What are the procedures for handling a credit card?

To apply for a credit card, you need to provide the following materials:

1. Identification: generally, it is an ID card (if you use a new ID card, you need a copy of the front and back), and soldiers need to provide a copy of their military ID card;

2. Work certificate: it can be the original work certificate issued by the employer (please specify the specific company name, department, position and income, and affix the company official seal or personnel seal), or a copy of work permit/license;

3. proof of financial resources: it can be payroll records issued by banks, or income tax withholding vouchers, or documents proving the market value of houses, cars, deposits and investments (such as a copy of real estate license/car driving license/bank time deposit certificate) and other materials that can prove the financial level.

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1. How to handle the business license Credit card:

1. It is difficult to handle a credit card only with a business license. If it is really necessary to handle a credit card, it is recommended to go to a commercial bank, such as China Merchants Bank, China CITIC Bank, China Guangfa Bank and China Everbright Bank, and bring your income certificate, financial proof, ID card and a copy of your business license to the bank counter to apply for a credit card. 2. Identity certificate: generally, it is an identity card, and it needs to meet the age of 18~65 years old and have full civil capacity;

3. Business license: generally, it needs more than half a year;

4. proof of financial resources: bank account running water, income tax withholding certificate, or documents proving the market value of house, car, deposit and investment (such as a copy of real estate license/car driving license/bank time deposit certificate) and other materials that can prove your financial level.

II. How long does it take to apply for a business license before you can apply for a credit card:

According to the provisions of the registration procedures for individual industrial and commercial households, if the application materials submitted by the applicant are complete and conform to the legal form, the registration authority shall register them on the spot, and if it is necessary to verify the substantive contents of the application materials, it shall make a decision on whether to approve the registration within 15 days. A partnership enterprise shall make a decision on whether to approve or disapprove the registration within 3 days according to the Measures of the People's Republic of China for the Administration of Partnership Enterprise Registration.

companies, wholly-owned enterprises, etc., according to the provisions of the enterprise registration procedures, if the applicant or its entrusted agent submits an application to the enterprise registration place for acceptance, it shall make a decision to approve the registration on the spot. If it is necessary to verify the application materials, it shall make a decision on whether to approve the registration within fifteen days from the date of acceptance. The normal time for handling self-employed households is 35 days, and it takes half a month to do it, mainly because the number of rejections is too high. The main reasons for rejections are as follows:

1. The name of the self-employed shop was registered first, and the name was similar.

2. The business scope is too general, not specifically marked, and not detailed enough (for example, science and technology: it should be written in mobile phones and digital cameras, and it should be written in detail).

3. If the address does not match, the Industrial and Commercial Bureau will also reject it (this is to divide the address facade according to its own industry).

what do I need to get a credit card?

credit card processing conditions of ten banks 1. Credit card application conditions of CITIC Bank: copy of ID card; Pay certificate or business card and photo badge. 2. Agricultural Bank credit card application conditions: copy of ID card; Proof of salary or a copy of business card and social security card (ABC only accepts business cards and badges of Xiamen Airlines, for example), and other small and medium-sized companies must have proof of salary. 3. ICBC credit card processing conditions: copy of ID card; Pay certificate or business card and photo badge. 4. Conditions for credit card processing of CCB: copy of ID card; Pay certificate or business card and photo badge. Social security and medical insurance must be paid for more than 6 months. 5. Credit card application conditions of China Merchants Bank: copy of ID card; The salary certificate is either a business card or a photo badge. The company has its own website (which the company can search in Baidu). The application for the service industry must have a copy of the real estate license and open a savings card account in China Merchants Bank. 6. Bank of Communications credit card application conditions: copy of ID card; The salary certificate is either a business card or a photo badge. (There are also youth cards, graduates aged 18-29, and graduates from 23 -26. It is only necessary to provide a copy of the diploma of junior college or above. Of course, it is better to have a salary certificate.). 7. Minsheng Bank credit card application conditions: copy of ID card; The salary certificate is either a business card or a photo badge. The social security and medical insurance with the village on the ID card must be paid for more than 6 months, or a copy of the self-owned real estate license; (except those who have held credit cards for more than 6 months), local household registration only needs to provide personal salary certificate. 8. Credit card application conditions of China Everbright Bank: copy of ID card; Salary certificate or business card and photo badge. For non-local accounts, please attach the statement of credit card spending. 9. China Bank Credit Card Application Conditions: Copy of ID card; Proof of salary, except for the service industry, and the badge of the unit with good credit can also be used. 1. Application conditions of Industrial Bank's credit card: copy of ID card; The salary certificate, social security and medical insurance must be paid for more than 6 months, and the general application of the service industry is not approved. Of course, the more materials you can provide, the higher the amount you can handle, such as a copy of real estate license, a copy of vehicle, a copy of social security card and medical insurance card, a copy of academic certificate, a copy of professional title certificate, a copy of post certificate, a copy of bills for water, electricity, gas and fixed-line telephones for nearly three months, and a personal loan contract. Income Certificate This is to certify that _ _ _ _ ID number () is an employee of our company, has worked in our company for _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ This certificate is only used for employees to apply for credit cards, and it is not used for other purposes. This is to certify that. Note: full name of the company: telephone switchboard of the company: address: company signature: year month day

What information is needed to apply for a credit card

1. Valid ID card, work certificate or income certificate, purchase of real estate or vehicle in one's own name (optional), social security (optional) and good personal credit are the materials to be submitted when applying for a credit card at the bank counter. Now is the Internet age. We can go to the front desk of the bank and talk to the front desk, or fill in the home phone number of a friend you know. You can handle the landline by yourself. In fact, some banks will pay a return visit to the landline. Now most banks don't ask by phone.

2. To apply for a credit card, you need to prepare the following materials:

1. Work certificate and income certificate. This certification application form needs to be taken out from the bank, and then some basic information should be filled in by yourself, and then it should be submitted to the work unit with the official seal, and then to the bank.

2, social security payment certificate. Social security payment certificate is a good proof of job stability, and the success rate of social security card application will be improved. Certificate of deposit. If there is a bank deposit, the credit card applicant can issue a deposit certificate in the bank and then apply for a credit card from the deposit bank, which can improve the success rate of applying for a credit card.

3, vehicle permit. If you apply for the owner's credit card, you also need to provide a motor vehicle driver's license.

4. Property certificate. If you want to apply for a large credit card, you can use the real estate license as the real estate license.

1, if you already have a credit card. If you hold a credit card from another bank, you can use the credit card from another bank as an additional material to apply for a credit card as long as it has been used normally for more than 3 months.

2. The main feature of credit cards is that cash deposits are not encouraged, and they are consumed first and then repaid. Enjoy the interest-free repayment period, which can be repaid in installments (minimum repayment amount), and the main card, and other international credit card organizations can use it all over the world. It is one of the fastest growing financial businesses today. It is an electronic currency that can replace the traditional cash flow to some extent.

3, it has two functions: payment and credit. Cardholders can use credit cards to buy goods or enjoy services, and they can also get certain loans from card issuing companies. It is a high-tech product integrating financial business and computer technology. Can reduce the use of cash currency. Can provide settlement services, facilitate shopping and consumption, and enhance the sense of security. It can simplify the collection procedure and save social labor. It can promote commodity sales and social demand.

4. college students' credit card function, free non-local remittance: parents can save money in non-local and withdraw money locally without paying any handling fee. Cumulative points for consumption: when using credit card for consumption, the points of the corresponding card issuer can be accumulated. Points can be exchanged for goods. The specific accumulation rules and convertible goods vary from issuer to issuer. Establish a credit record: a good credit record is conducive to handling housing loans or others in the future.

let's stop here for the introduction of what we need to apply for a credit card.