You can use mobile banking, "China Bank Credit Card" WeChat official account, colorful life APP, personal online banking and Bank of China official website () to do online card processing. You can also bring your valid ID card and economic certificate to the nearest BOC outlet to fill out a paper application form.
The above contents are for your reference. Please refer to the actual business regulations.
How do college students handle credit cards?
The way to apply for a credit card is to fill 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.
1. Under normal circumstances, students apply for student credit cards, but due to limited financial capacity, banks generally will not approve them. Therefore, if you can't show your financial proof, you must choose the right day before applying for a credit card.
2. At the beginning of school, or at the same time of large-scale festivals, banks usually do activities for students. At this time, you must remember to seize this opportunity and ask the bank staff in your school carefully. To successfully apply for a credit card, you have to deal with the bank eventually, and there is no handling fee for handling it.
3. When handling, be sure to ask about the accounting of the annual credit card fee, overdraft limit, repayment period and withdrawal fee.
After filling in your information carefully, the bank staff will copy your ID card, student ID card, etc. Attention, in the next few weeks, you have to wait for the call. Your credit card will be approved if you meet the application conditions.
When you receive the credit card, there are three ways for the bank to give it to you: express delivery, sending it to you at school and calling you to pick it up at the bank. After receiving the credit card, just open it in the way specified by the bank. Be careful about credit card overdraft.
Precautions for student credit card application:
① If the student's credit card application is unsuccessful, he can continue to apply next time. Don't always apply for one bank, apply for more. Generally, you are more likely to apply for a credit card at the bank with a debit card.
(2) How do students apply for a credit card? What kind of credit cards should they fill out according to their actual needs? Don't fill in the types of credit cards casually or blindly.
③ When using credit card for overdraft, it must be used reasonably. Make sure you are within your repayment range. You can use a credit card to withdraw your living expenses (this fee is very low now), and at the end of the month, you can withdraw the money from your debit card and learn to raise your own card.
How do college students handle credit cards?
According to the policy of the central bank, college students can't apply for credit cards. So the student credit card with China characteristics was born. The biggest difference between student credit cards and credit cards is that there is no quota, and other benefits are related to the relevant banks.
Credit cards that college students can apply for: Shanghai Pudong Development Bank Campus Youth Card, China Merchants Bank Youth Card and China Construction Bank College Student Dragon Card.
Take China Merchants Bank Young Student Card as an example: there are two ways to apply, the first is online application, and the second is through WeChat official account. According to experience, official website's response is not as fast as WeChat. Add the official account of China Merchants Bank credit card WeChat, select the card, card type and fill in the information. Especially when filling in information, for the safety of personal information, you must fill it out truthfully. Fill in the form and wait for the card to be issued. Usually I will go to the bank for a face-to-face interview in three days, and then wait for the card to be delivered. You can open a credit card after you get it. To sum up: Pufa is still a magnetic stripe card, and China Merchants Bank is an ic chip card. In terms of workmanship, China Merchants Bank is obviously better, which is clear at a glance.