How to apply for a credit card as an individual

1. Application

In most cases, those with full capacity for civil conduct (citizens over 18 years old in mainland China) Citizens with certain direct financial resources can apply for a credit card from the card issuing bank. Sometimes, legal persons can also be applicants.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature. [8]

2. Review

After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. The creditworthiness of the applying unit must be evaluated, and the relevant circumstances of the guarantor must also be reviewed for individuals.

Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand. The standards of each card-issuing bank are also different. Therefore, the same materials may be issued with different credit limits and different types of credit cards in different banks. Some banks may even approve the application, while others may reject it. .

3. Card issuance

After the applicant successfully applies for a credit card, the card issuer will open a separate credit card account for the cardholder at the card-issuing bank for shopping, consumption and cash withdrawal. Settlement.

4. Open a card

Since the card is sent by mail after the credit card application is approved, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from fraud losses, the credit card has set up a card opening procedure before it is officially launched. Card opening is mainly done by phone or online. The relevant personal information provided during the application is checked. Once the information is met, the card opening process is completed. At this point, the applicant becomes the card holder and can officially start using it after signing on the back of the card. After opening a credit card, you generally need to set up a password for the card.

After accepting a credit card, a credit card merchant or bank must review the validity of the credit card and the identity of the cardholder.

5. Identification

The credit card must have at least the following information:

Front: name and logo of the issuing bank, credit card number (organization logo) and holographic anti-counterfeiting mark, name in English or Pinyin, activation date (generally calculated to month), validity date (generally calculated to month), the latest issued card is equipped with a chip on the front, and the chip account and the card magnetic stripe account are two relatively independent accounts.

Back: Card magnetic stripe, cardholder signature field (signature required after activation), service hotline number, last four digits or all of the number (to prevent fraudulent use), credit card security code (on the back of the credit card) On the signature line, the three digits immediately following the last four digits are used for credit card activation, password management, television, telephone and online transactions, etc.).

6. Authorization

The merchant and bank confirm that the credit card is valid, and contact the bank to request authorization according to the contract signed with the card issuer. Authorization is to further confirm the cardholder's identity and the amount that can be used. Authorization is generally made when the usage amount specified in the contract is exceeded.

After receiving the authorization notice, the card-issuing bank will issue an authorization instruction based on the deposit balance of the cardholder's deposit account and the bank's agreement to allow overdraft, and reply whether it agrees to conduct the transaction.

7. Use

Credit cards are usually only used by the cardholder himself. Lending them to others is generally a violation of the use contract.

How to apply for a credit card with an individual business license?

Due to the risky nature of the credit card business, banks will conduct a detailed review of the applicant's information when applying for a credit card. Generally, self-employed individuals, entertainment industry practitioners, freelancers, etc. have a lower probability of passing the review. , especially the four major state-owned banks, Bank of China, Industrial and Commercial Bank of China, Agricultural Bank of China, and China Construction Bank, have higher thresholds for applying for credit cards. It is recommended to choose commercial banks to apply for credit cards, such as CITIC Bank, China Guangfa Bank, China Everbright Bank, etc.

Proof materials required to apply for a credit card:

1. Proof of identity: ID card of the applicant aged 18 to 65 years old;

2. Copy of business license , income statements and other documents that can prove your income;

3. Proof of financial resources: usually real estate certificates, driving licenses, funds, stocks, deposits, etc.;

It is recommended that you prepare the above After submitting the required materials, go to a commercial bank outlet to apply for a credit card or log in to the bank's official website to fill in the detailed information and submit the application. Choose formal channels to apply, and don't be deceived by fake agencies.

Consumption of advertisements at will

Emergency channel for quick payment!

Prepare a copy of your business license, proof of financial resources, and proof of identity, and then go to a bank branch to apply for a credit card. The more recommended ones are China CITIC Bank, Everbright Bank, etc., with a high approval rate. I wish you a successful card application as soon as possible. !

For more information about how to apply for a credit card with a self-employed business license, go to: View more content

How to apply for a credit card if a self-employed person has no job? There are two channels

To apply for a credit card, you need to have a stable job, and you also need to fill in your work unit and phone number, which is exactly what self-employed people least have. Nevertheless, as long as self-employed people master some skills, they can still apply for a credit card as they wish even if they don't have a job. Let's take a look.

For self-employed individuals, you can apply for a credit card online or offline. Different application channels require different things to pay attention to.

1. Apply for a card online:

Just apply through the bank’s official card application link, fill in the relevant information and submit it.

However, there is no self-employed option in the application form, so when filling in the company information, you should pay attention to the company address and company phone number. If you are self-employed with a business license, just write the address and phone number on the business license; if you don't have a physical store, such as opening a Taobao store, write your home address, as well as the landline at home or the landline of your relatives and friends, and wait for the bank to call and say that you are doing business. of.

The online application may require an interview. If you pass the preliminary review, just bring your valid ID card and the relevant materials mentioned in the interview text message. Remember to answer the correct questions.

2. Applying for a card offline:

It is relatively easier than applying for a card online. After all, many banks approve cards for self-employed individuals, who need to bring a business license, A valid ID card, tax returns for the past three months, bank statements, etc. that can prove your income. If you want to increase the success rate, you can also bring proof of financial resources such as real estate, cars, deposits, funds, stocks, bonds, etc.

However, if the self-employed cannot provide business license, income certificate, etc., it is best to choose to apply for the card online. The pass rate will be higher than applying for the card at the counter. The details are subject to the bank's review results. .

How to apply for a credit card without an employer

How to apply for a credit card without an employer:

1. If the user is an individual merchant, you can provide your personal business license and Your most recent income statement and tax returns for the past three months.

2. Users can apply if they have certain assets, such as houses, cars, time deposits and other property certificates.

3. If you have just graduated and do not have a job, you can ask your parents to apply for an additional card for you.

Requirements for applying for a credit card:

1. The applicant must be over 18 years old and have full capacity for civil conduct;

2. Have a stable income and be able to repay on time Arrears;

3. The applicant's personal credit report is good;

4. Other conditions stipulated by the bank. Usually when users apply for the first time, they can consider the regular cards launched by banks. In this way, the bank will quickly pass the review and get the credit card faster, but the limit will not be too high.

Users can apply for a credit card through the bank's official website, bank counter, mobile banking and other channels. When applying through online channels, users can know in detail the rights and interests included in the credit card. The conditions for using the benefits, and knowing whether it is what you want most. After all, a credit card with more benefits can allow users to save more money when using it.

Usually, you will get a new card in about 30 days after applying for a credit card.

After you get the card and activate it, you can use it. You can choose different channels during activation, such as bank counters. , bank customer service, sending text messages, etc. Cardholders can choose the method that suits them, and they can use it after activation.

Users must return the credit card on time after daily use, and there must be no overdue situation. When they cannot return the credit card on time, they can use installment repayment or the minimum repayment amount, which can effectively reduce the monthly repayment amount and avoid overdue payments. In fact, if you can't return it on time, you can borrow money from your friends and just return it to them later.

In general, when applying for a credit card, the bank ultimately determines the user's repayment ability. As long as the user can prove his or her repayment ability, he or she can apply for a credit card even if he or she is not working. If the applicant does not have a job and still wants to apply for a high-limit credit card, he or she can only provide strong proof of financial resources.

I would like to ask what materials a self-employed business owner needs to apply for a credit card

To apply for a credit card, a self-employed business owner must first meet three basic conditions:

1. Age requirement: 18~65 years old and have full capacity for civil conduct;

2. Credit conditions: good credit, no bad credit record;

3. Income conditions: have a stable source of income and be able to guarantee every Repay the loan on time each month;

The required supporting materials are:

1. A business license that is more than 6 months old and has a current flow: This is how the bank determines whether you have a stable ability to repay. Key evidence is indispensable;

2. ID card: Generally, it is the ID card of the applicant who has full capacity for civil conduct, and cannot be an ID card that is about to or has expired;

3 . Proof of financial resources: optional, usually income tax withholding certificates, or documents proving the market value of houses, cars, deposits and investments (such as real estate certificates/car driving licenses/copies of bank time deposit certificates) that can prove your financial level. material. The probability of passing is higher if you provide proof of financial resources.

Individual merchants are advised to go to commercial banks to apply for credit cards, such as China Merchants Bank, China Guangfa Bank, China CITIC Bank, etc.

A copy of the business license, proof of income, proof of financial resources, and proof of identity are required. The business license is generally required to be more than 6 months old.

For more information about what materials are needed for individual merchants to apply for a credit card, go to: View more content

How to apply for a personal credit card?

The first way to apply for a credit card is: the applicant goes directly to the bank counter to apply. If you apply at a bank, you must fill in the information directly. There are bank staff on site who can guide me in filling in the relevant information, which can avoid the problem of being rejected if the information is filled in incorrectly. At the same time, we can issue more qualification certificates and wealth certificates, which will help increase our final card purchase limit. However, the credit card review process at the bank counter will be relatively slow, because the information must be reported from the branch to the credit card center, and then the card center will review your information. Another way is to apply for a card online: Nowadays, when applying for a credit card, we can apply for it on the official website of the credit card. However, when applying for a credit card online, we have to fill in the information ourselves, which makes it easier to fill in the information incorrectly. was dismissed. However, online application is mainly convenient and you don’t have to go out. You only need a mobile phone or a computer to apply. There is another way to apply for a credit card: that is to apply for a credit card through the bank's credit card clerk. We often see these bank staff setting up stalls in shopping malls or other stores to promote credit card applications. This method of applying for a card allows you to receive prizes, but since they are all business personnel, their main purpose is to obtain performance, so we still have to carefully consider things that guarantee a high limit and ensure the card is issued, and not to believe too much. The process of applying for a credit card 1. Prepare the application materials. 2. After the materials are ready, you can go to the bank to apply or make an appointment online.

3. Then wait for the bank's approval. During the approval process, the bank will call the applicant to verify the information. 4. After the approval is passed, the bank will mail the card to the applicant. It will take about 3 weeks to get the card after successfully submitting the information. "Legal basis: Credit card business is a civil act. The General Principles of Civil Law, Contract Law, Criminal Law, People's Bank of China Law, Commercial Bank Law and other laws have principled provisions on credit card business. Chapter 5 of the "People's Bank of China Law" states that the People's Bank of China examines and approves the establishment, change, termination and business scope of financial institutions in accordance with regulations. Article 3 of the "Commercial Bank Law" has 13 items in its business scope. Credit goes to school. Businesses that fall under Item 13 are invalid and are subject to corresponding criminal liability if they are approved by the People's Bank of China.

How to apply for a credit card and how to handle it as a self-employed person. This ends the introduction to credit cards. Did you find the information you need?