There are the following 5 ways to apply for a personal credit card: 1. Make an appointment through the bank phone, and bank staff will come to handle it. 2. Bring the original ID card, work certificate, financial certificate and other materials to the bank branch for processing. 3. Online banking. 4. Handle mobile banking. 5. Use the bank’s WeChat official account.
1. Channels for applying for personal credit cards
1. Make an appointment by phone and go to your door. Call the bank's credit card customer service hotline and follow the voice prompts to transfer the service specialist to register and wait for local staff to come to collect application information.
2. Handle at outlets. Bring your original ID card, work certificate, financial certificate and other materials to the bank branch to apply.
3. Online banking. Log in to online banking, enter the credit card application section, fill in personal information and apply for a card.
4. Mobile banking. Download and log in to mobile banking, select the credit card section, and apply for a credit card. The choice of card types may be limited when applying for a credit card through mobile banking of some banks.
5. Handle via WeChat public account. If the bank has opened a WeChat official account, you can search and follow the bank's WeChat official account, enter your credit card to apply, fill in the appointment application information and wait for manual customer service verification.
2. Credit card
Credit card, also called credit card, is a credit certificate issued by a commercial bank or credit card company 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. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the bill date.
Credit cards can be divided into: credit cards and debit cards according to whether they have consumer credit functions; they can be divided into: credit cards and quasi-credit cards according to whether a reserve fund is paid; according to the objects used, they can be divided into: Personal cards and corporate cards; according to credit level, they can be divided into: platinum card, gold card and ordinary card.
3. Credit card repayment methods
1. Repayment at outlets. You can repay your credit card at the counter of the card-issuing bank branch;
2. Repay at an ATM machine. You can make deposits or transfer repayments at ATM machines;
3. Online banking repayments. Log in to the card issuing bank's online banking to repay the credit card;
4. Mobile banking repayment. Log in to the card issuing bank's mobile banking to repay the credit card;
5. Repay via third-party software. Alipay, WeChat, UnionPay and other software have credit card repayment functions, which can repay credit cards;
6. Automatic repayment. You can link your debit card and credit card. After linking, the bank will automatically debit the debit card for repayment.