There are two ways to apply for a credit card, the first is to apply for a card offline, and the second is to apply for it online, that is, to apply for a credit card online.
Tools/materials
browser
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First of all, there are many kinds of credit cards. You first find a bank's credit card, then search the bank's credit card official website and choose a credit card.
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You need an old windows browser to get a credit card. Just open it directly.
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Enter your name, certificate, city, etc. And then wait until the bank pays a return visit to know whether the card is successful or not.
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After receiving the card, because of online application, you need to take the card and ID card to a nearby outlet to activate the card.
Special tips
I hope it helps you, thank you!
How to apply for a credit card online
You can apply for a card online.
I. Online application process:
1. Enter the bank card application page through the ICBC portal or personal online banking.
2. Select the provinces and cities to apply for bank cards, and click Apply.
3. Fill in the application information completely according to the prompt requirements, designate the card receiving outlets, read the Instructions for Safe Card Use and the Automatic Repayment Business Agreement of China Industrial and Commercial Bank, and confirm whether you agree with the applicant's statement;
4. After confirming the applicant's statement, you can click "Submit" to complete the application process. After submitting the application, you can click "Continue to apply" to enter the product selection page and continue to apply for other products.
5. You can check the card processing progress through the counter, telephone banking, portal website or personal online banking.
6. After receiving the card, the reservation card collection outlet will send a card collection notification message to the applicant.
7. After receiving the card receiving notice, the applicant must present his/her valid ID card to the designated card receiving outlets for receipt confirmation, card receiving and business opening.
2. Which banks can handle cards online?
If you are the first card, there are many online applications. To be exact, common banks, especially those with lively ideas, such as China Merchants, CITIC, Transportation and Guangfa, can apply online. But in view of the bank's audit, you and the bank people need to see it in person. China Merchants Bank is a salesman who visits your company after you apply, as well as CITIC, Communication, etc. I will give you a card after the online preliminary examination, but this card can't be used for the time being, and it can't be officially opened until you personally take the card to the bank outlet for face-to-face signing. Otherwise, if not all applications are submitted by myself, it will violate the regulations of the CBRC. If you are not the first card, that is to say, you already have the bank's card and apply for a second card, then industry and commerce, construction, investment promotion, CITIC, transportation, people's livelihood, industrial development, etc. You can basically apply online.
3. What are the requirements for online card processing?
1. First of all, the credit card held by the applicant is in normal condition and has no bad credit record.
2. According to the information from the public channels, the banks that support credit card swiping at present are: China Bank, Bank of Communications, Shanghai Pudong Development Bank, China Everbright Bank, Huaxia Bank, Industrial Bank, Ping An Bank and China Guangfa Bank. Generally speaking, for these banks, the card with the longest service life and the highest amount in your hand will be more popular. However, you still need to consult the customer service of all banks. Each bank's card-to-card mode has its own rules.
3. When applying for a credit card, try to provide personal financial proof, such as: copy of self-owned property certificate, original and copy of motor vehicle driving license, copy of bank deposit (living) certificate, or copy of academic certificate, etc. 4. The service life of the reference card in your hand should meet the standard, at least for half a year, with a limit of not less than 5000 and no bad records. In addition, the number of cards in a person's name should not be too much. For ordinary people, four cards are almost the same.
Can I apply for a credit card online?
You can apply for a credit card online. Generally speaking, applying for a credit card online should be done on the official website of the issuing bank. The official website interface layout of different banks may be different, so pay attention to the distinction when using it. The specific application steps are as follows:
1. Open Baidu browser with your mobile phone and log in to official website, the bank to which your credit card belongs.
2. Find the "Credit Card" option in the main menu on the home page, and click to enter the credit card business page to handle our credit card business.
3. The menu item "Credit Card Application" is generally obvious on the credit card business page. Find "Credit Card Application", and find "Do Card Now" in the column of "Credit Card Application" to enter the personal credit card online application page.
4. After entering the personal credit card online application page, the varieties and types of all credit cards of the bank will be listed in the webpage for the applicant to choose. After choosing the right credit card, the next step is to fill in the information. According to the process set by the webpage, fill in the basic personal information first, then fill in the information such as income status and work status, then read the relevant credit card statement agreement of the bank and click the consent agreement, and then submit the application.
5. Just wait after submitting the application. During the waiting period, the bank will review and evaluate the applicant's information to see if he can repay the credit card. After the approval, the bank will make a card for the applicant and mail it to the applicant.
Operating environment:
Brand model: iPhone 13
System version: iOS 15.0
Application version: v 13.2
The requirements for online credit card application are the same as those for counter application. Applicants are required to be between 18-65 years old, able to afford the maximum amount of credit card application, and have no record of bad behavior in the bank credit information system. If a guarantee company or individual is required to guarantee the card, it is necessary to show the guarantee qualification materials of the guarantee company or guarantor. In addition, different banks have different requirements for credit card types, which shall be subject to the bank's interpretation.
Benefits of credit cards:
1. Handling a credit card can effectively solve the problem of insufficient funds for users. Credit card handling does not require loans or borrowing money from others.
2. Using credit card has rabbit interest time, so users can invest their own money and pay it back in the future repayment time, which effectively improves the utilization rate of funds.
3. Credit card issuers will cooperate with merchants, and users can enjoy preferential treatment; 4, credit card repayment on time can increase a good credit record.
These are the benefits of credit cards.
Advantages and disadvantages of credit cards:
1. Some service personnel may overspend during cardholders' consumption, or steal credit cards for other merchants' consumption, which may happen in both physical and online virtual merchants.
2. The credit system is still not perfect, and there is still a phenomenon of lax review in bank credit granting, insufficient protection of citizens' own information security, and serious credit card crimes.
3. Users' blind credit card spending may lead to excessive consumption and irrational consumption.
4. There is no interest-free period for credit card cashing, and users need to be charged a handling fee.
This concludes the introduction of online credit cards and online credit cards. I wonder if you have found the information you need?