Is it reliable to apply for a credit card online?
It is safer to apply for a credit card online. Compared with ordinary bank counters and agent booths, online card application has the advantages of convenience, speed, and convenience. It is fast, user-selective and can apply 24 hours a day.
Extended information:
A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.
It is in the form of a card with the issuing bank name, 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 designated commercial service departments, and then the bank will settle the accounts with the merchants and cardholders. Cardholders can overdraft within the prescribed limit.
Credit cards as stipulated in the relevant laws of our country refer to electronic payment cards issued by commercial banks or other financial institutions that have all or part of the functions of consumer payment, credit loans, transfer settlement, cash deposits and withdrawals, etc.
On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.
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 billing date (BillingDate).
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 credit card generally refers to a credit card.
Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).
The main features of credit cards:
①Credit cards are one of the fastest growing financial services today. They are an electronic currency that can replace traditional cash circulation within a certain range;
②Credit cards have both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using credit cards;
③Credit cards are high-tech products that integrate financial services and computer technology.
④Credit cards can reduce the use of cash;
⑤Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;
⑥Credit cards can simplify collection Reduce payment procedures and save social labor;
⑦Credit cards can promote product sales and meet social needs.
Is it reliable to apply for a credit card online?
It is relatively reliable to apply for a credit card online. Compared with ordinary bank counters and agent booths, online card application is more convenient and faster, and the card issuance speed is faster. , strong user selectivity and the characteristics of being able to apply 24 hours a day. Welcomed by many friends. However, there are certain limitations to applying for a credit card online. For example:
1. The quota is generally low. When applying for a credit card online, users usually fill in the information themselves. Without the guidance of bank staff, the information is often incomplete. And there is less information submitted online. This will have a certain impact on the credit card limit. Therefore, credit card limits applied online are generally lower.
2. Little relevant information is known. Although when applying online, the relevant introduction to credit cards is relatively comprehensive. However, during the actual application process, few people read it carefully. Therefore, I don’t know much about the usage of some credit cards. When applying in a bank, users can listen to detailed introductions from bank staff.
3. The probability of playing cards is small. Compared with bank counters and agent booths, the probability of applying for a credit card online is smaller. In order to complete their tasks, bank counters and mobile stalls will try their best to help applicants apply for cards and provide guidance when applicants fill in information. When applying for a credit card online, it mainly depends on the user's qualifications.
1. It is safe to handle it through formal bank channels.
If you apply for a China Merchants Bank credit card, you need to have a local China Merchants Bank, be 18-60 years old, and if you can provide your ID card, work certificate and income certificate, you can try to apply. If you apply for a car card, you need to attach a copy of the driving license in your name. The local branch has clear regulations, and the regulations of the local branch need to prevail. The verification of the credit card is subject to the final review result.
2. If you only have an ID card or are not old enough, you can apply for an additional card for immediate family members (immediate relatives are parents, children, and spouses). You can log in to the credit card website, select "Credit Card Application" - "New Customer Application Channel", apply through the "Easy Appointment, Door-to-Door Application" online banking application appointment platform, fill in simple appointment information online and wait for bank review. If the review is passed, our bank will First go through the preliminary review. If you pass the preliminary review, there are two follow-up card application processes. One is if you pass the preliminary review, a card application officer will contact you to pick up the card; the other is you will receive a text message notification from our bank and let you go to the branch to sign. Confirm application. The details will be subject to the notification from our bank after the preliminary review is passed.
Is it reliable to apply for a credit card online now?
It’s reliable, but be careful. Apply directly on the bank’s official website and don’t believe the advertisements for large-limit credit cards.
Take the online application for a China Construction Bank credit card as an example. The specific method is as follows:
1. First, open the China Construction Bank mobile client as shown in the figure below on your mobile phone.
2. Next, select "Credit Card" - "Credit Card Application" on the page.
3. Next, select the type of credit card on the page and click "Apply Online".
4. Next, continue to click Apply Online at the bottom of the page.
5. Next, check the agreement on the page and click "Next".
6. Next, fill in your shipping address and other information, and click "Next".
7. Next, fill in some auxiliary information and click Submit Application.
8. After clicking Submit Application, you can see the prompt that the credit card application was successfully submitted.
Is it reliable to apply for a credit card online? Is it safe?
It is relatively safe to apply for a credit card online.
Application
In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can apply to the card-issuing bank. Apply for a credit card. 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, he or she must also submit relevant credit certificates 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.
Card opening
Since the card is sent by mail after the credit card application is approved, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from fraud losses, the credit card has set up a card opening procedure before it is officially launched.
Card opening is mainly done by phone or online. The relevant personal information provided during the application is checked. Once the card is met, the card opening process is completed. At this point, the applicant becomes the card holder and can officially start using it after signing on the back of the card.
After opening a credit card, you generally need to set up a password for the card.
After accepting a credit card, a credit card merchant or bank must review the validity of the credit card and the identity of the cardholder.
This concludes the introduction on whether it is reliable to apply for a credit card online and how to apply for a credit card online. Have you found the information you need?