At present, there are two kinds of credit card processing: first, bank outlets need to carry ID cards, proof of work income or proof of assets; The second is to apply for a card online through mobile banking, online banking, official bank WeChat and official website.

How to apply for 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 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 to apply for a credit card?

Credit card processing flow:

1, fill in the application form;

2. Give your information and various copies to the bank;

3. The bank sends it to the credit card center;

4. The credit card center conducts audit, business card printing and card issuance;

5. After getting the card, open the card and wait for the password letter.

To apply for a credit card, you need to provide the following information:

1, copy of ID card, work certificate, income certificate, etc.

2. If you can also provide bank deposit certificate, real estate certificate, degree certificate, etc. , your application approval process will be more convenient and faster.

3. If you have a foreign household registration, overseas personnel apply for a job locally, and active military officers apply for a credit card in their own name, some card-issuing banks may require you to issue a temporary account issued by the local public security department or a certificate (including a work certificate) issued by relevant departments.

4. Other conditions required by the issuing bank.

How to apply for a credit card

Open WeChat on your mobile phone and click My-Pay. The wallet in the upper right corner of the mobile phone. Click Bank Card-Apply for Credit Card. Choose a credit card you like (as long as it suits you) and click Apply Now. Whether the application is successful depends on your personal situation.

The mobile terminal of mobile phone series is iPhone or Android smart phone. IOS system version needs to be above 4.0, Android operating system version needs to be above 2.0, and WeChat version is V7. 1.2.

First, the process of applying for a credit card?

The process of applying for a credit card is: 1, apply; 2. review; After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing; 3. issuing cards; After the applicant successfully applies for a credit card, the issuing bank will open a separate credit card account for the cardholder at the issuing bank; 4. open the card; Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements.

Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks

The term "credit card" as mentioned in these Measures refers to all kinds of media that record the relevant information of the cardholder's account, have the function of bank credit line and overdraft, and provide relevant banking services for the cardholder.

Article 8

The term "credit card business" as mentioned in these Measures refers to the banking services provided by commercial banks using bank cards with credit line and overdraft function, mainly including card issuing business and acquiring business.

Second, credit card review?

After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.

Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.

Let's talk about how to apply for a credit card.