The ways to open a credit card are:

1, customer service phone opened:

The cardholder can dial the customer service hotline on the back of the credit card, enter the password according to the telephone voice prompt and telephone banking, then select the credit card to be opened according to the voice prompt, and then set the card password according to the prompt, and it can be opened after success.

2. Opening of online banking:

The cardholder can log in to the bank official website, then enter the credit card and password on the online banking page to log in to the personal account, find the "Credit Card Opening" page, and enter the reserved phone number and other verification information according to the page prompts. After the authentication is passed, the credit card can be successfully opened.

3. The outlet counter card is opened:

Cardholders can bring their ID cards and credit cards to the issuing bank outlets, apply to the counter staff for opening credit cards, and then fill out the application form according to the guidance of the staff, and set various passwords to open them in real time.

Credit card type

According to the different card issuers, it can be divided into bank cards and non-bank cards.

Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card.

Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly.

Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

According to the different issuing banks, it can be divided into corporate cards and personal cards.

Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.

Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.

Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status.

According to different payment methods, credit cards can be divided into credit cards and quasi-credit cards.

Credit card. That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation.

Quasi-credit card It is a credit card issued by a bank, which deposits first and then consumes. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance as a backup. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed.

According to the different circulation scope of credit cards, they can be divided into international cards and regional cards

International card. International card is a kind of credit card that can be used outside the issuing country and is universal.

MasterCard, VISACard, AmericanExpressCard, JCBCard and DinersClubCard issued by five overseas groups (MasterCard, Visa International, American Express Card and DinersClubCard) are mostly international cards.

Area card. Regional card is a kind of credit card that can only be used in the country or region where the issuing bank is located. Most credit cards issued by commercial banks in China belong to regional cards.

How to open a credit card

The credit card processing flow is as follows:

1. Handle the credit card at the bank branch.

(1) Fill in the credit card application form at the bank and submit personal certificates and other application materials. The application form should include all information such as income and position.

(2) Waiting for bank approval. In the credit card review stage, users can go to the bank official website to check the progress of credit card application.

(3) After the approval of the bank, the credit card will be sent to you by express delivery. If the audit fails, you will also receive information from the bank.

2. Apply for a credit card through the Internet.

(1) Click "Credit Card" on the Bank official website app to enter.

(2) Click "Handle Card" after entering.

(3) Select the type of credit card you want to apply for and click "Apply Now". Fill in and improve personal information as required and submit it.

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