How to handle a credit card overdraft? See here for how to apply.

Credit cards are very popular for their overdraft function, and many people have applied for credit cards for this reason. Nowadays, more and more people want to know about credit cards, and many people come to ask: How to deal with a credit card overdraft? Today I will answer this question for you.

1. Bank application

You can bring your valid ID and some of your work certificates, salary income, property certificates and other information to the bank counter you want to apply for. credit card. Usually you have to queue up to get a number.

But sometimes, we will also find that there are card application points set up by banks in some places such as shopping malls. You can also go to the card application point to submit the materials and fill in the information to apply.

After applying, you mainly need to wait for the bank’s review. After the bank’s review is passed, the credit card will be sent to you. After receiving the card, you can activate the card according to the information in the card letter. After the activation is successful, You can use your credit card to make overdraft purchases.

2. Online processing

Nowadays, many people are afraid of trouble, so if you think the previous method is more troublesome, you can also use the online processing method. First, go to the official website of the bank you want to apply for, then find "Credit Card" on the homepage of the bank's official website and click to enter the "Credit Card" page.

Then click "Apply for Credit Card Now" on the "Credit Card" interface, then select the credit card type you want on the application page, click "Apply Now", and then select "Card Face" and "Card Organization" , click "Confirm" after selecting, then fill in the personal information and click "Confirm Submit".

After that, the bank will review it. After passing the review, the credit card will be sent to you. After you receive the credit card, go to the bank to submit information for activation. After successful activation, you can use the credit card for overdraft. Consumed.

The above is the answer to "How to deal with a credit card overdraft?" Credit card overdraft consumption can be said to greatly facilitate our lives, and also allows us to spend easily when eating, drinking, playing, and shopping. Friends who want to know more about this information can refer to the summary.

Credit card overdraft processing conditions

Overdraft card is also a credit card. The conditions for credit card overdraft processing are:

1. The applicant must be the primary card holder, age Between the ages of 18 and 60, have full capacity for civil conduct.

2. Good personal credit, no bad overdue or default records.

3. Use credit cards normally and do not arbitrage large amounts.

4. The monthly consumption amount must account for more than 30% of the credit limit.

How to apply for a credit card

1. Bring your ID card to the bank counter to apply.

You must bring your ID card, and of course other documents such as social security cards, income certificates, real estate certificates and other asset certification documents as much as possible.

Go to the bank staff and fill out the application form for a credit card. Afterwards, the staff will ask you to produce relevant documents. If you have not copied them in advance, they will help you copy the relevant documents as a basis for reviewing and issuing a credit card to you.

2. Wait for a call from the bank or express delivery.

Generally, the bank will give you a reply within half a month. If the application is unsuccessful, some banks will officially send you a message to tell you the result. There are also bank staff who will call you to tell you whether your application is successful if you have good credit. If the application is successful, the bank will notify you to pick up the credit card or mail it to you by courier.

For more information about the conditions for applying for a credit card overdraft, go to: View more content

How to apply for an overdraft card

1. Application conditions for an overdraft card

Generally speaking, applicants must be over 18 years old, have full capacity for civil conduct, have legal and stable sources of income, and have good credit standing. Apply for an overdraft card with a valid ID from the card issuer.

2. Overdraft card application process

1. Enter the bank’s credit card center to select the card you like;

2. Fill in the application information;

3. The bank will send it to the credit card center;

4. The credit card center will review, print and issue the card;

5. After getting the card, open it and wait for the password letter. Cards can be activated.

You can choose a variety of methods to repay your overdraft card:

In-bank repayment: This repayment method mainly includes: card issuing bank counter, ATM, online banking, automatic transfer, and 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.

Mobile phone repayment: A mobile phone is a personal payment terminal of a mobile financial system, which can be used to directly repay by swiping a card, or to perform transfers and other services. Instant payment!

Convenience store repayment: Convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store. It usually takes 2 to 3 working days to arrive in the account, and there is no handling fee for repayment using this method.

Online repayment: The more common online repayment methods in China include: Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay, Yipay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

How to apply for an overdraft card?

The process of applying for a overdraft card:

1. You need to find a salesperson or go to the bank to fill out an application form;

2. Then the bank will regularly deliver the form to the review center;

3. The review center will review your filling in, conduct a credit assessment on you, and determine your credit limit;

4. Issue the card to you In your hand;

5. You can use it after signing;

6. There is no other way to use it and you just spend it like swiping your card. The fees for cash withdrawals are written in the bank's table, so please read them carefully. Just pay off the bill generated on the previous billing date before the repayment date.

Conditions that should be met when applying for a credit card:

1. Generally speaking, as long as you are aged 18-65, have a fixed job in the place of application, stable income and an income of Any natural person who is above the local average and has full capacity for civil conduct can apply for a credit card.

2. At the same time, the applicant for the main card can also apply for no more than two supplementary cards for his immediate family members who are over 16 years old and have full capacity for civil conduct. Applicants can collect the application form through bank outlets, log in to the bank portal to download and submit the application form, or call the bank's customer service number to request the application form to be sent.

3. When submitting the application form, the applicant needs to provide a copy of the identity document (resident ID card, military officer's ID card, Mainland Travel Permit for Hong Kong and Macao residents, Mainland Travel Permit for Taiwan compatriots, one of the foreign passports), and in addition Proof of employment needs to be attached, and some banks also require proof of fixed residence (such as real estate certificate, house rental contract, house purchase invoice, etc.) and proof of income. Generally speaking, the applicant can check the progress of the application through the customer service phone 10 working days after submitting the application form. Whether the bank is accepting the application normally, the applicant can check whether the card has been issued after 15 working days. If the card is issued successfully, please pay attention Check.

When filling out the application form, you need to pay attention to the following matters:

First, before filling out the form, please be sure to read the credit card application agreement carefully to understand your rights and obligations. Once your card application is approved, the credit card acquisition contract will officially come into effect.

Second, each item in the application form needs to be filled out truthfully and completely by the applicant with a pen or signature pen. The handwriting must be clear and standard and cannot be altered.

Third, when choosing the statement mailing address, be sure to fill in the details and the postal code must be correct, so that the bank can keep in touch with you and ensure that you can receive the statement from the bank in time.

Fourth, if the "unit phone number" column of the application form is a switchboard phone number, be sure to indicate the extension number so that the bank can contact you as soon as possible during phone review or after-sales service.

Fifth, when filling in the application form, the main card applicant must personally sign the application form with a signature pen. If it is signed by someone else, it will be deemed invalid (unless the bank has other regulations) .

That’s it for the introduction of how to apply for a credit card overdraft.