The credit card processing method is 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 prepare 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, you can ask the bank lobby manager how to fill in the information after taking the number, 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 for the phone call from the bank counter. After getting the number, go to the counter to submit the information needed to apply for the card and wait for the bank to review it.

5. Anti-audit. After receiving your audit data, the 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 there is, it has passed the audit. If you can't do it, it will tell you why.

6. Hairpins are activated. If the bank has 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:

First, the advantages and disadvantages of doing a credit card:

(a) Benefits of credit cards:

1. If there is no deposit for overdraft consumption, you can enjoy an interest-free period of 20 to 56 days.

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. Accessory card function, you can manage your finances together, and you can also master your child's financial expenses.

9. In the form of one card and two coins, you can repay in domestic RMB when you spend abroad.

10, 24-hour service hotline, loss reporting takes effect immediately.

1 1. 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 relatively high.

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.

Summary of bank credit card application conditions

1. Credit card application conditions of China CITIC Bank: copy of ID card; Salary certificate or business card and photo badge.

2. Agricultural Bank credit card application conditions: copy of ID card; Copy of salary certificate or business card and social security card (for example, ABC only accepts Xiamen Airlines' business card and badge), and other small and medium-sized companies must have salary certificate.

3. ICBC credit card processing conditions: a copy of the ID card; Salary certificate or business card and photo badge.

4. CCB credit card processing conditions: copy of ID card; Salary certificate or business card and photo badge. Social security and medical insurance must be paid continuously for more than 6 months.

5. Credit card application conditions of China Merchants Bank: copy of ID card; Payslip is either a business card or a photo. The company has its own website (the company can search in Baidu). The service industry application must have a copy of the real estate license and open a savings card account in China Merchants Bank.

6. Bank of Communications credit card application conditions: copy of ID card; The salary certificate is either a business card or an ID photo (there is also a youth certificate, aged 18-29, graduated from class of 03-06, and you can apply by providing a copy of the diploma of junior college or above. Of course, it is better to have a salary certificate).

7. Minsheng Bank credit card application conditions: copy of ID card; Payslip is either a business card or a photo. The social security and medical insurance of the village must be paid for more than 6 months on the ID card, or a copy of its own real estate license; (except for those who have held credit cards for more than 6 months), local household registration only needs to provide personal salary certificate.

8. Credit card application conditions of China Everbright Bank: copy of ID card; Salary certificate or business card and photo badge. For non-local accounts, please attach a credit card consumption statement.

9. China Bank Credit Card Application Conditions: Copy of ID card; Salary certificate, except for the service industry, the badge of a unit with good credit can also be used.

10, Industrial Bank credit card application conditions: copy of ID card; Wage certificate, social security and medical insurance must be paid for more than 6 months, and the service industry generally does not approve the application.

Of course, the more materials you can provide, the higher the amount you can handle, such as a copy of real estate license, a copy of vehicle, a copy of social security card and medical insurance card, a copy of education certificate, a copy of professional title certificate, a copy of post certificate, a copy of water, electricity, gas, fixed telephone bills in the last three months, and a personal loan contract.

profit and loss statement

This is to certify that _ _ _ _ ID number () is an employee of our company, working in our company _ _ _, and has already worked in our company _ _ _.

Year _ _ _ month, annual income _ _ _ yuan; This card is only used for employees to apply for credit cards, and it is not used for other purposes. This is to certify that.

note:

Full name of unit:

Company telephone switchboard:

Address:

Company seal:

Date, year and month

How to apply for a bank credit card

1. Select a bank that wants to apply for a credit card. At present, all major banks have launched credit card business. Before applying for a credit card, you can check the details of the credit card on the official website of major banks.

2. After selecting the bank and credit card type, apply to the bank. At present, credit cards can be processed through bank outlets or directly at banks in official website.

3. Fill in the application materials. If it is an online application, users should fill in the credit card application information according to the website prompts, and generally need to fill in personal basic information, work unit, job position, income and other information. The more detailed the information, the better. Submit the application after completion.

4. Wait for the bank to review. Users can check the card processing progress through the bank official website or the customer service hotline.

First, the issuing bank will review the applicant's credit status after receiving the application form and related materials. The audit contents mainly include whether the contents of the application form are true, evaluating the applicant's credit rating, and personally auditing the guarantor information.

According to the application materials, the bank examines the applicant's information and economic situation to decide whether to issue a credit card to the applicant. The factors to be considered are the applicant's past credit record, the applicant's known assets, professional characteristics, etc.

The specific factors and process of the issuer's audit are trade secrets, which are difficult for the outside world to understand. The standards of each issuing bank are 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.

Second, credit cards.

1. Credit card, also known as credit card, is a credit certificate issued by commercial banks or credit card companies to consumers who meet the credit conditions. It is in the form of a card with name, expiration date, number and cardholder's name printed on the front and magnetic stripe and signature strip printed on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

2. The credit card stipulated in the relevant laws of China (Interpretation of the NPC Standing Committee on Credit Card Clauses in the Criminal Law of People's Republic of China (PRC)) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17, 12, 1, the business English translation and writing standard was formally implemented, and the English name of the credit card standard was defined as credit card.

3. Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing date.

4. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and can overdraw within the specified credit limit when the balance of the reserve fund account is insufficient to pay. The credit card in question usually refers only to the credit card.

5.202 1 year 1 month 1 day, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate). On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.

Skills of handling large credit cards in major banks

Applying for a large credit card requires some tips, including real estate, bank deposits, work units, etc. , will affect the success rate of handling large credit cards, so introducing two methods can greatly improve the success rate, as follows:

1. Generally, no bank handles cards by card, and the new card is generally higher than the original card.

The premise is that you have a credit card now, and the amount may not be high, but it doesn't matter. Remind you to keep a good repayment credit record, even if you keep the minimum repayment amount every month. When I was in college, I only paid the minimum repayment amount every month for quite a while, but the bank called me on its own initiative and increased the quota for me. Or use a credit card for more than half a year, or you can take the initiative to apply for an increase in the quota through customer service phone. In this way, your existing credit card limit will continue to increase, which is more convenient for you to apply for a high credit card in the future.

2. When applying for a credit card, submit relevant property certificates. Such as automobile production, real estate.

In fact, for high-value credit cards, I personally understand that the threshold for not having a bank is high or low, but different banks have different requirements for property certificates. It is not enough to provide them casually, depending on whether the bank accepts them.

For example, Minsheng Bank, where I worked, divided the high credit cards into diamond cards (starting from 200,000 yuan), luxury platinum cards (starting from 80,000 yuan) and standard platinum cards (starting from 40,000 yuan). However, the bank does not accept the certificate of automobile production. Even if you have a famous car, the only acceptance condition is: using a card to handle a card or a real estate.

There is no need to provide any additional proof of assets to apply for a card: the applicant is required to use the credit card for more than half a year, and the credit limit of the card is at least 40,000 (the original credit limit is more than 40,000, and the standard platinum card can be applied, the luxury platinum card can be applied for more than 80,000, and the diamond card can be applied for more than 65,438+0.5 million).

Real estate purchase: the standard platinum card requires the real estate value to be more than 800,000 yuan, the luxury platinum card requires 6.5438+0.6 million yuan, and the diamond card requires more than 3.2 million yuan.

How to apply for a credit card?

The first credit card application method is: the applicant directly applies at the bank counter. If you apply in a bank, you must fill in the information directly. There are bank staff at the scene 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, more qualification certificates and wealth certificates can be issued, which is conducive to improving our final credit card limit. However, it will be relatively slow to review the credit card at the bank counter, because you have to report the information of the branch to the credit card center, and then the card center will review your information. Another way is to apply for a credit card online: now we can apply for a credit card in official website, but this way of applying for a card online is to fill in the information ourselves, which is more likely to lead to the problem of filling in the wrong information, which will lead to rejection. But online processing is mainly convenient without going out, as long as a mobile phone or computer can handle it. There is another way to handle credit cards: through the bank's credit card salesman. We can often see these bankers selling credit cards in shopping malls or other stores. This way of handling cards is to receive awards, but because they are all business personnel, the main purpose is to obtain performance. Therefore, we should carefully weigh some things that guarantee a high amount of credit and ensure card issuance, and don't believe it too much. The process of handling a credit card is 1. Prepare application materials. 2. After the materials are ready, you can apply to the bank or make an appointment online. 3. Then wait for the approval of the bank. 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 submitting the information successfully. "Legal basis: As a civil act, the credit card business has been stipulated in principle by the General Principles of Civil Law, Contract Law, Criminal Law, China People's Bank Law, Commercial Bank Law and other laws. 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. There are 65,438+03 items in the business scope of Article 3 of the Commercial Bank Law, and the credit school business belongs to 65,438+03 other businesses approved by the People's Bank of China. Violation of laws and regulations is invalid, and corresponding criminal responsibility should be borne.

What about the credit card?

1. Prepare materials in advance: users should first go to the issuing bank's business outlets and bring personal identification documents and other materials;

2. Apply for card opening: at the bank counter, indicate to the staff that you want to apply for a credit card, inquire about the type and grade of credit card that you like and are suitable for, and then explicitly apply for a credit card from the bank staff;

3. Qualification certificate approval: the bank will approve the applicant's qualification. The examination and approval work mainly focuses on the applicant's personal credit and repayment ability. After comprehensive evaluation, the bank decides whether to open a card for the applicant.

4. Card Issuance: After approval, the bank will issue a corresponding notice to inform the user of the expected credit card issuance time. After the applicant gets the card, the card can be used.

Classification of institutions:

According to the different card issuers, it can be divided into bank cards and non-bank cards.

Bank card: This is a credit card issued by the bank. Cardholders can shop at the special merchants of the issuing bank, or withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

Non-bank card: This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

Card issuing object:

According to the different issuing banks, it can be divided into corporate cards and personal cards.

Company card: the company card is issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, military units, organizations and other legal person organizations.

Personal card: Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

Credit status:

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary cards: Ordinary cards are issued to cardholders with average economic strength, reputation and status, and there are no high requirements for them.

Gold card: Gold card is a kind of advanced credit card, which pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.

Payment method:

Credit cards can be divided into credit cards and debit cards according to different payment methods.

Credit card: when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used internationally. In other words, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used for international circulation.

Debit card: a credit card issued by a bank that deposits first and then consumes. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance as a backup. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed.

At present, credit cards issued by domestic banks are basically debit cards, but cardholders are allowed to make goodwill, short-term and small overdrafts for consumption purposes. Set different limits according to different card types, repay within the prescribed time limit, and pay interest at the same time. So it is essentially a debit card with certain overdraft function.

Circulation scope:

Credit cards can be divided into international cards and regional cards according to their different circulation ranges.

International card: International card is a kind of credit card that can be used outside the issuing country and is universal. MasterCard, VISACard, AmericanExpressCard, JCBCard and DinersClubCard issued by five overseas groups (MasterCard, Visa International, American Express Card and DinersClubCard) are mostly international cards.

Regional card: A regional card is a credit card that can only be used in the issuing country or a certain region. Most credit cards issued by commercial banks in China belong to regional cards.

This concludes the introduction of how banks handle credit cards and how banks handle credit cards. I wonder if you have found the information you need?