Bank card refers to a credit payment tool issued by commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes. The application of bank card automatic settlement system makes the dream of "no cheque, no cash society" come true.
Debit cards (transfer cards, special cards and stored-value cards)
You don't need much information if you want to apply for a debit card. Applicants can go directly to the bank counter with their ID cards and 50 yuan cash.
Matters needing attention in handling debit cards:
First, the annual bank card fee.
Some banks will charge applicants a certain annual fee, generally 10 yuan, which is charged once a year at a fixed time. If the bank card applied by the applicant is only used once, you can consider canceling the card after use to avoid paying more annual fees.
Second, whether to open e-commerce.
When handling bank cards, bank staff will actively recommend you to handle related electronic services, such as online banking and mobile banking. For this kind of business, customers can freely choose to handle it, and there is no binding. Users should handle it according to their own needs.
Third, the opening of third-party accounts.
Common tripartite accounts are financial accounts such as fund accounts, stock accounts and precious metal accounts. For customers with financial needs in this area, when handling bank cards, they can ask bank staff to open them together. It should be noted that a stock account can only sign an agreement with one bank account. If you want to change banks, you need to cancel the contract of the previous bank account first.
Second, credit cards (credit cards, quasi-credit cards)
If you want to apply for a credit card, you need to prepare much more materials than a debit card. Applicants not only need to bring their own identity cards, but also need to provide local accounts or residence certificates. In addition, the applicant also needs to provide proof of personal work income, proof of assets and so on.
First, prepare information.
1, identification, household registration or residence.
Need to provide the identity information of the credit card applicant, such as: ID card, military officer's card (including a copy);
You also need to provide your home address, such as passport, household registration book and copy of residence permit.
2. Work certificate
It is also important to have a stable job and income. If you can't see the work certificate, the bank can't judge whether the applicant has the ability to repay, and it is very difficult to approve the card.
Bring the original work certificate issued by the employer (stamped with the official seal of the company) and a copy.
3. Proof of financial resources
For example: the bank running bill of the last three months' salary, the social security payment certificate, etc.
If you have a car and a house, you'd better provide real estate license and car driving license. These materials can prove the economic level of the applicant.
Second, fill out the credit card processing form and go to the bank counter to handle it.
Bring information to the bank counter, fill in the credit card application form, submit materials and apply for a credit card under the guidance of the staff.
Third, provide relevant information on the internet of major banks and get credit cards after verification.
Note that online processing is convenient and fast, but it takes time to review.