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 prepare 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, you can ask the bank lobby manager how to fill in the information after taking the number, 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 for the phone call from the bank counter. After getting the number, go to the counter to submit the information needed to apply for the card and wait for the bank to review it.

5. Anti-audit. After receiving your audit data, the counter staff will review the data according to the corresponding regulations of the bank to see if it meets the conditions for handling credit cards. If there is, it has passed the audit. If you can't do it, it will tell you why.

6. Hairpins are activated. If the bank has 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:

First, the advantages and disadvantages of doing a credit card:

(a) Benefits of credit cards:

1. If there is no deposit for overdraft consumption, you can enjoy an interest-free period of 20 to 56 days.

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. Accessory card function, you can manage your finances together, and you can also master your child's financial expenses.

9. In the form of one card and two coins, you can repay in domestic RMB when you spend abroad.

10, 24-hour service hotline, loss reporting takes effect immediately.

1 1. 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 relatively high.

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 do I apply for a credit card?

Take the credit card of China Merchants Bank as an example. After the new customer applies, the system will review the information filled in, and then complete the card processing process according to the SMS prompt. Generally speaking, there may be two different situations:

1. On-site handling: After passing the preliminary examination, the Commissioner will contact you within 4 working days to make an appointment for on-site data collection. Door-to-door address only supports company address; If the first trial fails, the SMS will also clearly inform you. Please pay attention.

2. Signature of outlets: Send SMS of preliminary examination notice, and bring your ID card to any outlet of China Merchants Bank for signature confirmation within 30 days.

First, there are two main conditions for credit card application:

1, age requirement: 18-60 years old;

2. Have a stable job and income source.

3. Materials and certificates to be provided when handling:

4. Domestic residents only need to provide: a completed and signed application form, identity certificate, residence certificate and income certificate;

5. Foreigners and people from Hong Kong, Macao and Taiwan also need to provide: residence permit for foreigners (the purpose of residence must be employment) or employment permit for foreigners/Hong Kong, Macao and Taiwan;

6. If it is a private owner, in addition to the above information, it is also necessary to provide a copy of the industrial and commercial business license, indicating the name of the applicant, the name of the enterprise and the start date.

Second, the maximum overdraft limit of credit cards.

1. The maximum overdraft limit of credit card refers to the maximum overdraft limit of the applicant when the bank approves the credit card. The applicant can only use the card within this range. If this limit is exceeded, the card will be used irregularly, or a certain fee will be charged for the part exceeding the limit.

2. In China, different banks and different credit cards increase the amount differently. The upper limit of general credit card and gold card is 50 thousand yuan. If the number of cardholders in Jinpu Card has increased to 50,000, it can't be increased any more. If you want to get a higher credit card, you have to apply for a platinum card and a credit card above platinum in the bank, and the amount ranges from 654.38+ million to 654.38+million.

Credit card overdraft is a short-term overdraft given to cardholders by credit card issuers when shopping. For credit cards, it is an important feature to allow "consumption before repayment" and overdraft. For debit cards, you should "save first and then consume". However, on the premise that it is recognized as a goodwill overdraft and the repayment is guaranteed, the cardholder can appropriately overdraw in a short time when he is in urgent need of money.

How to apply for a credit card?

The first credit card application method is: the applicant directly applies at the bank counter. If you apply in a bank, you must fill in the information directly. There are bank staff at the scene 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, more qualification certificates and wealth certificates can be issued, which is conducive to improving our final credit card limit. However, it will be relatively slow to review the credit card at the bank counter, because you have to report the information of the branch to the credit card center, and then the card center will review your information. Another way is to apply for a credit card online: now we can apply for a credit card in official website, but this way of applying for a card online is to fill in the information ourselves, which is more likely to lead to the problem of filling in the wrong information, which will lead to rejection. But online processing is mainly convenient without going out, as long as a mobile phone or computer can handle it. There is another way to handle credit cards: through the bank's credit card salesman. We can often see these bankers selling credit cards in shopping malls or other stores. This way of handling cards is to receive awards, but because they are all business personnel, the main purpose is to obtain performance. Therefore, we should carefully weigh some things that guarantee a high amount of credit and ensure card issuance, and don't believe it too much. The process of handling a credit card is 1. Prepare application materials. 2. After the materials are ready, you can apply to the bank or make an appointment online. 3. Then wait for the approval of the bank. 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 submitting the information successfully. "Legal basis: As a civil act, the credit card business has been stipulated in principle by the General Principles of Civil Law, Contract Law, Criminal Law, China People's Bank Law, Commercial Bank Law and other laws. 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. There are 65,438+03 items in the business scope of Article 3 of the Commercial Bank Law, and the credit school business belongs to 65,438+03 other businesses approved by the People's Bank of China. Violation of laws and regulations is invalid, and corresponding criminal responsibility should be borne.

How to apply for a credit card

Personal credit card processing flow is as follows:

1. If you want to decide which bank to run first, you can visit the major banks in official website for details.

2. apply. After deciding which bank to apply for a credit card, you can find time to apply directly to the business outlets. Some banks can also apply in official website, and many banks will set up some offices outside, so just pay more attention.

3. Fill in the form and fill in the relevant information according to the instructions of the staff. Review, fill in the information and submit it to the bank for review.

4. issuing cards. After approval, the card will usually be sent by registered mail. You can log in to the relevant bank in official website to inquire about the progress of card processing, or you can call for advice.

5. When the card is opened, there will be relevant instructions when it is received. Read carefully, remember the checkout date and repayment date, and set the relevant password according to the prompts. After opening, your credit card can be used. The limit is determined by the bank according to the information you submitted, social security, bank records, etc. If you feel that it is not enough, you can apply to the bank for a temporary quota or a fixed quota.

Legal basis: Measures for the Supervision and Administration of Credit Card Business of Commercial Banks

Article 57

The second paragraph

When the issuing bank receives the repayment from the cardholder, it will repay all the debts in its credit card account in the following order: if it is overdue for 1-90 days (inclusive), it will repay the interest or expenses first and then the principal; If the overdue period exceeds 9 1 day, the principal shall be repaid first, and then the interest or various expenses shall be repaid.

How to introduce credit cards? Let's stop here.