The specific process for banks to handle credit cards is as follows:

1. At least 18 years old, with valid identity documents and no bad credit record, you can apply to the bank.

2. Bring ID cards, income certificates and other related materials to the bank outlets, collect and fill out the application form, and submit it to the bank for review together with the supporting materials.

3. The bank will comprehensively verify your salary, assets and personal credit, and give a credit card limit.

4. After the bank checks, it will send the credit card to your predetermined address, or pick it up at a bank outlet.

You can use the credit card when you get it and activate it.

Classification of credit cards:

credit position

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

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

(2) 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. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.

Liquidation method

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

(1) 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. In other words, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used for international circulation.

(2) quasi-credit card. It refers to a credit card in which the cardholder must first deposit a certain amount of reserve funds according to the requirements of the issuing bank. When the balance of the reserve account is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank, but interest will be charged from the date of overdraft, and interest-free period will not be enjoyed (reserve is not required for quasi-credit card).

Circulation range

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

(1) 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.

(2) regional cards. 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 China Commercial Bank belong to regional cards.

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.

What about the credit card?

The credit card processing method is as follows:

1, prepare data. 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 and so on.

2. Go to the bank to get the number. After preparing the information, you need to choose a favorite bank outlet and go to the bank self-service number machine to get the number to prepare the business during working hours.

3. Fill in the card application materials. Generally, after getting the number, you can ask the lobby manager of the bank 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. Submission of materials. After filling in the corresponding information, wait until the bank counter calls for the number you get, and then go to the counter to submit the information needed to apply for the card, waiting for the bank's audit.

5. Anti-censorship. After receiving your audit information, the bank 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 it meets the requirements, it will pass the audit. If you can't get a card, you will be informed of the reasons for not getting a card.

6. The hairpin is activated. If the bank has applied for a card, the bank counter staff will send you the card in time and help you activate it. Since then, your credit card has been successfully processed.

The introduction of how banks handle credit cards and how banks handle credit cards ends here. I wonder if you have found the information you need?