How to apply for a credit card when opening an online store?

Online stores are self-employed, and individual industrial and commercial households need to provide information to apply for a credit card: 1. Business license and copy. 2. ID card and copy. 3. Debit card and copy. 4. Some banks also require individual industrial and commercial households to provide tax registration certificates, three-month tax payment certificates and other information. Just bring the above materials to the bank to apply.

I open a Taobao store, can I apply for a credit card?

Yes.

Credit card application conditions:

1. Aged 18 and below 65 years old;

2. My second-generation ID card;

3. Proof of employment and income certificate stamped with the financial seal of the unit;

4. No bad credit record;

5. Other proof of financial resources, such as real estate, cars, stocks , bonds, etc.

Being over 18 years old is a mandatory requirement for applying for a credit card. However, without proof of employment, it is easy to be rejected when applying for a credit card. Therefore, if you do not have an employer, it is best to have a fixed property or car under your name. assets. If you have a stable source of income, you can also go to the bank where the transaction occurs to obtain a bank statement and apply to the bank. If your income source is relatively stable, your application success rate is still very high.

Extended information:

Credit card application guide:

In most cases, those with full capacity for civil conduct (citizens over 18 years old in mainland China) Citizens with certain direct financial resources can apply for a credit card from the card issuing bank. Sometimes, legal persons can also be applicants.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country.

Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

The application form is accompanied by a contract for using the credit card. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have an application A person's autograph.

Baidu Encyclopedia - Credit Card

How do self-employed people apply for a credit card online?

Self-employed people are rich but have no job, so it is easy to be rejected when applying for a credit card. However, this does not mean that the self-employed have no connection with credit cards. As long as they master some card application skills, self-employed people can easily apply for a credit card.

But the problem is that there are many channels to apply for a credit card. Many self-employed people often do not have time to go to the bank counter to apply for a card, so they want to apply directly online. So, what should be done to successfully apply for the card? ? Let’s take a look below.

Applying for a credit card online is convenient and fast, but there are several hard conditions, requiring applicants to have a stable job and income. Obviously self-employed people cannot meet this standard, but fortunately, applying for a credit card online only requires filling out a form. That’s all. No work documents, income certificates, etc. are required.

When filling in the form for a self-employed person to apply for a credit card online, please pay attention to these two points:

1. Work address and work phone number

Some self-employed people fill in this part of the form. Xiang Hui is confused. He obviously doesn't have a job, so where can he find his work address and work phone number to fill in? In fact, these two items are not a big problem.

For self-employed individuals with a business license, the unit address can be filled in with the address on the business license. If you open an online store, you can only fill in the home address or the store of a family member or relative. It should be noted that the work address filled in usually defaults to the receiving address. If the place is far away from your current location, then you have to use your brain to send it on your credit card, call the bank to say that the shipment is lost, and ask for replacement. Send a credit card.

After the work address is solved, look at the work phone number again. If there is a landline in your store, write it from the store. If the store doesn’t write it from home, it’s fine. If you don’t write it from home, it won’t be from a relative or friend. If so, write down the phone number of the business store you know. These calls must be reachable, and you must greet them in advance to avoid not receiving a return call from the bank.

2. Personal income

Personal income in the credit card application form is also a required item. If you are working, just fill in your annual income. If you are self-employed and have no job, just fill in your business income. This It’s okay to write more. As for other form-filling items, you can make them up based on the actual situation.

Special Tips:

1. Applying for a credit card online is generally only supported by customers who apply for a main card for the first time. For example, in the case of Bank of Communications, customers who already hold a card must go to the counter to apply for a card.

2. To apply for a credit card online, you must apply for a bank with an outlet in your location. If there is no outlet in your location, it is best to find another bank.

3. After the applicant submits the application materials online, the Credit Card Center will complete the review within 15 working days and will make a return call in about 7 days. It is recommended not to miss this call.

How to activate credit card payment in Taobao store

1. First, we need to log in to the homepage of our personal Taobao store. Remember it must be the homepage. In the homepage interface, we start browsing our related Store settings options.

2. In the work module management, we can see the current payment methods of our store. Let's click on the "Credit Card Payment" option.

3. In this way, we enter the interface for opening credit card payment in the store. Similar to the operation of Taobao shopping, we click the "Buy Now" option.

4. There will also be an operation that imitates Taobao shopping, that is, the payment process. Just click the "Same and Pay" operation.

5. After that, we return to the backend of our personal Taobao store. Under the directory managed by the work module, we can see that the credit card payment option of our store is already enabled. 66. So now let’s go to our baby and see what the payment interface of our baby looks like? You will see the "Pay by Credit Card" option.

Operating environment: iphone1115.0 Taobao version: 10.1.10

1. Taobao store opening process

1. Let’s first enter the homepage of Taobao;

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2. After opening this website, click "Register for Free";

3. You can choose to register with a mobile phone number or email;

4. We usually choose "Email" "Register", fill in all the information, and click "Agree the agreement and submit registration information";

5. Wait for the website to prompt that the registration is successful;

6. Enter your own mailbox and receive Taobao payment Online confirmation email; 7. Click the confirmation link to activate the account. At this point, the first step of opening an online store is completed. It should be noted that if you have already purchased something on Taobao, you do not need to register again. On Taobao, you can be both a buyer and a seller with one account.

2. How much does it cost to open a Taobao store?

1. A deposit of 1,000 is required in the early stage of opening a Taobao store. This can be returned to you at any time when the store is not open, mainly to prevent You perform ++ behavior on Taobao.

2. When you open a store, the main cost of an online store is 50 yuan a month. If your reputation is less than 1 diamond in the early stage, then your store will be free. A monthly fee of 50 yuan will be charged after you upgrade to one diamond.

3. Taobao store decoration can be simple decoration for free. If you hire someone to do professional decoration, the price will be 300-500 yuan.

4. The rest is the use of marketing tools. Generally speaking, there are some discounted tools that cost 10 yuan a month, there is also a marketing tool that comes with a package, which costs 5 yuan a month, and a video marketing tool that costs 2.5 yuan a month. There is also a very practical Taobao Baby affiliate marketing tool, which costs 10 yuan a month. Generally speaking, this is enough for a new store to invest in upfront investment.

5. When doing Taobao business in the early stage, you can choose dropshipping. This way, you don’t need to occupy a lot of funds, and it also greatly reduces the risk of starting a Taobao business.

The process of opening a Taobao store is very simple, and the investment is not large, but the difficulty is the subsequent operation, so merchants still need to learn a lot of store opening knowledge, otherwise they will be easily squeezed out.

Can online store owners apply for credit cards

Although your monthly income is considerable, because banks are strict in approving industries such as wholesale, catering, individual, entertainment, security, direct sales, etc., your It may not be easy to apply for a credit card. If you really need it, you can choose a commercial bank, such as China Guangfa Bank, China Merchants Bank, Industrial Bank, etc. The supporting documents required by online store owners to apply for a credit card are:

1. Bank account income statement. Although you do not have a work certificate or salary card, bank account statement is also a relatively intuitive proof of monthly income, which can determine whether Have the ability to repay;

2. Proof of financial resources: income tax withholding certificate, or documents proving the market value of houses, cars, deposits and investments (such as copies of real estate certificates/car driving licenses/bank time deposit certificates), etc. Information that can prove your financial level;

3. Proof of identity, usually an ID card. The applicant needs to be between 18 and 65 years old and have full civil capacity.

When applying for a credit card, you must choose formal channels and do not be blinded by fake agencies.

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The latest product is up to 50,000

You can bring proof of financial resources and ID card to a bank branch to try to apply, but the pass rate cannot be determined , may be relatively low.

For more information on whether online store owners can apply for a credit card, go to: View more content

That’s all for the introduction of how to apply for a credit card when opening an online store.