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 have prepared 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, after taking the number, you can ask the bank lobby manager 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. submit information. Fill in the corresponding information and wait until the bank counter calls. After you get the number, go to the counter and submit the information needed to apply for the card, waiting for the bank to review it.

5. Anti-audit. After receiving your review information, the 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 there is, it will pass the audit. If you can't do it, it will tell you why you can't.

6. Card issuing is activated. If the bank has already 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:

1. Advantages and disadvantages of applying for a credit card:

(a) Benefits of a credit card:

1. You can enjoy an interest-free period of 2-56 days without deposit.

2. 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. supplementary card function, which can manage money together and master children's financial expenditure.

9. In the form of one card and two currencies, domestic RMB can be used for repayment when spending abroad.

the p>1-hour and 24-hour service hotline will take effect immediately if the loss is reported.

11. 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 higher.

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.