Construction, industry and commerce, China, agriculture, people's livelihood, investment, Everbright, transportation, Pudong Development, Ping An, Industrial Bank, Guangfa and other banks can apply online. After the application materials are reviewed and approved, the bank will take the initiative to contact the application People requested additional information.

If you don’t want a salesperson to come to handle the matter, you can submit the materials directly to the branch yourself.

Another example is China Merchants Bank’s credit card. After you apply for a credit card online, you will go through a preliminary review. After passing the review, the bank will contact you by phone or text message to request an interview. You can directly contact the bank’s customer service and request that you go to the branch counter to sign. When opening a card, the salesperson will not be allowed to come to handle it.

After the customer submits the information, the bank will review the information. After the bank completes the review, the applicant will first receive a text message from the bank informing the review results and approval amount. If the review is successful, you will generally receive the credit card sent to the designated location or receive a card collection notification from the agreed card collection outlet within 3 to 7 working days.

The applicant can then bring his valid ID and card letter to any bank branch of the card-issuing bank or the counter of the agreed branch selected in advance during online application to complete credit card activation and password setting.

Extended information:

Compared with ordinary bank savings cards, the most convenient way to use credit cards is that they can be used for ordinary consumption without cash in the card. In many cases Just repay the consumed amount on time.

You can use overdrafts without deposits, and you can enjoy an interest-free period of 20-56 days for on-time repayment without any interest charges (most banks will charge an interest of 50,000 cents on the day of cash withdrawal, and There is a 2% handling fee. ICBC cash withdrawals are free of handling fees and only charge interest).

Swiping your card when shopping is not only safe and convenient, but also provides gift points.

You can enjoy discounts when you use the card at the bank's designated merchants.

Accumulate personal credit and add a record of integrity to your credit file that will benefit you throughout your life.

It is accessible nationwide and you can withdraw money or make purchases by swiping your card at ATMs and POS machines with the UnionPay logo; (Note: Credit cards are only suitable for consumption and swiping. It is best not to withdraw cash. The handling fee for cash withdrawals is very high and very inconvenient. Cost-effective)

Swipe your card for consumption, collect existing points with some credit cards, and offer a variety of discounts and lucky draws throughout the year, so you can always be surprised as long as you use your card; (most credit card online payments do not have points, but online shopping payments Very convenient and fast)

Free mailed statements every month, allowing you to transparently control every consumption expenditure; (now promoting green environmental protection, paper statements can be canceled and changed to electronic statements)

The unique supplementary card function is suitable for couples to manage finances at the same time, or to control their children's financial expenditures.

The free choice of one card and dual currencies is available all over the world. Overseas consumption can be repaid in domestic RMB.

400 or the 5-digit short number starting with 9 is available 24 hours a day. Loss reports are effective immediately and there is zero risk of losing the card.

Have validity period: It is known that the validity period of domestic credit cards is generally three or five years.

Use third-party platforms (the domestic platform that supports credit card bill management is mainly Jujindou) for business cooperation to provide cardholders with preferential services.

Disadvantages

The invention of credit cards is like a double-edged sword, which can solve the temporary economic crisis, but the purpose of banks issuing credit cards is to make money. Once the interest-free repayment time is exceeded, , a high amount of interest will be charged, usually 50,000 per day.

1. Blind consumption

Swiping a card is not like spending money one by one like paying with cash. Once you swipe it, you will feel nothing, just a few numbers, which leads to blind consumption and spending money like this. Running water.

2. Excessive consumption

Installation for laptops, digital cameras, and smartphones. While enjoying your favorite items in advance, you must also consider whether you are able to repay them.

3. High interest rates

If you do not know how to take care of your credit card and cannot repay the loan as scheduled when the final payment date arrives, the bank will charge you high interest rates.

(The minimum repayment for the first month of a credit card shall not be less than 10% of the overdraft amount of the month)

4. Annual fees are required

Credit cards basically have annual fees, but Basically, there is a policy of waiving annual fees. For example, China Construction Bank only needs to swipe the card three times a year to waive it; but if you do not swipe the card the number of times specified by the bank in a year, an annual fee will be charged.

5. Credit card fraud

Credit cards are basically password-free by default. This makes it easy for others to steal your credit card when it is lost or stolen, causing unnecessary trouble or loss; but in fact, credit cards can also be used to apply for swiping purchases with passwords - it depends on how you manage your credit cards. Of course, many people do not cancel their accounts after canceling their credit cards due to lack of experience in this area, and are criticized by some Criminals reapply for credit card overdrafts and lose money in vain, which is not worth it.

6. Impact on personal credit record

Long-term malicious debt will naturally affect personal credit record and even be blacklisted by the bank. If you want to borrow money from the bank to buy a house or a car in the future, you will have to There is a possibility of being rejected by the bank.

7. Repayment troubles

You have to go to the bank every month, which is often overcrowded. Not everyone can repay online.

8. Cancellation troubles

CCTV once reported that there were cardholders who had paid off all their debts and canceled their credit cards and still received bank statements several months later. After much trouble, this article titled "Credit Cards That Can't Be Repaid" exposes the shortcomings of today's credit cards.

Although there is an interest-free period for credit cards, it is only for card consumption. There is no interest-free period for cashing out, and handling fees are also charged.

Baidu Encyclopedia-Credit Card

People's Daily Online-Many banks support online credit card processing