Currently, banks such as Guangfa, Ping An, Industrial Bank, CITIC and Everbright can apply for cards online.

Notes on credit card online processing:

Application for credit card online is usually by appointment. You must fill out the application form on the credit card website and wait for the salesperson to contact you.

After the reservation is successful, the salesperson will apply for the card you applied for. The procedure is the same as the ordinary card application procedure. However, you need to provide your existing credit card or bill as an audit entry for the card. You need to provide Copy or photo.

Conditions for credit card application:

1. In the past six months, the credit card has no bad records, the consumption and repayment status are good, and there are no defaults or overdue payments. This is mainly due to the fact that banks’ approval of credit cards is based on the applicant’s previous credit history.

2. After opening the card, the usage time must meet the bank’s regulations.

3. The existing credit card limit should not be too low, and the period of using the card should not be less than the current year. It is recommended that if the quota is less than 5,000, do not consider this method.

Extended information:

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

A credit card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. 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.

The credit card stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on lt; the People's Republic of China and the Criminal Law of the People's Republic of China; and the relevant provisions on credit cards") refers to a credit card issued by a commercial bank or other financial institution. An electronic payment card issued by an institution with all or part of the functions of 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 Credit Card.

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 using a credit card, and repayment will be made on the billing date.

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 specified credit limit. The so-called credit card generally refers to a credit card only.

Reference material: Baidu Encyclopedia-Online card application