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 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 successfully submitting the information. Article 17 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks shall meet the following basic conditions: (1) The company has good corporate governance, the main prudential supervision indicators meet the relevant provisions of the China Banking Regulatory Commission, it has an organizational structure and rules and regulations suitable for business development, and its internal control, risk management and accountability mechanisms are sound and effective; (2) It has a good reputation, has a sound and effective internal control mechanism and case prevention and control system, and has no major violations of laws and regulations or major malignant cases in the last three years; (3) Having qualified directors, senior managers and qualified employees. Senior management personnel should at least have 1 personnel with professional knowledge and management experience in credit card business, technical personnel and management personnel necessary to carry out credit card business, and fully implement hierarchical authorization management; (4) Having business premises, relevant facilities and necessary information technology resources suitable for business operation; (five) to establish business systems in China that meet the requirements of laws, regulations and business management, and have the technical ability to ensure the information security and operation quality of related business systems; (6) To start foreign currency credit card business, it shall have the qualification of foreign exchange settlement and sale business approved by the foreign exchange administration department and the qualification of foreign exchange business (or the scope of foreign exchange business) approved by the China Banking Regulatory Commission; (7) Other prudential conditions stipulated by the China Banking Regulatory Commission.

What should I do? What is the process of 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 use the credit card and how to operate it?

How to use:

1. Keep credit cards, identity documents, mobile phones or other electronic devices used to bind credit cards properly.

2. Keep personal information and card information (including expiration date, CVV2, etc.). ), relevant letters and short messages sent by Party B and other information.

3. Set, keep and use the transaction password correctly; For the transaction completed by the mobile phone dynamic verification code, the dynamic verification code is regarded as the transaction password; Party A shall not disclose the password and dynamic verification code to others.

4. Pay reasonable attention to the credit card environment (including but not limited to real scenes and network environment) and avoid using credit cards in dangerous areas and websites with low trust.

5. Pay close attention to the announcements and risk warnings issued by Party B in time. ..

6. Other necessary measures to prevent risks that should be taken.

Operation process:

1, check the user guide:

After receiving the credit card issued by Party B and the attached card letter, Party A shall timely understand the information listed in the card letter, carefully read and abide by the credit card business regulations and related explanatory materials such as the User's Guide publicly disclosed by CCB. If in doubt, please consult Party B through Party B's customer service telephone number, website and other channels in time.

2. Activate the card:

Party A activates the card in the way specified by Party B, and immediately signs the same name as the application materials in the signature column on the back of the card; If Party A needs to sign the card for confirmation, it shall use this signature.

3. Set the password:

Party A shall set the credit card telephone banking password and transaction password through the channels designated by Party B. The credit card telephone banking password is applicable to the identification of Party A calling Party B's customer service telephone number; Credit card transaction password is applicable to the confirmation of credit card consumption and cash advance.

4. Normal credit card consumption.

Extended data:

Credit card repayment related matters:

1. Pay attention to regularly checking the statement and actively checking the accounts. If you don't receive the current statement, you should contact Party B to reissue it in time, and you can't refuse to repay on the grounds that you don't receive the statement. If you have any questions about the contents of the statement, you should inquire Party B within 50 days after the transaction date and apply for reading the purchase order.

2. Party A shall cooperate with Party B for verification after raising the transaction objection, and provide corresponding verification materials as required by Party B. If the transaction result is verified, it shall be borne by Party A, and Party A shall pay the handling fee for reading the order. For the transactions that have raised objections, Party A shall still repay the amount listed in the statement on schedule, except that Party B agrees to exempt Party A from the repayment responsibility before the due repayment date.

3. The debts incurred by Party A due to the use of the credit card shall be repaid in the corresponding currency through the relevant channels allowed by Party B in time, or through the agreed account repayment method. When Party A chooses an agreed foreign currency account for repayment, the agreed foreign currency account must be a cash account.