How to apply for a 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, apply for a credit card through a 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 and are approved by the People's Bank of China are invalid and subject to corresponding criminal liability.

Credit card processing procedures

The process for applying for a credit card is as follows:

1. Apply for a credit card at a bank branch.

(1) Fill out the credit card application form at the bank and submit the application materials such as personal certification and income. , position and other information must be filled in truthfully.

(2) Waiting for bank approval. During the credit card review stage, users can check the credit card application progress on the official website of the bank.

(3) After the bank approves the application, the credit card will be sent to you by express delivery. If the application fails, you will also receive information from the bank.

2. Apply for a credit card online.

(1) Click "Credit Card" on the bank's official website app.

(2) Click "Apply for Card" after entering.

(3) Select the type of credit card you want to apply for. Click "Apply Now". Fill in and complete your personal information as required and submit.

(4) Wait for the bank's review and wait for the bank's express delivery.

CreditCard) is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.

The form of a credit card is a card with the name of the issuing bank, validity period, number, cardholder name and other information printed on the front. With the card, consumers with credit cards can shop or consume at specially appointed commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

The functions of credit cards:

1. It facilitates people’s lives and saves the trouble of carrying cash. There are no geographical restrictions on the use of credit cards. No matter when you swipe the card anywhere in the country, As long as there is a UnionPay logo, you can swipe it, and there is no handling fee;

2. You can participate in various preferential and discount activities cooperated by merchants and banks;

3. Earn money from swiping card purchases Points can be redeemed for gifts;

4. Timely repayment after swiping the card will improve personal bank credit.

Uses of credit cards:

1. Shopping.

2. Microcredit.

3. Save money.

4. Save money when shopping.

5. Credit card value-added services, get cheap insurance and travel.

6. Credit certificate.

Credit card cash withdrawal methods are:

1. Cash withdrawal at the counter:

Card holders can bring their credit card to any bank counter and submit a cash withdrawal application to the staff. , and then enter the withdrawal password with its help to withdraw cash.

2. Bind the card to withdraw cash:

The cardholder can bind the credit card to a peer savings card in credit card online banking, and then transfer the credit limit to the savings card. Then use the debit card to spend, this behavior is also called cash withdrawal.

3. Withdraw cash from an ATM teller machine:

Insert your credit card into the ATM teller machine, enter the payment password of the credit card, select cash withdrawal, then enter the cash withdrawal amount, and finally confirm.

The methods of credit card repayment are:

1. Repayment through ATM machine. Cardholders can go to the bank's ATM machine, insert the card for deposit, and deposit the money into the credit card to repay the money.

2. Mobile banking repayment. All major banks have mobile banking software. Once installed on your mobile phone, you can repay credit cards.

3. Alipay repayment. Alipay has a credit card repayment function. Click "Credit Card Repayment" on the homepage to 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. Repayment at bank counter. Cardholders can go to bank branches with their credit cards, ID cards and cash and handle credit card repayment over the counter.

How to apply for a credit card

How to apply for a credit card:

1. Prepare the information. When preparing to go to the bank to apply for a credit card, you must first prepare the corresponding application materials, which generally include original ID cards, work certificates, income certificates, etc.

2. Go to the bank to get the number. After preparing the information, you need to choose a bank outlet you like, go to the bank's self-service number-taking machine during working hours, pick up the number and prepare to handle the business.

3. Fill in the card application information. Generally, after getting the number, you can ask the bank's lobby manager how to fill in the information, and fill in the information according to the staff's prompts and the template provided by the bank. The information must be filled in accurately and cannot be erased.

4. Submit information. After filling in the corresponding information, wait until the bank counter calls your number. When the number you get is called, go to the counter to submit the information required for card application and wait for the bank's review.

5. Counter review. After receiving your verification information, the bank counter staff will review the information according to the bank's corresponding regulations to see if it meets the conditions for applying for a credit card. If so, it will pass the review. If it cannot be applied for the card, it will be informed that it cannot be applied for the card. reason.

6. Card activation. If the bank has approved the card application, the bank counter staff will issue the card to you in time and help you activate the card. From then on, your credit card application will be successful.

How to apply for a credit card and what is needed?

The credit card processing method is as follows:

1. Prepare materials. When you go to a bank to apply for a credit card, you must first prepare the corresponding application materials, which generally include original ID cards, work certificates, income certificates, etc.

2. Go to the bank to get the number.

After you prepare the information, you need to choose a bank outlet you like, go to the bank's self-service number-taking machine during working hours to pick up your number, and prepare to handle 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 staff's prompts and the template provided by the bank. The information required to be filled in must be accurate and cannot be erased.

4. Submit information. After filling in the corresponding information, wait until the bank counter calls your number. After getting the number, go to the counter to submit the required information for card application and wait for bank review.

5. Anti-audit. After receiving your verification information, the counter staff will review the information according to the bank's corresponding regulations to see if it meets the conditions for applying for a credit card. If so, it passes the review. If it can't do it, it will tell you why it can't be done.

6.Card issuance is activated. If the bank has already applied for the card, the bank counter staff will issue the card to you in time and help you activate it. From that point on, your credit card has been successfully processed.

Extended information:

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

(a) Advantages of a credit card:

1. No deposit required For overdraft consumption, you can enjoy an interest-free period of 20-56 days.

2. When shopping, you will get points as gifts.

3. Special merchants who hold cards at the bank can enjoy discounts.

4. Accumulate personal credit, and the credit record can be added to the credit file.

5. You can withdraw money or swipe your card at ATMs and POS machines with the UnionPay logo.

6. Some credit cards accept existing points.

7. Free monthly mailing of statements.

8. With the supplementary card function, you can manage finances together and control your children’s financial expenditures.

9. In the form of one card and two currencies, you can use domestic RMB to repay when you spend abroad.

10. 24-hour service hotline, loss report takes effect immediately.

11. Cooperate with third-party platforms to provide cardholders with preferential services.

(2) Disadvantages of credit cards:

1. Credit cards can easily lead to over-consumption.

2. Credit cards have higher annual interest rates.

3. Credit card debt can cause mental stress.

4. If your credit is not good, the cost of borrowing money will be higher, and you may even not be able to borrow money.

How to apply for a credit card at the bank?

The specific process for applying for a credit card at the bank is as follows:

1. Must be over 18 years old, hold a valid ID card, no Requirements such as bad credit record can be applied to the bank.

2. Bring your ID card, income certificate and other relevant materials to the bank branch for processing, collect and fill out the application form, and submit it to the bank together with the supporting materials, waiting for review.

3. The bank will give a credit card limit based on a comprehensive assessment based on your salary, assets and personal credit.

4. After review, the bank will send the credit card to your reserved address, or pick it up at a bank outlet.

5. After getting the credit card, activate it and you can use it.

Classification of credit cards:

Credit status

According to the different credit status of the cardholder, it can be divided into ordinary cards and gold cards

(1) Ordinary card. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

(2)Gold card. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.

Repayment methods

According to different repayment methods, credit cards can be divided into credit cards and quasi-credit cards

(1) Credit cards. When the card-issuing bank provides bank credit, it is first used as an overdraft, and then repaid or paid in installments. Most of these cards are used internationally.

That is to say, the way that cardholders are allowed to pay off their credit card accounts without deposits is "spend first, deposit later". Most of these cards are used internationally.

(2) Quasi-credit card. It refers to a credit card in which the cardholder must first deposit a certain amount of reserve fund as required by the card-issuing bank. When the balance of the reserve fund account is insufficient for payment, the cardholder can overdraw within the credit limit specified by the card-issuing bank, but the overdraft part will be calculated from the day of overdraft. Interest is charged and does not enjoy the interest-free period (quasi-credit cards do not require a deposit).

Circulation scope

According to the different circulation scope of credit cards, they can be divided into international cards and regional cards

(1) International cards. An international card is a credit card that can be used outside the country of issue and is accepted worldwide. The five major overseas groups (MasterCard, Visa International, American Express, JCB and Diners Club) issued MasterCard, VISACard, American ExpressCard and JCB respectively. (JCBCard) and DinersClubCard are mostly international cards.

(2)Regional card. A regional card is a credit card that can only be used within the issuing country or within a certain region. Most of the various credit cards issued by Chinese commercial banks are regional cards.

This is the end of the introduction about what to do when a bank applies for a credit card and what to do when a bank applies for a credit card. Have you found the information you need?