1, apply online

First of all, online application must choose formal channels, such as online banking channels, which can be used in official website and the third-party platform authorized by banks. The application process is similar, just fill in the relevant information on the application link provided by the bank and submit it. The whole process is protected by the highest level of security in the bank, so there is no need to worry about information being leaked.

Because the application form is submitted directly to the credit card center, the approval time is very fast, and some can give the results in real time, which is more suitable for friends who want to apply for a card quickly. However, there are also some shortcomings. You can't submit all kinds of materials for online application. According to the information on the application form, the amount given by the bank is not so generous, especially for the first time, the amount of card approval is low, and you have to go to the bank for face-to-face signing.

In addition, the convenience of online application also allows many netizens to cast their nets widely, and some will apply for cards in online channels of different banks at the same time. In this way, they will repeatedly check the credit information in a short time, which will make the bank think that the applicant is short of money and the card approval may be rejected. It will take at least three months to apply again, otherwise there is a great possibility of rejection.

2. Bank application

The biggest advantage of handling credit cards at bank outlets is that they can provide information. Friends who have proof of assets such as real estate, certificates of deposit, and wealth management products. After being submitted to the bank, it can improve the approval rate and help to approve large-value cards.

After the card is approved, the bank will send it directly to the card receiving address. After you get the card, you can choose any way to activate it directly, and you don't need to go to the bank to sign it. However, there are also some disadvantages in this way, such as how troublesome it is to fill in the information and how troublesome it is to queue up at the bank. Operating environment; Apple 12iOS 14

1. Counter application steps:

(1) The applicant goes to the bank counter, submits the application materials on the spot and fills in a complete credit card application form; People who apply for cards usually go to bank branches.

(2) Branches and sub-branches preliminarily verify the applicant's information and enter it into the system.

(3) The information shall be further verified by the superior bank, and finally sent to the credit card center of the Head Office, which will review the applicant's information.

(4) If the examination fails, send a short message to the applicant and refuse to issue the card; After the examination and approval, send a text message to inform the applicant that the preliminary examination has passed.

(5) After passing the preliminary examination, the bank staff will pay a telephone call back to the applicant, dial the company fixed line or home fixed line, and manually check and verify the applicant's information.

(6) After the manual telephone call is passed, the card will be approved.

(7) banks do cards.

(8) Send cards by courier. Jinpu cards are generally sent by registered mail, and high-end cards such as platinum cards are sent by express mail.

(9) After receiving the card, the applicant can use it by telephone.

2, online application steps:

(1) The applicant directly fills in and submits the application materials online, and the application materials directly enter the credit card center of the bank headquarters.

(2) The credit card center of the bank headquarters will review the applicant's information. If the review fails, it will send a short message to the applicant and refuse to issue the card; After the examination and approval, send a text message to inform the applicant that the preliminary examination has passed.

(3) After the first trial is passed, the bank staff will pay a telephone call back to the applicant, often dial the company fixed line or home fixed line, and manually check and verify the applicant's information.

(4) After the manual telephone call is passed, the card will be approved.

(5) banks do cards.

(6) Send cards by courier. Jinpu cards are generally sent by registered mail, and high-end cards such as platinum cards are sent by express mail.

(7) After receiving the card, if it is a new customer of the bank, the applicant needs to personally go to the nearest bank outlet for face-to-face signing.

(8) After the interview is passed, the card can be opened for use.