Credit card application process for a limited company business license

As for how to apply for a business license, as a self-employed person, in addition to the business license, you also need to provide a copy, ID card and copy . For some banks, you may also need to prepare tax registration certificate, three-month tax payment certificate and other documents. If you do not have a certificate, you can show a property certificate. The four major banks, ICBC, Bank of China, Agricultural Bank of China and China Construction Bank, have high requirements. China CITIC Bank, Everbright Bank, Shenzhen Development, China Merchants Bank and China Guangfa Bank have low thresholds for applying for cards.

There are two common credit card application methods:

1. Enter the official credit card website, select "Credit Card Application" - "New Customer Application Channel", and make an appointment through "Easy Appointment, Door-to-Door" Go to the online banking application appointment platform, fill in the simple appointment information online, and wait for the bank's review. If the review is passed, a specialist will contact you by phone to confirm that the application will be done at your door. If you want to apply in this way, please first confirm whether the bank in your area can provide free appointment for door-to-door processing (the results will be displayed after selecting the province/city/district);

2. Processing at business outlets, Bring your original identity certificate, work certificate and financial certificate documents and go to any bank branch in person to apply.

This answer is provided by Youqianhua, a credit platform under Duxiaoman Financial. Duxiaoman Financial will effectively implement the country’s call to support small and micro enterprises to tide over difficulties and fully support small and micro enterprises. In production and operation, most small and micro business owners choose to spend their money to meet the business turnover needs of small and micro businesses. It is reported that 70% of Duxiaoman Financial’s credit users are small and micro business owners. Up to now, Duxiaoman Financial has joined hands with dozens of financial partners to issue hundreds of billions of loans to small and micro business owners. Turn to Duxiaoman Financial, and big brands will feel more at ease.

What are the conditions for corporate credit card application?

Conditions for applying for corporate credit cards: 18 years of age or older; have full capacity for civil conduct; have certain payment ability; be registered domestically in accordance with the law and open a basic deposit account in a domestic financial institution; have legal person qualifications; Industrial and commercial enterprises, government agencies, and administrative institutions that can independently assume civil liability; and have certain payment capabilities.

The corporate credit card limit has a great relationship with the business license registration time, registered capital, private and public turnover, fixed assets and valuation. Corporate credit card limits are generally between RMB 50,000 and RMB 1 million.

1. Credit card

1. Credit card, also called credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

2. Credit cards stipulated in the relevant laws of our country ("Interpretations of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, An electronic payment card with full or partial functions such as transfer settlement, cash deposit and withdrawal, etc. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

3. Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card A debit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the card can be overdrafted within the specified credit limit. The so-called credit card generally refers to a credit card only.

2. Credit card repayment methods

1. The methods within the card issuing bank include: card issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

2. Transfer/remittance repayment is mainly divided into two methods: inter-bank in the same city and inter-bank in different places.

Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

3. The more common domestic online platforms for online repayment include: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

How to apply for a credit card

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.

Can I apply for a credit card in the name of my company? What procedures are required?

Yes. 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. However, applying for personal credit card products cannot be done in the name of the company. However, when applying for a credit card, you need to fill in the name of your current employer and submit a certificate of employment or income issued by your employer with an official seal.

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.

Extended information:

According to the "Notice on the Issuance of the "Credit Card Business Management Measures"":

Article 33: Any person in the People's Republic of China *** Organizations that open basic deposit accounts with domestic financial institutions can apply for organization cards.

Several unit cards can be applied for, and the cardholder's qualifications shall be designated and canceled in writing by the legal representative of the applying unit or his authorized agent.

Citizens with full capacity for civil conduct can apply for a personal card. The main cardholder of a personal card can apply for supplementary cards for his spouse and relatives over the age of 18. There may be no more than two supplementary cards. The main cardholder has the right to request the cancellation of his supplementary cards.

Article 34 When applying for a credit card, an organization or individual should fill in the application form in accordance with the regulations and submit it together with relevant information to the card-issuing bank. For those who meet the conditions, the card-issuing bank will open a credit card account for the applicant and issue a credit card.

Article 35 All funds in the unit card account shall be transferred and deposited from the basic deposit account. Cash shall not be deposited, and funds from other deposit accounts and sales revenue shall not be deposited into the unit card account.

The funds in a personal card account are limited to cash deposits held by the individual or transfers from salary payments and other legitimate personal income. It is strictly prohibited to transfer funds from the company into personal card accounts.

Article 36 Credit cards can only be used by the legal cardholder himself, and the cardholder is not allowed to rent or lend the account.

Baidu Encyclopedia - Credit Card

This ends the introduction on how to apply for a company credit card and how to apply for a company credit card. I wonder if you found the information you need?