Is it easy to get approved for Zheshang Bank’s credit card?
It’s easy to get approved for Zheshang Bank’s credit card.
First, credit card rights are very broad. Which one is better? Not all credit cards of a certain bank are good, but it depends on where your consumption is concentrated, such as daily eating and drinking, online shopping, and business trips. wait. Therefore, there is no specific answer to which credit card is better. Here is a list of some of the better credit cards from some banks. I hope it will be helpful.
ICBC: No. 1 Bank in the World Features: No handling fees for cash withdrawals, fast withdrawals, free SMS reminders for consumption, 56-day interest-free period, and no interest on the part that has been repaid when the repayment is not in full. , points are of little use; credit card recommendation: ICBC American Express Clear Card has a transparent design and eye-catching appearance; free drinks of Internet celebrity desserts such as Starbucks, Naixue Tea, Lele Tea, Manji Desserts, etc., when you spend 999 yuan or more in the month, You can enjoy it the next month; the annual fee is easily waived if you spend 5 times or a total of RMB 5,000; you can accumulate points by binding WeChat, which is suitable for friends who frequently pay with WeChat.
2. China Construction Bank: a friendly bank for card processing
Features: low application threshold, relatively large number of preferential merchants, points can be exchanged for miles, no SMS notification, relatively short interest-free period 50 days;
Credit card recommendation: CCB American Express Roseme Card
The card has many benefits and a wide range, but you only need to use half of them to make money. Membership of Bicester (Yi Oulai) Shopping Village enhances the shopping experience; free care, 1 moisturizing and locking care, 1 eye care, experience high-end beauty care; group teeth cleaning, 2 people go together for free; 30 Paradise , 2 adult tickets come with 1 child ticket, a great place to entertain children during the summer vacation; try your luck and grab a 30-yuan Starbucks voucher worth 3.7 yuan, etc.
3. Agricultural Bank of China: a bank that is more friendly to the people
Features: many activities, many branches, fast quota increase, 56-day interest-free period, text message reminder, high threshold, low quota, The approval time is longer, points = 0;
Credit card recommendation: Agricultural Bank of China American Express Cute Theme Credit Card
Suitable for pet lovers. The annual fee is waived for the first year, and the annual fee is waived for the next year after 12 subscriptions. You can DIY the card surface and print your master's head on it; or you can choose one of 6 types of card surfaces, including cats, dogs, and ducks. Benefits cover pet-friendly restaurants, pet supplies, pet hotels, and even pet insurance, etc., taking care of all the needs of pets.
How to apply for Zheshang Bank VISA standard card? What are the requirements?
The Zheshang Bank VISA Standard Card is a very good credit card and is very suitable for use abroad. Many cardholders are attracted by the benefits of this credit card and want to apply for one, but they don’t know what conditions need to be met and how to apply. Let’s find out together.
1. Application conditions
1. Basic conditions: Any individual who is over 18 years old, has full capacity for civil conduct, and has legal and stable income can apply to Zheshang Bank. Primary credit card. The main cardholder can apply for a supplementary card for individuals over 14 years old.
2. Household registration requirements: All residents in my country can apply for a Zheshang Bank credit card.
2. Required documents
1. Identity documents: A copy of the second-generation resident ID card or military officer ID card.
2. Work certificate documents (please provide any of the following work certificates): valid work permit, original work certificate with official seal of the unit, labor contract, provident fund, social insurance, pension insurance certificate, Income tax withholding certificate.
3. Supporting materials for Zheshang Bank credit card application: self-owned house property ownership certificate, bank savings, bank financial management certificate, own car driving license (copy of front and back).
3. Application process
Finally, fill in the relevant information step by step according to the prompts on the application page, and then submit to complete the application.
4. Application time
Follow Zheshang Bank’s official WeChat account and you can check the card application progress at any time. Generally, it takes about 40 days from submitting the card application materials to getting the card.
After receiving the credit card application materials from various local cities, the credit card center must review and file them. This process takes 15 days. The next step is to make the cards, a process that usually takes two days.
The final step is to mail the prepared Zheshang Bank VISA standard card to the cardholder by registered mail, which usually takes 7 to 15 days. In addition to the possible delays between each link, it is normal to get the card in 40 days.
Zheshang Bank VISA Standard Card
(Six major fees such as text messages are free of charge, tax refund discounts for studying abroad and overseas shopping)
Zheshang Bank has a good credit card ?
If not sure, it can usually be passed easily. In fact, whether Zheshang Bank's credit card review is strict and whether the pass rate is high mainly depends on the applicant himself. After all, "there are a thousand Hamlets in the eyes of a thousand people."
Of course, as a local commercial bank, Zheshang Bank has a relatively low application threshold and a relatively high pass rate. If you want a high approval rate for Zheshang Bank's credit cards, applicants need to meet the application conditions.
What are the application conditions for Zheshang Bank’s credit card?
1. Applicants need to meet certain age conditions: over 18 years old and under 65 years old. Once the applicant's age is outside this range, he cannot apply for a Zheshang Bank credit card.
2. The applicant needs to be a natural person with full civil capacity and a valid identity document.
3. Applicants need to have good personal credit and cannot be late, cash out or have other bad behaviors. Relatively speaking, banks still pay more attention to applicants’ personal credit issues.
4. Applicants need to have a stable job and legal source of income to ensure their ability to repay credit card accounts, and provide proof of employment and income stamped with the official seal of the company.
5. Applicants need to have a certain financial foundation and provide certain financial proof to the bank, such as real estate certificates, car driving licenses, stocks, bonds, bank certificates of deposit, etc. with the applicant’s name on them.
Generally, credit card results are only available so quickly when you apply online. Most bank online applications are approved and rejected within seconds. After passing the preliminary review, when you receive the credit card, you can take the card with you, find an outlet at random, have an interview and activate it, and then you can use it normally. Therefore, generally after passing the preliminary review, there will be basically no problem with face-to-face activation. However, at some banks, it is easy to be rejected during the interview. For example, Everbright and Agricultural Bank of China.
If the processing channel is not online application, then there is generally no preliminary review. Even if there is, you can't see it. Generally, after receiving the card, you can use it immediately after calling or activating the software. However, even if you apply for a credit card online, you will not be able to open the card yourself after you get the credit card. You need to go to a bank branch for an interview, and then you can activate the password and make normal purchases. The reason is that credit cards must meet the "three personal requirements." The so-called three-person seeing means seeing your ID card with your own eyes, seeing your ID card with your own eyes, and seeing your signature with your own eyes. This is an essential part of credit card application. Therefore, passing the preliminary review does not mean that it is approved. Only after the interview is completed, it is truly approved.
Since the current interview process is very simple, just go through a process, so everyone thinks that as long as the credit card passes the preliminary review, it will basically be approved. But it is true that most banks do the same. If your credit card passes the preliminary review, wait a few days after receiving the credit card, and then take the credit card to any branch for an interview. There are generally three methods of face-to-face interviews. A teller will help you face-to-face and activate. One is for the lobby manager to use a pad to verify your ID card and then help you face-to-face and activate. The other is self-service face-to-face activation, which uses the bank's VTM machine for self-service remote face-to-face activation. No matter what kind of interview it is, it is basically a formality now, but if you ask too many questions, you just need to make sure it is the person you are. So in a sense, passing the preliminary review means that the card has been approved.
Can I use the Zheshang Bank’s salary card that my company has issued for me? Or do I need to change my password?
The Zheshang Bank’s salary card that my company has issued for me , can I use it after I receive it, or do I need to change my password?
Can I use the Zheshang Bank salary card that my company issued for me after I receive it, or do I need to change my password?
1. Apply for a Zheshang Bank credit card online
Enter the official website of Zheshang Bank, select the corresponding credit card as needed, and click Apply Now under it.
2. Credit card activation process:
(1) Self-service activation of telephone banking
(2) Online banking activation
1. Log in Activated personal online banking - credit card - card management - card activation.
2. Enter the corresponding information according to the prompts on the page, enter the Zheshang e-password, and click OK after checking it is correct.
3. Set query password and transaction password (there is no need to set additional settings for expired card replacement or damaged card replacement)
4. Successfully activate the card
(3) Mobile banking activation
1. Log in to the activated personal mobile banking - credit card - card activation.
2. Enter the corresponding information according to the prompts on the page, enter the transaction password, and click OK after verifying that it is correct.
3. Set the transaction password and choose the password-based consumption method (there is no need to set it separately if the card is expired or damaged)
4. The card is successfully activated
Is it okay to use ICBC’s salary card without a password?
I don’t understand. The bank card is your money, so why should there be no password? If the card is lost or cannot be found, it would be unsafe without a password. Compared with this risk, setting a password is much easier!
It has been four days since the bank card was reported lost. I want to re-apply tomorrow. Can I do it? Can it be used once it is done? It still takes five days.
If you want to report the loss of a bank card and get the original number, it will take half a month. It will take a week to change the number. After getting the card, you have to activate it at the counter or automatic terminal again before you can use it. The amount inside will not change.
Can Zheshang Bank use a credit card to apply for a card?
Hello
Yes, cardholders generally need to use the original credit card for more than 6 months. You can apply for another credit card at another bank.
For ICBC, the required card holding time is relatively short. ICBC credit card holders only need to use the card for more than 3 months to apply for a card.
I am a temporary worker. The company issued me a salary card today. Do I have to go to the bank to activate it before I can use it?
The Bank of China salary card activation process:
< p>1. The Bank of China savings card issued by the company must be activated at the bank counter;2. Bring your ID card and bank card, go to the bank to get the number and queue up;
3 . Submit your ID card and bank card to the bank staff to apply for card activation;
4. Set the bank card password and complete activation.
Note:
1. If you need to go to the counter to activate it yourself, and it still cannot be used after activation, you need to consult the bank customer service.
2. If it has been enabled, it means that a password has been set and you need to know the password before you can use it.
Can I apply for a credit card with the salary card of China Merchants Bank? The company is a Fortune 500 company
If you apply for a China Merchants Bank credit card, there is a local China Merchants Bank, and you are 18-60 years old. If you can provide You can try to apply for your ID card, work certificate and income certificate. If you apply for a car card, you need to attach a photocopy of the driving license in your name. If the local branch has clear regulations, you need to follow the local branch regulations. Check the credit card status. The final audit results shall prevail.
Can Zheshang Bank credit card be repaid online with other banks?
Yes, any bank credit card can be used to repay via online banking transfer with any bank card debit card. The prerequisite is that the debit card must be opened for online banking. There are very few handling fees for inter-bank and inter-province transfers and repayments.
Can an ICBC card be used as a salary card for Lianmao?
If Lianmao company opens an account with ICBC, it can use an ICBC debit card as a salary card.
I forgot the password of my ICBC card. I changed the password at the bank and it will take 7 days before it can be used.
I forgot the password of the ICBC card. After I changed the password at the bank, it will take 7 days before it can be used:
1. If the bank card has been locked and the password is forgotten, it will take 7 days to reset the password before it can be used.
2. If you still remember the previous password, you can unlock it on the spot and use it.
3. If the card is not locked and you forget the password, you can go to the bank counter to reset the password. You can use it immediately after changing it.
Note: If the bank card is locked, you must go to an outlet to unlock it.
Can Zheshang Bank cards be used to withdraw money from Agricultural Bank of China?
Yes.
Please transfer money through Agricultural Bank of China online banking, mobile banking, transfer from Agricultural Bank of China business hall, or transfer through Agricultural Bank of China terminals across banks.
Bank of China: Withdrawals from ATMs of other banks in the same city by cardholders are RMB 4 per transaction; withdrawals from ATMs from other banks within the province are RMB 9 per transaction; withdrawals from ATMs from other banks outside the province are RMB 12 per transaction. Pen; withdraw money from overseas ATM, 15 yuan/pen. It is reported that the original charging standards of Bank of China were: 2 yuan/transaction for inter-bank transactions in the same city, and 7 yuan/transaction for inter-bank transactions within the province.
China Construction Bank: For inter-bank withdrawals in the same city, 0.5% plus 2 yuan/transaction will be charged; for cross-bank withdrawals in different places (within/outside the province), 1% plus 2 yuan/transaction will be charged.
Agricultural Bank of China: Inter-bank transfers within the same city and within the province charge 2 yuan/transaction, and inter-bank transfers outside the province charge 1% plus 2 yuan/transaction.
Industrial and Commercial Bank of China: 4 yuan/transaction for inter-bank transactions in the same city, 1% for inter-bank transactions in other places (within/outside the province) plus 2 yuan/transaction.
China Merchants Bank: Inter-bank transactions within the same city and within the province charge 2 yuan/transaction, and inter-bank transactions outside the province charge 0.5% plus 2 yuan/transaction.
Bank of Communications: 2 yuan/transaction for inter-bank transfers in the same city, 0.8% for inter-bank transfers in other places (inside/outside the province) plus 2 yuan/transaction, minimum 10 yuan/transaction, maximum 100 yuan/transaction.
Minsheng Bank: The first three transactions within the same city are free, and then 2 yuan/transaction, and the inter-bank transactions in different places (within/outside the province) are 5 yuan/transaction
Hua Xia Bank: The inter-bank transactions in the same city are free, and the inter-bank transactions in different places are free (Within/outside the province, the first transaction is free) Cross-bank transaction is 2 yuan/transaction.
CITIC Bank: The first two transactions per month for inter-bank transactions within the same city and within the province are free of charge, with the third transaction starting from 2 yuan per transaction, and 0.5% for inter-bank transactions outside the province, with a maximum of 200 yuan.
Shanghai Pudong Development Bank: 2 yuan per transaction for inter-bank transfers in the same city, 0.5% of the withdrawal amount for each inter-bank withdrawal within the province, and 0.5% for each withdrawal amount outside the province, with a minimum of 5 yuan, and 18 yuan/transaction for overseas transactions such as Hong Kong.
Shenzhen Development Bank: 1% is charged for each transaction between banks in the same city and between banks in different places (within/outside the province), with a minimum of 10 yuan/transaction.
Industrial Bank: The first three transactions within the same city/different place (within the province/outside the province) are free of charge, and the fourth transaction will be charged 2 yuan/transaction.
This concludes the introduction to Zheshang Bank credit card application and Zheshang Bank credit card application progress inquiry. Have you found the information you need?