how do I get a credit card when I go to the bank?
The specific process for banks to handle credit cards is as follows:
1. You can apply to the bank if you have reached the age of 18, hold a valid ID card and have no bad credit record.
2. Bring your ID card, proof of income and other related materials to the bank outlets, collect and fill in the application form, and submit it to the bank together with the proof materials for review.
3. The bank will comprehensively verify your salary, assets and personal credit, and give the credit card limit.
4. The bank will send the credit card to your reserved address or pick it up at a bank outlet after checking it.
5. activate the credit card after you get it, and you can use it.
Classification of credit cards:
Credit status
According to the credit status of cardholders, they can be divided into ordinary cards and gold cards
(1) Ordinary cards. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and their requirements are not high.
(2) Gold card. Gold card is an advanced credit card that pays high membership fee and enjoys special treatment. Card issuers are those with high credit, strong repayment ability and credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are much wider, so the requirements for related service fees and guarantee money are also higher.
payment method
according to different payment methods, credit cards can be divided into credit cards and quasi-credit cards
(1) credit cards. It is that when the issuing bank provides bank credit, it overdraws first, and then repays or pays by installments. Most of these cards are used in international circulation. That is to say, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used in international circulation.
(2) quasi-credit card. It refers to a credit card in which the cardholder must first deposit a certain amount of reserve fund according to the requirements of the issuing bank. When the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank, but the overdrawn part will be charged with interest from the day of overdraft and will not enjoy the interest-free period (quasi-credit card does not need to pay the reserve fund).
Circulation scope
According to the different circulation scope of credit cards, they can be divided into international cards and regional cards
(1) International cards. 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, JCB Card and Diners Club Card) are mostly international cards.
(2) regional card. Regional card is a kind of credit card that can only be used in the issuing country or in a certain area. Most of the credit cards issued by China Commercial Bank belong to regional cards.
how to apply for a bank credit card! ?
You can apply for a credit card at the bank, and you can submit more information when you apply for a credit card at the bank counter, and the amount of the card will be
higher. You can submit more proof of property, such as real estate information, vehicle information, provident fund, etc., at the bank counter. In fact,
in addition to handling credit cards at the bank counter, you can also handle them online or through bank salesmen.
To apply for a credit card, the applicant must be at least 18 years old, generally under 6 years old, and some banks will relax it to 65 years old. If a person under 18 weeks old applies for a credit card, the guardian's consent is required. And the cardholder has a valid identity certificate. When handling a credit < P > card, the applicant also needs to have a good credit reference, and the bank will refuse to issue the card if the credit reference is bad.
it usually takes 2 working days to get the card after submitting the application, but it will be faster to get the card through the internet, but the credit card quota applied through the internet is relatively low. If the waiting time is long when applying, you can call the bank's credit card service hotline
to check the progress of getting the card, and generally it will take longer to get the card in remote areas.
after you get the credit card, activate it and use it directly, but you should know some basic information about this credit card after activation. For example, the credit card billing date
is a summary of the last consumption cycle, and the credit card must be repaid on the repayment date, but on this day
installment repayment or minimum repayment can be made. You should also know the annual fee of credit card. You should know that you can avoid the annual fee by swiping your card several times. Another
point is the cash withdrawal fee. After understanding this, you can use your credit card to spend money.
If the credit card limit applied for is relatively low, you can swipe your card more after activation.-Generally, if the monthly consumption limit is kept at 7% of the credit limit, the credit limit can be increased. Generally, it takes more than 6 months for a new card to increase the permanent limit, and it takes 3 months for a new card to increase the temporary limit.
The things you need to bring are:
1. Original ID card
2. If you have a social insurance card, you can also provide relevant information
3. Work permit
4. If you have other bank cards, you can report your current credit.
How to handle a credit card
The credit card processing method is as follows:
1. Prepare materials. When you go to the bank to apply for a credit card, you must first prepare the corresponding processing materials, which generally include the original ID card, work certificate, income certificate, etc.
2. Go to the bank to get the number. After you have prepared the information, you need to choose a favorite bank outlet and go to the bank self-service number machine to get the number during working hours, ready to handle the business.
3. fill in the card processing information. Generally, after taking the number, you can ask the bank lobby manager how to fill in the information, and fill in the information according to the tips of the staff and the template provided by the bank. The required information is accurate and cannot be erased.
4. submit information. Fill in the corresponding information and wait until the bank counter calls. After you get the number, go to the counter and submit the information needed to apply for the card, waiting for the bank to review it.
5. Anti-audit. After receiving your review information, the counter staff will review the information according to the corresponding regulations of the bank to see if it meets the conditions for handling credit cards. If there is, it will pass the audit. If you can't do it, it will tell you why you can't.
6. Card issuing is activated. If the bank has already issued a card, the bank counter staff will send it to you in time and help you activate it. Since then, your credit card has been successfully processed.
Extended information:
1. Advantages and disadvantages of applying for a credit card:
(a) Benefits of a credit card:
1. You can enjoy an interest-free period of 2-56 days without deposit.
2. When shopping, you will get points as a gift.
3. Special merchants who hold cards in banks can enjoy preferential treatment.
4. accumulate personal credit, and credit records can be added to credit files.
5. You can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo.
6. Some credit cards accept existing points.
7. Mail the statement free of charge every month.
8. supplementary card function, which can manage money together and master children's financial expenditure.
9. In the form of one card and two currencies, domestic RMB can be used for repayment when spending abroad.
the p>1-hour and 24-hour service hotline will take effect immediately if the loss is reported.
11. Cooperate with third-party platforms to provide preferential services for cardholders.
(2) Disadvantages of credit cards:
1. Credit cards can easily lead to excessive consumption.
2. The annual interest rate of credit card is higher.
3. Credit card debt will bring mental stress.
4. If the credit is bad, the cost of borrowing money will be higher, or even you can't borrow money.
how to apply for a credit card?
the first credit card application method is: the applicant applies directly at the bank counter. If you apply in the bank, you must fill in the information directly. There are bank staff on site who can guide me to fill in the relevant information, which can avoid the problem that we are rejected because of the wrong information. At the same time, we can issue more qualification certificates and wealth certificates, which is conducive to improving our final credit card quota. However, it will be relatively slow to review the credit card at the bank counter, because you have to report the information from the branch to the credit card center, and then the card center will review your information. Another way is to apply for a card online: nowadays, we can apply for a credit card in official website, but this way of applying for a credit card online is that we have to fill in the information ourselves, which is more likely to lead to the problem of wrong information filling, and thus it will be rejected. But online processing is mainly convenient without going out, as long as a mobile phone or a computer can apply for it. There is also a way to handle credit cards: through the bank's credit card salesman to handle credit cards. We can often see these bankers setting up stalls to sell credit cards in shopping malls or other shops. This way of handling cards is to receive prizes, but because they are all business personnel, the main purpose is to obtain performance, so we still have to weigh carefully some things that guarantee a high amount and ensure the issuance of cards, and we should not trust them too much. The process of handling a credit card 1. Prepare the application materials. 2. After the materials are ready, you can apply to the bank or make an appointment online. 3. Then wait for the bank's approval. During the approval process, the bank will call the applicant to verify the information. 4. After the approval, the bank will mail the card to the applicant, and get the card about 3 weeks after successfully submitting the information. "Legal basis: As a civil act, credit card business has been stipulated in principle by the General Principles of Civil Law, Contract Law, Criminal Law, People's Bank of China Law and Commercial Bank Law. In Chapter 5 of the Law of China People's Bank, the People's Bank of China examines and approves the establishment, alteration, termination and business scope of financial institutions according to regulations. Article 3 of "Commercial Bank Law" has 13 items in the business scope, and the credit education business belongs to other businesses approved by the People's Bank of China in Item 13. Violation of laws and regulations is invalid, and it is subject to corresponding criminal responsibility.
How to apply for a credit card
You can apply for a credit card if you are 18 to 7 years old, have a stable income and have a good credit. Summarized the following ways of handling cards in bank channels:
1. Handling cards through bank outlets. Bring the original ID card, proof of work income (usually including: work permit, employment certificate, salary card (preferably more than 3 months), tax bill, social security bill, provident fund bill for the last 3 months, etc., not all of which are required, but you can have them). If you can attach some financial proof, such as real estate, car production, bank time deposit certificate, financial management, etc., it will be very helpful to get the card.
2. Bank official website online application.
3. Mobile banking.
4. Online banking.
5. Official WeChat WeChat official account. (It must be official ~)
How can I apply for a credit card through personal online banking of BOC?
Personal online banking credit card application of China Bank:
Credit card-credit card application/activation-online credit card application, select the location where the card can be handled, find out the types of credit cards that can be handled in the area, select the credit card you need to handle, click Apply, and the page will display the Credit Card Collection Contract of Bank of China Co., Ltd. After clicking the "Agree" button, you will be prompted to enter the set security authentication tools (CA certificate, dynamic password mobile phone transaction code) for confirmation.
Tips:
1. For customers who already hold BOC credit cards or have launched BOC personal online banking wealth management version and VIP version, they can apply for credit cards through personal online banking, which will be mailed directly to you after business card printing is completed.
2. For inquiry customers who have not applied for BOC credit cards, they can also apply for credit cards online. After you fill in the relevant application information in personal online banking, you will be prompted to select a card withdrawal outlet and submit relevant information. After business card printing, you will be informed to go to the corresponding outlets to collect credit cards. When you pick up the card, you have a valid identity document and sign it for confirmation.
3. You apply for a credit card through personal online banking. If you are an old customer of the credit card, the phone number returned is the phone number kept in the card core system; If you are a BOC customer, but you are a new credit card customer, the mobile phone number retained in the core system will be displayed; These two mobile phone numbers can be modified through Mobile Banking (Mobile Banking-My-My Information-Modify Mobile Phone Number).
4. If you are a brand-new customer of BOC and don't return the customer's mobile phone number, you can manually enter it yourself, and the BOC system will interface with the operator's system to verify whether this mobile phone number is your own. If it is verified, you can continue to apply.
the above contents are for your reference. please refer to the actual business regulations.
about how to get a credit card from a bank and how to get a credit card from a bank? This is the end of our introduction. I wonder if you found the information you need from it?