What banks can apply for credit cards
Commercial banks or credit card companies, Bank of China, and the four major banks can all do it
In most cases, it is a completely civil act. Citizens with sufficient financial resources (citizens over 18 years old in mainland China) and with certain direct financial resources can apply for a credit card from the card issuing bank. Sometimes, legal persons can also be applicants.
Individuals applying for credit cards 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.
The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.
Extended information:
The standards of each card issuing bank are also different. Therefore, the same material may be issued with different credit limits and different types of credit cards in different banks. It may even happen that some banks approve the application, while others reject it.
Based on the application information, the bank will examine the applicant's various information and financial situation to determine whether to issue a credit card to the applicant. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand.
After receiving the authorization notice, the card-issuing bank will issue an authorization instruction based on the deposit balance of the cardholder's deposit account and the bank's agreement to allow overdraft, and reply whether it agrees to conduct the transaction.
Baidu Encyclopedia-Credit Card
Which bank can apply for credit card (debit card)?
Most commercial banks can handle credit cards (debit cards), such as Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China, Bank of Communications, Shanghai Pudong Development Bank, China CITIC Bank, etc. The application conditions for credit cards (credit cards) of each bank will be slightly different. It is best not to apply for multiple credit cards (credit cards) at the same time. This may make the bank think that the applicant is short of money, which will lead to the credit card ( Credit card) application was rejected.
Which banks can apply for credit cards? Please tell me their names?
There are many banks that can apply for credit cards, such as: 1. my country’s four major banks: Bank of China, China Construction Bank, Industrial and Commercial Bank of China, and Agricultural Bank of China. 2. Joint-stock commercial banks: China Merchants Bank, Hua Xia Bank, China CITIC Bank, Ping An Bank, China Everbright Bank, Industrial Bank, China Guangfa Bank, Shanghai Pudong Development Bank, etc. 3. There are also some local banks that can handle credit cards, such as: Bank of Beijing, Bank of Shanghai, Bank of Jiangsu, Bank of Tianjin, Bank of Hebei, Bank of Shengjing, Bank of Nanjing, Bank of Hankou, Bank of Ningbo, Bank of Guangzhou, etc.
What are the requirements for credit card application? Generally speaking, a stable job is a necessary condition for successfully applying for a credit card. Of course, this is not absolute. For example, many universities now have card processing services specifically for college students. This is to apply for a credit card unconditionally. College students only need to bring their personal documents and student ID cards to the bank to apply for it. First of all, it requires citizens who are over 18 years old and have civil capacity. It is required to have a stable income and provide proof of income, firstly to prove the ability to repay, and secondly to use it as a reference for setting the credit card limit. If you have successfully applied for a credit card, you can use the card to apply for a card, and the process will be much easier. The personal credit report must be good and have no bad records. Whether you can successfully apply for a credit card is also related to your occupation. For example, security, self-employed, farmers, etc. are more difficult to successfully apply for. Foreign and overseas personnel and active-duty military officers who receive the card in their own name should provide a temporary household registration issued by the local public security department or a certificate issued by the relevant department. They must also provide a guarantee unit that meets the guarantee conditions or a guarantor who has a local household registration and works locally.
Credit card applications can be processed at the bank counter or online.
If you apply at the counter, you need to bring your ID card to the bank, explain your purpose to the staff, and fill in the credit card application form according to the staff's requirements. Generally, there will be a reply within half a month. If the application is successful, you will receive the corresponding letter containing the credit card within one month. If you apply online, you only need to open the bank's APP, find "Apply for Credit Card" in the interface, click to enter, follow the prompts and enter the information to submit the application. After the application is successful, you will receive the corresponding letter containing the credit card within one month. After successfully applying for a credit card, you still need to go to a bank branch to open the card before it can be used.
I hope my answer is helpful to you!
What are the credit card banks? The following banks can apply for credit cards:
1. National joint-stock banks:
China Everbright Bank, China CITIC Bank, Bank of Communications, Industrial Bank, Industrial and Commercial Bank of China, China Merchants Bank, Agricultural Bank of China, China Construction Bank, Bank of China, Minsheng Bank, etc.
2. Regional joint-stock banks:
Bank of Beijing, Beijing Rural Commercial Bank, Bank of Tianjin, Bank of Shanghai, Bank of Nanjing, Bank of Ningbo, Hangzhou Commercial Bank, Shenzhen Rural Commercial Bank , Wenzhou Bank, Xiamen International Bank, etc.
3. Foreign joint-stock banks:
Citibank, HSBC, Standard Chartered Bank, Bank of East Asia, Hang Seng Bank, ABN Amro, Orix Bank, BNP Paribas, American Express Bank, etc.
Credit card installment payment means that when the cardholder uses a credit card to make large purchases, the bank pays the merchant a one-time payment for the goods (or services) purchased by the cardholder, and then allows the cardholder to pay in installments The process of repaying money to the bank and paying handling fees.
The bank will deduct the consumption funds and handling fees in installments from the cardholder's credit card account based on the cardholder's application, and the cardholder will repay according to the monthly credit amount.
In the early days of the credit card installment business, banks often promoted it as "interest-free", and indeed many citizens were "fooled". In fact, interest-free is not free, it’s just called something different.
In general, the one-year credit card installment fee is lower than the one-year cash withdrawal interest of 18, and higher than the bank's one-year commercial loan interest of 5.31. It is worth mentioning that commercial bank loan interest rates have been reduced many times in recent years, but the standards for credit card installment fees and cash withdrawal interest have rarely changed. Although the standards for credit card installment payment fees vary from bank to bank, the calculation method is roughly the same.
Assume that the installment amount is 1,200 yuan, divided into 12 installments, with each installment (month) repayment of 100 yuan, the handling fee is 0.6/month, and the actual monthly deduction is 100 1200 × 0.6 = 107.2 yuan. If other factors are not considered, the convertible nominal annual interest rate is 7.2. However, the cardholder does not always owe the bank 1,200 yuan. In the last month, he actually only owed the bank 100 yuan, but the bank still charged a handling fee of 1,200 yuan.
According to calculations, the true annual interest rate paid by cardholders is approximately 15.48. According to the correct calculation formula, it should be 12000.6 (1 0.6)^12/((1 0.6)^12-1)=103.94 yuan, which means an extra handling fee of 3.2 per period.
The main benefits of credit card installment payment:
Enjoy now, pay later.
No guarantor required and the procedure is simple.
Timed and fixed amount, easy payment.
Pay as you please with any monthly repayment amount
More space to choose payment methods.
Which bank credit card is easier to apply for?
Banks that are easy to apply for credit cards include Everbright Bank, Ping An Bank, Shanghai Pudong Development Bank, CITIC Bank, Bank of Communications, etc.
1. China Everbright Bank
China Everbright Bank Credit Card Center was founded in July 2003 and officially established at the end of 2003. It is directly under the head office of China Everbright Bank and is a state-controlled, international financial organization. Within the framework of participating in a national joint-stock commercial bank, it serves as a credit card center for consumers. There are many ways to join a class, which is very convenient.
2. Ping An Bank
Ping An Bank Credit Card is the first credit card launched after the merger of Shenzhen Commercial Bank and Ping An Bank and was renamed Shenzhen Ping An Bank. In addition to having credit card consumption, In addition to basic functions such as cash advance, it also has many special functions, providing cardholders with comprehensive security protection covering "safety in consumption, safety at home, and safety in travel". Easy to handle.
3. Shanghai Pudong Development Bank
The Pudong Development Bank Credit Card is a standard dual-currency Visa credit card issued by Shanghai Pudong Development Bank. It enjoys a variety of discounts and can even apply for a photo card for free. Any natural person who is over 18 years old, has full capacity for civil conduct, has legal and stable sources of income and solvency, and has good credit standing. You can apply with your valid ID and other documents required by the credit card center.
4. China CITIC Bank
On December 8, 2003, China CITIC Bank Credit Card Center officially issued CITIC Credit Card. As of the end of October 2006, the cumulative number of cards issued had reached nearly 2 million. It ranks at the forefront of the domestic banking industry, among which CITIC Platinum Credit Card ranks first in the country in terms of card issuance volume, and has initially established its position and brand image in the Chinese credit card market. Processing is quick and easy.
5. Bank of Communications
Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Bank of Communications' credit card products are named "Pacific", such as: Pacific Dual Currency Credit Card, Pacific Y-power Credit Card, Bank of Communications Pacific Walmart Credit Card, Bank of Communications Pacific Suning Credit Card, Bank of Communications Hong Kong New World Department Store Credit Card and Pacific Business Card, etc. . Processing is quick and easy.
Which bank is better for applying for a credit card
Each bank’s credit card has its own characteristics:
1. Ping An Bank: First compare the thresholds for applying for a credit card The bank with the lowest score is Ping An Bank. The reason why Ping An Bank can approve many credit cards that other banks cannot is because Ping An's big data is relatively powerful. In addition, Ping An Bank's credit cards often have larger credit limits than other banks' credit cards, so it is better for other banks. If your bank application for a credit card has not been approved or if you want to get more credit lines, you can try to apply for a Ping An Bank credit card;
2. Bank of Communications: One feature of Bank of Communications’ credit card is that it offers great benefits The credit limit granted is relatively high, but the risk control of Bank of Communications is very strict and it is difficult to apply for it;
3. China Merchants Bank: A major feature of China Merchants Bank’s credit cards is that there are many activities and the activities last for a long time. For example, half-price on Wednesdays, the annual Ten-Yuan Storm, irregular cash withdrawals and points bonuses, and other activities. You don’t need to brush points every day. You can just participate in activities and brush points when there are events.
In addition, the credit card application rate is relatively high now. Credit cards that are more suitable for novices include China Merchants Bank’s Young Card, CITIC’s i Platinum, GF’s DIY Card, Bank of Communications’ Wal-Mart Card, etc.
For more information about which bank is better for credit cards, go to: View more content
That’s it for the introduction of banks that can apply for credit cards.