

Submit proof:

1. ID card (required);

2. Proof of work or income;

3. Yourself Proof of property, vehicles and other assets in your name;

4. Social security;

5. Other banks, credit cards, etc.

Each bank has different standards for receiving documents, so not all of the above information is required. It depends on the bank’s requirements. Proof of employment or income is very important.

CreditCard, also called credit card. It is a non-cash transaction payment method and a simple credit service.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on the Provisions on Credit Cards of the People's Republic of China and the Criminal Law of the People's Republic of China") refer to credit cards issued by commercial banks or other financial institutions. An electronic payment card with full or partial functions such as consumer payment, credit loan, 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.

A credit card is generally a special carrier plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. The name of the card issuer, validity period, number, cardholder name, etc. are printed on the front, and there is a chip on the back. Magnetic strip, signature strip. Cardholders can use their credit cards to shop and spend money with special entities and deposit and withdraw cash from banks.

There is no need to pay cash when making purchases with a credit card. Repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.