The credit card processing method is as follows:
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 prepare 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, you can ask the bank lobby manager how to fill in the information after taking the number, 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 for the phone call from the bank counter. After getting the number, go to the counter to submit the information needed to apply for the card and wait for the bank to review it.
5. Anti-audit. After receiving your audit data, the counter staff will review the data according to the corresponding regulations of the bank to see if it meets the conditions for handling credit cards. If there is, it has passed the audit. If you can't do it, it will tell you why.
6. Hairpins are activated. If the bank has 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:
First, the advantages and disadvantages of doing a credit card:
(a) Benefits of credit cards:
1. If there is no deposit for overdraft consumption, you can enjoy an interest-free period of 20 to 56 days.
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. Accessory card function, you can manage your finances together, and you can also master your child's financial expenses.
9. In the form of one card and two coins, you can repay in domestic RMB when you spend abroad.
10, 24-hour service hotline, loss reporting takes effect immediately.
1 1. 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 relatively high.
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.
How to apply for a credit card and what do you need?
The credit card processing method is as follows:
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 prepare 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, you can ask the bank lobby manager how to fill in the information after taking the number, 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 for the phone call from the bank counter. After getting the number, go to the counter to submit the information needed to apply for the card and wait for the bank to review it.
5. Anti-audit. After receiving your audit data, the counter staff will review the data according to the corresponding regulations of the bank to see if it meets the conditions for handling credit cards. If there is, it has passed the audit. If you can't do it, it will tell you why.
6. Hairpins are activated. If the bank has 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:
First, the advantages and disadvantages of doing a credit card:
(a) Benefits of credit cards:
1. If there is no deposit for overdraft consumption, you can enjoy an interest-free period of 20 to 56 days.
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. Accessory card function, you can manage your finances together, and you can also master your child's financial expenses.
9. In the form of one card and two coins, you can repay in domestic RMB when you spend abroad.
10, 24-hour service hotline, loss reporting takes effect immediately.
1 1. 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 relatively high.
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.
How to apply for a credit card?
The first credit card application method is: the applicant directly applies at the bank counter. If you apply in a bank, you must fill in the information directly. There are bank staff at the scene who can guide me to fill in the relevant information, which can avoid the problem that we are rejected because of the wrong information. At the same time, more qualification certificates and wealth certificates can be issued, which is conducive to improving our final credit card limit. However, it will be relatively slow to review the credit card at the bank counter, because you have to report the information of the branch to the credit card center, and then the card center will review your information. Another way is to apply for a credit card online: now we can apply for a credit card in official website, but this way of applying for a card online is to fill in the information ourselves, which is more likely to lead to the problem of filling in the wrong information, which will lead to rejection. But online processing is mainly convenient without going out, as long as a mobile phone or computer can handle it. There is another way to handle credit cards: through the bank's credit card salesman. We can often see these bankers selling credit cards in shopping malls or other stores. This way of handling cards is to receive awards, but because they are all business personnel, the main purpose is to obtain performance. Therefore, we should carefully weigh some things that guarantee a high amount of credit and ensure card issuance, and don't believe it too much. The process of handling a credit card is 1. Prepare application materials. 2. After the materials are ready, you can apply to the bank or make an appointment online. 3. Then wait for the approval of the bank. During the approval process, the bank will call the applicant to verify the information. 4. After the approval, the bank will mail the card to the applicant, and get the card about 3 weeks after submitting the information successfully. "Legal basis: As a civil act, the credit card business has been stipulated in principle by the General Principles of Civil Law, Contract Law, Criminal Law, China People's Bank Law, Commercial Bank Law and other laws. In Chapter 5 of the Law of China People's Bank, the People's Bank of China examines and approves the establishment, alteration, termination and business scope of financial institutions according to regulations. There are 65,438+03 items in the business scope of Article 3 of the Commercial Bank Law, and the credit school business belongs to 65,438+03 other businesses approved by the People's Bank of China. Violation of laws and regulations is invalid, and corresponding criminal responsibility should be borne.
Credit card processing flow
The credit card processing flow is as follows:
1. Handle the credit card at the bank branch.
(1) Fill in the credit card application form at the bank and submit personal certificates and other application materials. The application form should include all information such as income and position.
(2) Waiting for bank approval. In the credit card review stage, users can go to the bank official website to check the progress of credit card application.
(3) After the approval of the bank, the credit card will be sent to you by express delivery. If the audit fails, you will also receive information from the bank.
2. Apply for a credit card through the Internet.
(1) Click "Credit Card" on the Bank official website app to enter.
(2) Click "Handle Card" after entering.
(3) Select the type of credit card you want to apply for and click "Apply Now". Fill in and improve personal information as required and submit it.
(4) Wait for the bank's audit, and wait for the bank's express mail after the audit is passed.
Credit card is a credit certificate issued by commercial banks or credit card companies to qualified consumers.
The form of credit card is a card with the name of the issuing bank, expiration date, number, cardholder's name and other contents printed on the front. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.
The role of credit cards:
1. It is convenient for people's life and saves the trouble of carrying cash. And there are no geographical restrictions on using credit cards. Whenever you swipe your card anywhere in China, you can swipe it as long as you have the UnionPay logo, and there is no handling fee;
2. Be able to participate in various discount activities in cooperation between merchants and banks;
3. The points earned by credit card spending can be exchanged for gifts;
4. Timely repayment after swiping the card will enhance the credibility of personal banks.
The purpose of the credit card:
1. Shopping consumption.
2. Microfinance.
Save money.
4. Shopping saves money.
5. Value-added services of credit cards to obtain cheap insurance and travel.
6. Credit certificate.
Credit card withdrawal methods are:
1. Cash withdrawal at the counter:
Cardholders can take their credit cards to any bank counter, apply to the staff for cash withdrawal, and then enter the cash withdrawal password with their help to withdraw cash.
2. Cash withdrawal by tying the card:
The cardholder can bind the credit card with a peer savings card in the online banking of the credit card, then transfer the credit line to the savings card, and then use the savings card for consumption, which is also called cash withdrawal.
3.ATM withdrawal:
Insert the credit card into the ATM, enter the payment password of the credit card, select cash withdrawal, then enter the cash withdrawal amount, and finally confirm.
Credit card repayment methods are:
1, ATM repayment. Cardholders can go to the ATM of the bank to make a card deposit, and depositing money in the credit card means paying back the money.
2. Mobile banking repayment. All major banks have mobile banking software, which can be installed on mobile phones to repay credit cards.
3. AliPay repayment. Alipay has a credit card repayment function. Click "Credit Card Repayment" on the homepage, and you can repay after binding the credit card.
4. wechat repayment. There is a credit card repayment function on WeChat. Click "Me"-"Pay" to see the "Credit Card Repayment" function.
5. Repay at the bank counter. Cardholders can go to bank outlets with credit cards, ID cards and cash, and handle credit card repayment business at the counter.
What about the credit card when I go to the bank?
The specific process for banks to handle credit cards is as follows:
1. At least 18 years old, with valid identity documents and no bad credit record, you can apply to the bank.
2. Bring ID cards, income certificates and other related materials to the bank outlets, collect and fill out the application form, and submit it to the bank for review together with the supporting materials.
3. The bank will comprehensively verify your salary, assets and personal credit, and give a credit card limit.
4. After the bank checks, it will send the credit card to your predetermined address, or pick it up at a bank outlet.
You can use the credit card when you get it and activate it.
Classification of credit cards:
credit position
According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.
(1) ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.
(2) gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.
Liquidation method
According to different payment methods, credit cards can be divided into credit cards and quasi-credit cards.
(1) credit card. That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation. In other words, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used for international circulation.
(2) quasi-credit card. It refers to a credit card in which the cardholder must first deposit a certain amount of reserve funds according to the requirements of the issuing bank. When the balance of the reserve account is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank, but interest will be charged from the date of overdraft, and interest-free period will not be enjoyed (reserve is not required for quasi-credit card).
Circulation range
According to the different circulation scope of credit cards, they can be divided into international cards and regional cards
(1) international card. International card is a kind of credit card that can be used outside the issuing country and is universal. MasterCard, VISACard, AmericanExpressCard, JCBCard and DinersClubCard issued by five overseas groups (MasterCard, Visa International, American Express Card and DinersClubCard) are mostly international cards.
(2) regional cards. Regional card is a kind of credit card that can only be used in the country or region where the issuing bank is located. Most credit cards issued by China Commercial Bank belong to regional cards.
So much for the introduction of how banks handle credit cards.