I have never applied for a credit card, but my personal credit report shows that I had a credit card before. Why?

Someone may have stolen your ID card and applied for one. Now it is best to use your ID card to go to the bank to cancel it. Before you go, call the bank to check your credit. Has been hacked. I have also had a credit card that you have not applied for yourself, but the overdraft amount is 0. You can call the customer service hotline to cancel the two cards. For the specific reasons, you need to ask CCB. You can call the bank customer service hotline to inquire. It may be that you filled out two applications when filling out the application form, or it may be that you applied for a supplementary card at the same time as you applied for the main card. Regardless of whether it is a primary card, an additional card, or two primary cards, the credit limit is exclusive. If the credit limit on the card letter is 10,000 yuan, then after using one of the cards alone for 10,000 yuan, the other card cannot be used.

After receiving the credit card, you can first call the bank’s customer service hotline to open the card and set a password. If you have an online banking shield, you can also log in to online banking to open the card and set a password. Credit cards can be used for overdraft consumption and cash withdrawals. The limit of your credit card is indicated on the letter attached to the card. You can use it within this limit and repay it on time. The billing date is also marked on the card letter. After a transaction occurs on the card, the bill will be settled on the billing date. 20 days after the billing date is the due repayment date. For consumption, as long as the full payment is made before the due repayment date, you can enjoy consumption. Interest-free treatment

Credit card applications require your signature and approval. You can recall whether you have filled out a credit card application form when you went to an outlet to handle other business. If not, you can call the bank’s customer service hotline to report it. .

Someone may have stolen your ID card and applied for one. Now it is best to use your ID card to go to the bank to cancel it. Before you go, call the bank to check your credit. Has been hacked. It is estimated that your personal information was leaked and someone applied for a card! It’s best to ask the bank to check your credit report!

This is mainly due to the leakage of ID card information. I have a similar situation and it doesn’t have much impact. Maybe you filled in your personal information when registering your information at the bank and then someone used your information to open one for you. It doesn’t matter if you didn’t use it anyway. Maybe the bank made an error. Ask the bank clerk who did it. Maybe we can find out the reason.

I suddenly received a credit card without applying for it

It is generally rare to receive a credit card without applying for one, but if you do receive it, don’t worry too much. Credit cards are generally not activated, so we can just leave them alone. If we are not sure whether they are activated, we can call the bank for consultation. If it is activated, we can go to the bank to cancel it, but we can do it without our knowledge. Credit cards are generally not activated, because to activate a credit card, you need to take a photo with your ID card and upload it.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. 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.

According to different card issuers, they can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., and are used for purchasing tickets, meals, accommodation, entertainment, etc.

According to the different objects of issuance, it can be divided into corporate cards and personal cards

Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal organizations.

Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income.

A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.

According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

Gold Card. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.

What should I do if I receive a credit card from CCB without applying for a credit card

What should I do if I receive a credit card from CCB without applying for a credit card

Don’t worry yet , here it is recommended that you first go to the credit card website of China Construction Bank. There is a "Card Application Progress Query" on the homepage. After entering the information according to the requirements, you can see the card approval progress. There are specific card types. Combine the card types and recall from the following aspects. The situation of applying for a card

First, have you received a text message or phone call from China Construction Bank similar to inviting you to apply for a card, and have you passed the application?

Second, have you applied at a CCB branch? When doing business, you have to fill in the credit card application form

Third, have you ever shopped in some department stores, airports, etc.? When applying for a membership card, have you filled in the credit card application form of China Construction Bank (because some of CCB’s cards are joint shopping malls) , issued by an airline, both a membership card and a credit card)

Fourth, have you applied for the card through other self-service channels, such as websites, mobile banking, WeChat, etc.

If If you can't recall it, you can call CCB's customer service hotline to report it, and customer service can confirm it with the relevant department.

I did not apply for a credit card but received it

If it is a credit card from our bank, you need to call customer service for further verification and confirmation.

Call the credit card customer service hotline 4008205555 and enter the account opening ID number #---the system enters the verification process---9 to enter manual. For non-card holders, press 3# and then press 1--3 to enter manual according to voice requirements. Service.

What should I do if I receive a text message without applying for a credit card?

If it is a China Merchants Bank credit card, since Baidu is a third-party public *** network platform, we cannot directly verify your For actual personal information, if you do not hold the card or the card is not activated, please call our customer service hotline and transfer to 3# credit card application consultation-1-3 to manual service to help you check.

I have a CCB debit card and want to apply for a CCB credit card. Is it easy to apply?

It will be easier to apply if I have a bank statement

I have a CCB credit card. Can I apply for a CCB gold card if I have a credit card?

You can apply, but it is not recommended

It doesn’t make much sense

Because the same ID card is in the same ***Enjoy the limit for multiple credit cards handled by the same bank

If you have multiple credit cards from the same bank, you may need to bear more annual fees

I didn’t apply for a credit card, why did I receive one? Credit card express, trouble

This is a scammer, be careful! They will call you soon, ignore them and don't ask for the card.

I would like to apply for a CCB credit card. Can I apply for it with a credit card?

CCB credit card does not support credit cards from other banks.

CCB credit card There are roughly two types of application methods, one is to apply through online channels, and the other is to apply at outlets.

Applying for a credit card through online channels, such as mobile banking, WeChat, and CCB credit card website, does not require additional fees. For proof of financial resources, the bank will focus on the property of the landlord, social security, provident fund, personal tax, personal credit, etc., which can be checked online. If these are not paid much or have not been paid, this method is not very recommended

Apply at an outlet. This is the traditional method of applying for a credit card. When applying, you must bring your ID card, proof of work income (work permit from the unit, proof of employment, salary card statement (preferably more than 3 months), and recent 3 Monthly tax receipts, social insurance policies, provident fund receipts, etc. (not all of these are required, just have them). If you can attach some proof of financial resources, such as real estate, car ownership, and time deposit certificates from China Construction Bank, then it will be very helpful for applying for the card. helpful. (When proof of work income cannot be fully provided, it is best to have proof of financial resources)

I have a credit card from Zhang CCB.

I have been using it for half a year. Which bank can I go to to apply for a credit card?

Except China Merchants Bank, which cannot apply for a credit card, other banks can apply.

I have not applied for a credit card, nor have my family members. , but I received a CCB Long Card credit card today, what should I do? What's the reason?

Don't worry, I suggest you go to the CCB's credit card website first. There is a "Credit Card Service Hall" on the left. After you enter the information as required, you can check the card approval progress. There are specific card types in it. Combine the card types and recall the situation of applying for the card from the following aspects

First, have you ever received a text message or phone call from China Construction Bank similar to inviting you to apply for a card, and have you passed the application?

Second, have you ever filled in a credit card application form when doing business at a CCB branch?

Third, have you ever filled in a CCB credit card when applying for a membership card in some department stores, airports, etc. Application form (because some CCB cards are issued by joint shopping malls and airlines, and are both membership cards and credit cards)

Fourth, have you used other self-service channels, such as websites, mobile banking, WeChat, etc. Apply for a card

If you can’t recall it, you can call CCB’s customer service hotline to report it, and the customer service can confirm it with the relevant department.

If the poster has other questions, you can ask them

What should I do if I lose a CCB credit card?

If I lose my card, I have to call their 400 customer service immediately. To report the loss over the phone, you can look at the back of another card that is not lost and has this number on it. After reporting the loss, CCB will send you a new card. However, when formally reporting the loss of a credit card, China Construction Bank will deduct a 50 yuan loss reporting fee from the card. If your card is a magnetic stripe card, there is no additional fee for replacing the card. If it is a credit card with an IC chip, a card replacement fee of 10 yuan will be deducted. The new card will be sent within 3 working days, so when reporting the loss, you must confirm with customer service which address it will be sent to.

I didn’t apply for a credit card, why was a credit card sent to me?

A credit card will definitely be issued after you actively apply for it. You can call the bank’s customer service hotline to check the situation. If you do have a new card but you don’t know about it, you can ask the bank to check the specific application status.

What is going on? I have never applied for a credit card, and the bank sent me a credit card consumption information. What is going on?

What is going on? I have never applied for a credit card, and the bank sent me a credit card consumption information. What is going on?

Based on what you said, it is possible that your mobile phone number has been used by someone else before and has been bound to a credit card, so the other party has not used it before sending it to your phone. . It was reserved in the bank, so this situation occurred.

What should I do if my mobile phone number is registered for mobile banking by someone else?

It is recommended to call the bank center for consultation.

The text message received at the same time should contain the bound account.

There are two possibilities for this situation:

1. The card you purchased is not a new number and has been used by someone before.

2. When the account owner handles business at the Agricultural Bank of China, an error occurs. It may be a filling error or an input error by bank personnel.

The specific application process is as follows:

① With the assistance of the bank lobby staff, copy your ID card and queue up to get your number.

② Fill out an application form for business processing, select "Change reserved mobile phone" in the application business column, and attach the mobile phone number that needs to be bound. (If you have questions about other items in the application form, you can refer to the template provided by the bank, or you can consult the bank lobby manager. Different banks need to fill in different application form names. For example, ICBC needs to fill in the "Other Business Application Form".)

③After waiting for the number to be called, hand the bank card, original ID card, ID copy, and business application form to the counter staff to modify the settings and reserve the mobile phone.

What does a credit card mean?

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 designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

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.

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

This is the end of the introduction about how to get a credit card without a credit card and why there is no problem with credit, but you can’t apply for a credit card? Have you found the information you need?