The credit card processing process is as follows:

1. Applicants apply for a credit card application form at a business outlet, or log on to the bank in official website to apply;

2. Fill in the application materials truthfully. Credit card application forms usually contain personal basic information, professional information, credit information and contact information. These information are all required information for applying for a credit card, and banks need to use this information to check whether the applicant is qualified to apply for a credit card.

3. Submit the application form and application materials to the bank. When submitting the credit card application form to the bank, the applicant also needs to provide a copy of his valid ID card, work certificate, financial proof and other materials. In order to successfully apply for a credit card, it is suggested that the applicant can provide more information, such as our deposit certificate, income certificate, property certificate, vehicle certificate and so on.

4. After receiving the application materials provided by the applicant, the bank credit card center will systematically review the applicant's information and determine the credit limit. After the approval, the card will be made, and then the credit card will be mailed to the address filled in when you apply for a credit card.

how is the interest on credit cards calculated?

Credit cards generally have an interest-free period of 3 days, and consumers will not charge interest as long as they pay off their debts within the interest-free period. When overdue, interest is generally calculated at the daily interest rate of .5%. If overdue exceeds 3 days, some banks will calculate interest at the daily interest rate of .1%.