Is it true that China Construction Rongtong Investment Guarantee (North) Co., Ltd. has applied for a credit card?
Don’t believe it.
Nowadays, many scammers pretend to be regular companies from other places,
saying that they can provide nationwide credit card agency services.
And all you need is your ID card and faxed contract.
These are all liars. Don't believe it.
Loans are only available where you live. For a credit card, just go to the official website to apply!
Which bank in Chaoyang, Beijing offers door-to-door credit card processing services?
All banks in Chaoyang District, Beijing,
have door-to-door credit card processing services.
But if you want to do one or two, we won’t come to your door.
Usually it is done collectively at the unit.
You can ask the customer service of your favorite bank.
The bank customer service statement shall prevail.
Is it credible to charge 15 points for a credit card?
Don’t trust this kind of agency service and be careful not to be deceived. There are many similar cases.
15 points is a 15% handling fee. If you mention 50,000, you need to pay a handling fee of 7,500. This is the fee charged by some intermediaries in society who help people apply for credit cards. It is 15 points, which is 15%. For example, if you successfully apply for a credit card and the limit is 50,000 yuan, then you will have to pay a fee of 7,500 yuan to help you apply for it. Card intermediary.
Not to mention the high handling fees, your information may be resold and leaked, and if the bank knows about it, it will be difficult to get a loan through formal channels in the future.
Extended information
“No proof of income is required. As long as a copy of your ID card is provided, you can apply for a large credit card of more than 50,000 yuan.” Such advertisements for agency credit cards can be seen everywhere on the Internet. .
The China Payment and Clearing Association recently issued new regulations, requiring that the application for a credit card must be handled by the applicant himself with his or her original identity document, and other individuals are not allowed to apply on his or her behalf. However, a reporter from Beijing Business Daily found that in the past two days, small advertisements for online credit card agencies are still emerging one after another.
Just enter "agency credit card" on the Internet, and you can see a lot of agency information released in the past two days. One of the agents in the southwest region said, "I can quickly apply for a credit card, and the card will cost RMB 10,000-30,000 in five days. You can also increase the limit after placing the card. You only need to have no credit card and a local account."
The reporter contacted someone who is engaged in credit card processing, and the other person said that he can "apply for a card with a card" or "apply for a mortgage or car loan", with a single card limit of 10,000-30,000 yuan. If you have used a credit card for more than half a year and paid off a mortgage or car loan for more than half a year, you can apply if you meet one of the conditions. Some banks can get the card on the same day, and others can issue the card in about 7-10 days, and the fees are low.
It seems that it is very good to apply for a credit card online. Not only is the card issued quickly, but the overdraft limit is also high. But in fact, there have been many news reports before about some applicants who sought agents online to obtain large-value credit cards but were defrauded of their money.
Some agencies usually take advantage of consumers' rush to process or do not meet the processing conditions to defraud high fees. In the past, there have been cases where agents used the identity information of the card holder to fraudulently obtain credit cards with malicious overdrafts.
In fact, online credit card agency is not reliable in terms of regulations. According to the "Guidelines for Risk Control and Security Management of Bank Card Business" recently issued by the China Payments and Clearing Association: Applying for a credit card must be handled by the applicant in person with his or her original identity document, and other individuals are not allowed to apply on his or her behalf (the principal cardholder may apply for an affiliated card on his or her behalf). Except for cards).
Hua Ming, an analyst in the credit card group of the Yinsu Financial Research Center, told a Beijing Business Daily reporter that credit cards can be applied online, on the bank’s official website and other formal channels, but credit card applications are not allowed on behalf of the person and must be in person. Regardless of the channel through which the applicant applies for a credit card, except for a small number of credit cards that are clearly marked with a new card production fee, credit card applications do not require payment of any handling fees.
As for the online card issuance model currently promoted by many banks, Hua Ming said that although this form has become the main card issuance method promoted by various banks, applicants still cannot complete the entire credit card approval process online.
Among them, China Merchants Bank, Bank of Communications, China CITIC Bank, etc. use the method where the cardholder fills in personal information through the Internet. The bank conducts a preliminary review and verification of the information. After passing the preliminary review, the applicant will be asked to go to a nearby bank. Complete the interview steps at the bank branch and sign the application form.
The other is for the applicant to fill in personal information online. The bank will send a card issuance specialist to customers who meet the basic card issuance requirements to conduct further information verification and interview. The bank will issue the card after approving the subsequent information. No matter which form requires an interview, it is obviously unreliable to apply for a credit card online by simply providing your ID card.
Reference materials: People's Daily Online_Credit card online agency has been banned for many times, and it is unreliable to apply for a card only with an ID card
What procedures are needed to apply for a Beijing bank card and where to apply for a card?
To apply for a Bank of Beijing credit card, you can apply through mobile banking or fill in relevant information through online banking. Of course, you can also go directly to the bank counter to fill in the application form and submit the corresponding qualification certificate
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Where can I apply for a credit card in Beijing?
Hello! It is recommended that you go directly to the branch to apply. You can check the addresses, savings telephone numbers and business hours of various business outlets through our bank's website. Method: Please log in to the credit card website, click "Service Outlets" in the upper right corner, and select the city you want to query in the drop-down box.
Application conditions for China Merchants Bank credit card: Applicants should be between 18 and 60 years old (25 to 60 years old for overseas applicants), have certain financial capabilities and have a good credit record. The result of credit card application shall be subject to actual review by our bank. Information: Credit card application form from our bank, copy of front and back of ID card (foreigners: passport and residence permit or employment permit; Taiwanese: Taiwan compatriot card and employment permit; Hong Kong and Macao residents: return permit and employment permit/residence permit) and work certification documents issued by the unit.
In addition, providing the following information will help increase your credit limit, such as: copies of China Merchants Bank’s savings account statements for the past three months; original asset balance certificates for financial accounts opened by China Merchants Bank; copies of real estate certificates (including my name) + a copy of any utility invoice for the property in the past 3 months; a copy of my car driving license.
Where can I apply for a credit card?
1. Apply for a credit card: You can apply for a credit card at a bank branch or online.
2. If you are over 18 years old: you are not allowed to apply for a credit card. The premise is that you are at work, or can apply for a card in the name of an employee of a certain company or agency.
3. Banks you can consider: the four major state-owned banks (China Industrial and Peasant Construction).
4. Credit card limit: It depends on the effective income and asset security value provided by the individual during the application process. The credit limit of a credit card is positively correlated with the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit obtained.
5. Repayment: If you pay by credit card, after issuing the bill, you can repay it on the last repayment date indicated on the bill. If you withdraw cash directly from an ATM, the sooner the better, because interest will be calculated.
6. Materials required: proof of identity, work certificate, financial certificate, house and car certificate, credit card from another bank (card used for 1 year or more than 6 months).
1. Application at bank outlets
1. Applying for a credit card at a bank outlet is the most original and basic application method. Applicants only need to bring relevant supporting materials to the bank outlet and submit Just apply.
2. Suitable objects: Newbies, those new to the workplace, friends who want to apply for a large-limit card, etc.
3. Suitable banks: the four major state-owned banks (China Industrial and Peasant Construction).
4. Advantages: The safest: In comparison, the method of mailing in through outlets is more secure. This channel has a higher confidentiality factor for customer information, and there is basically no risk of customer information leakage. .
5. Disadvantages: The slowest approval speed: Applicants submit materials to bank outlets, and then the branches and sub-branches send them to the head office. The approval can only be completed after the qualification review of the head office. The shipping process is cumbersome and takes a long time.
6. In addition, branch branches usually accumulate a batch of application materials and send them to the head office at a certain point in time. From submitting the materials to finally getting the card, there are no applicants who have been waiting for a month. few.
2. Online application
1. Applicants can log in to the official website of the bank, or apply online at official authorized websites such as Rong360. Fill in the relevant information on the website and click submit.
2. Suitable people: People who have been working for many years and are busy with official duties.
3. Suitable banks: Banks with relatively relaxed review procedures (Bank of Communications, Guangfa, Ping An, CITIC, Shanghai Pudong Development, etc.).
4. Advantages: Save time and effort: You don’t have to queue up at a bank branch in person, saving valuable time. The choice is strong, and there are a wide variety of cards on the website. You can compare them at will, check the related fees and precautions of the cards, and easily choose the one that suits you best. The approval speed is fast. After the application information is submitted on the website, the information will be immediately sent to the bank's credit card center for review.
5. Disadvantages: Difficulty in approval: The biggest drawback of online submission is that you cannot submit paper materials. The lack of relevant materials may cause some bias in the bank's qualification review. Agency scams: Some irregular websites pretend to be agencies for high-limit credit cards, but in fact they charge a series of non-existent fees or defraud personal information to commit crimes.
The above are the two most common credit card application methods. Applicants can choose the most suitable application method based on their own characteristics. In addition to the above three methods, there is another method where a card application officer comes to apply for a card. This method is mostly because after filling in the information online, the bank thinks that the information is not complete enough and will assign a card application officer to come to collect the materials and take photos.
1. Applicants also do not need to go to a bank branch in person and wait for the card handler to come to apply for the card. All the applicant has to do is to carefully verify the card handler’s true identity and ask him to show his job. ID, find the employee number above and call the customer service of the bank to ask if there is such a person.
2. Finally, applicants need to be reminded that applying for a credit card online is convenient and fast, but they must also carefully identify the authenticity and security of the website. In addition to applying on the bank’s official website, applicants can also log in to websites such as Rong 360 Apply through a formal website that maintains a cooperative relationship with the bank and is officially authorized by the bank. No fees will be charged during the entire process.
3. After clicking Apply Now, you will automatically jump to the bank's official website to fill in the information. All information is done on the bank's official website, which is at the same level as the bank's official website in terms of security.
4. In addition, applicants should pay special attention not to trust any informal websites or credit card intermediaries that apply for credit cards. Such websites or intermediaries are almost all scammers and will try their best to trick you during the process of applying for a credit card. Various fees are charged. Once you believe the scammer's rhetoric, the applicant may suffer from information leakage, property damage, etc.
This is the end of the introduction about the authenticity of Beijing's regular credit card agency and Beijing Bank's on-site credit card application. I wonder if you have found the information you need?