The main consequence of not getting the ICBC credit card is that the annual fee is constantly generated.
After the 1. credit card is set, whether it is activated or not, an annual fee will be generated, and the annual fee will be reduced to free. Banks are different. Some spend a certain amount, and some will reduce the annual fee for the first year after brushing a certain number of times. If you don't open the card, the annual fee will be charged all the time.
2. The annual fee will be automatically deducted from the credit card in the following year, resulting in arrears. If you cancel the card, you need to pay off all the arrears before you can cancel it. Otherwise, the annual fee will always exist. If the credit card is not used, you can cancel it at the counter immediately without arrears or card opening.
Does it matter if there is no credit card?
Generally, there is a time limit for receiving the card in the short message, usually within 30 days after receiving the short message. If the card is not received at maturity and the face-to-face signing is not made in time, the card will be invalid when it expires, and the bank may cut the credit card.
Applicants who want to use the card can only reapply, but it may not be so easy to approve the card because of the record of not accepting the card. After all, you wasted the bank's resources.
However, some banks will not apply for credit cards unless they apply for cards, and all credit cards have annual fees. If they don't have a card, they will deduct the annual fee every year, and there is a risk of overdue if they don't repay.
In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, a legal person can also be an applicant.
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed.
Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.
A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
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.
What happens when you go to the bank without a credit card? Will have these consequences.
For online credit card processing, most banks will mail the card to the billing address after the first trial, but some banks, such as Industrial and Commercial Bank of China, will mail the card directly to the bank outlets and ask the applicant to pick up the card by himself. Then, what are the requirements for applying for a credit card to the bank? What happens if you don't get the card? Next, let's take a look.
1. What should I do when my credit card arrives at the bank?
In fact, the process of getting the card from the bank is a face-to-face interview. After all, the principle of "seeing three relatives" should be implemented in online card processing.
The requirements are relatively simple. Applicants should be neat and tidy, and bring the information mentioned in the card receiving message, such as their valid identity certificate, income certificate, work certificate, etc. , and give it to the bank teller for verification, then answer the teller's questions, and then copy a paragraph on the card receipt and sign it.
The teller will help the applicant activate the card, let the cardholder set the password, and then let the applicant leave with the credit card.
2. What would happen if I didn't get a credit card?
Generally, there is a time limit for receiving the card in the short message, usually within 30 days after receiving the short message. If the card is not received at maturity and the face-to-face signing is not made in time, the card will be invalid when it expires, and the bank may cut the credit card. Applicants who want to use the card can only reapply, but it may not be so easy to approve the card because of the record of not accepting the card. After all, you wasted the bank's resources.
However, some banks will not apply for credit cards unless they apply for cards, and all credit cards have annual fees. If they don't have a card, they will deduct the annual fee every year, and there is a risk of overdue if they don't repay. Therefore, I suggest you apply for a card first. If you don't want to use the card, you can call yourself to apply for cancellation.
What if I don't get my credit card?
Generally, there is a time limit for receiving the card in the short message, usually within 30 days after receiving the short message. If the card is not received at maturity and the face-to-face signing is not made in time, the card will be invalid when it expires, and the bank may cut the credit card. Applicants who want to use the card can only reapply, but it may not be so easy to approve the card because of the record of not accepting the card. After all, you wasted the bank's resources.
However, some banks will not apply for credit cards unless they apply for cards, and all credit cards have annual fees. If they don't have a card, they will deduct the annual fee every year, and there is a risk of overdue if they don't repay. Therefore, I suggest you apply for a card first. If you don't want to use the card, you can call yourself to apply for cancellation.
The credit card processing flow is as follows:
1. Handle the credit card at the bank branch.
(1) Fill in the credit card application form at the bank and submit personal certificates and other application materials. The application form should include all information such as income and position.
(2) Waiting for bank approval. In the credit card review stage, users can go to the bank official website to check the progress of credit card application.
(3) After the approval of the bank, the credit card will be sent to you by express delivery. If the audit fails, you will also receive information from the bank.
2. Apply for a credit card through the Internet.
(1) Find the bank official website you want to run, and click "Credit Card"-"I want to run a card".
(2) Select the credit card type and region you want to apply for, and then click "Apply Now".
(3) According to the required personal information, click "Next" and submit after confirmation.
(4) Wait for the bank's audit, and wait for the bank's express mail after the audit is passed.
Several colleagues in our office went to Kayu-plus two days ago, and the official WeChat account was approved directly. You can choose more than 20, and the convenient quota is also high.
What about credit cards?
After you apply for a credit card, your credit card application bank will send the credit card to your registered credit card mailing address.
Generally, banks will choose registered mail delivery. Some banks will choose some courier companies to send them. When the bank notifies you of credit card delivery, it will give you a credit card delivery number. You can check your credit card delivery progress and collect your credit card through this delivery number.
How to apply for a bank credit card online?
Apply for a credit card
To apply for the main credit card of China Merchants Bank, you need to be 18-60 years old (25-60 years old for foreigners), have certain economic ability and good credit record, and submit ID card, work certificate, financial certificate and other materials.
① Credit cards are local and off-site, and the audit results shall be subject to the credit card center.
② If there is no on-site service in your area, you can bring your application materials to any local outlet of China Merchants Bank to apply.
If you need to apply for China Merchants Bank credit card, you can try to apply through the following channels:
1, WeChat official account search and pay attention to "China Merchants Bank Credit Card", enter "Apply for Credit Card", enter the link to select your favorite card type, and fill in the reservation application materials. For details, please enter WeChat manual customer service to verify;
2. Log in to the credit card website (click here to enter the webpage link), select "Apply for new customers", select the corresponding card type, and then click "Apply now". Fill in the simple reservation information online and wait for the bank's approval. If approved, experts will provide you with on-site service. If you want to handle the transaction in this way, please confirm your region first, and whether our bank can provide free door-to-door service (the result will be displayed after selecting the province/city/region);
3. After the new user downloads the Pocket Life Client, select "My → I want to apply for a card". Select "Finance → Card Manager → New Card List → Card Family Photo" to apply for additional credit cards.
4. I bring the original ID card, work certificate and financial certificate to the outlet of China Merchants Bank;
5. After logging in to mobile banking, click "My → All → Credit Card → Apply for Credit Card" to apply;
Tips: Mobile banking can't choose the card type for the time being. It is suggested that WeChat official account or official website choose the card type.
6. You can also call our credit card customer service hotline, select "3#- 1-3" transfer service specialist to register for you, and inform our local staff to contact you to confirm the application.
7. If you apply for the professional version of our bank, you can log in to the professional version (version 7.7.0), click "Credit Card → Customer Management → Online Application → Express Credit Card Application" and then jump to the credit card official website page to apply;
Tips: The verification status of the credit card is subject to the final audit result.
Credit card bill installment payment
The billing installment of China Merchants Bank's credit card refers to the function of installment repayment for transactions in RMB or USD accounts, including the installment of unbilled transactions and billed transactions. Hold a personal card of China Merchants Bank credit card and have a good record of using the card. You can try to handle the bill installment business. Customers who only hold business cards, business cards, shopping cards, security cards or supplementary cards cannot apply for bill installment for the time being. The final installment application result is subject to the comprehensive evaluation of the credit card center. The following channels can try to apply for bill installment:
1. After logging into Pocket Life, click "Card". Finance → Consumption Staging → Transaction Staging ". When applying, the system defaults to the maximum installment amount, and you can modify it without checking it. After selecting the number of periods, click "Preview Order" and submit the application.
2. The main cardholder needs to reserve the mobile phone number in the Credit Card Center of China Merchants Bank to send SMS. (Click the link on this page for the bill installment, and click the link on this page for the bill installment);
3. Log in to the popular version or professional version, and click "installment financing"-"bill installment-issued account"/"bill installment-unissued account"-"installment application" in the credit card interface;
4. After logging in to mobile banking, click "My → All → Credit Card → installment financing";
5. Call the credit card customer service hotline, and then directly tell you the business you need to handle, and you can apply.
This is the end of the introduction about what will happen if you don't apply for a credit card and how to apply for a credit card in a bank. I wonder if you have found the information you need?