How to apply for an Industrial Bank credit card?
1. First log in to the official website of Industrial Bank Credit Card and click "Apply for Credit Card".
2. Click "Apply Online".
3. In the pop-up interface, click "Click here to apply now."
4. Follow the instructions and click Next.
5. Check the appointment process and important reminders.
6. Select the card you like and click Next.
7. Fill in your details and finally submit.
8. After filling in, the staff of Industrial Bank will review your information in 10-15 working days. After passing the review, the card will be mailed to the address you filled in.
In fact, compared to most credit cards, Industrial Bank’s credit card application threshold is relatively low. Many cardholders report that it is quite easy to get approved. As long as the qualifications are not too bad and you are 18-60 years old, With a stable job and income, even if you have no credit, you can easily apply for a card.
However, whether a credit card is good or not depends not only on the applicant’s credit conditions, but also on the credit card level applied for. In other words, as long as the applicant’s qualifications and the credit card level to be applied for can be Matching is relatively easy, so before applying for a card, you must choose the appropriate card level based on your own situation.
It is understood that Industrial Bank’s credit cards are divided into regular card, gold card, platinum card, platinum card and above. Different levels have different credit requirements for cardholders.
If you are applying for a regular card or gold card, if you meet the age requirements, have a stable job income, and do not have bad credit, it is relatively easy to get the card.
If you are applying for a platinum card, in addition to meeting the basic conditions for applying for the card, there are also requirements for the financial strength of the applicant. It is recommended that you apply for the card at the counter and provide car and real estate information as much as possible. and other financial documentation. However, if you have other credit cards with a limit of 50,000 that have been used for more than 1 year, you can also apply for a card with a card.
Is it easy to apply for an Industrial Bank credit card?
The application conditions for an Industrial Bank credit card are:
1. Be over 18 years old, and applicants for supplementary cards must be under 16 years old. Over 1 year old;
2. Have a legal, stable job and income, and have good personal credit.
As long as you meet the application conditions for an Industrial Bank credit card, you have a high chance of passing the review.
Application
In most cases, citizens with full capacity for civil conduct (citizens over 18 years old in mainland China) and with certain direct financial resources can apply to the card-issuing bank. Apply for a credit card. Sometimes, legal persons can also be applicants.
Applicants for credit cards can be divided into units and individuals. 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. 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.
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. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.
Review
After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. The creditworthiness of the applying unit must be evaluated, and the relevant circumstances of the guarantor must also be reviewed for individuals.
Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation.
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. The standards of each card-issuing bank are also different. Therefore, the same materials may be issued with different credit limits and different types of credit cards in different banks. Some banks may even approve the application, while others may reject it. .
Card Issuance
After the applicant successfully applies for a credit card, the card issuer will open a separate credit card account for the cardholder at the card-issuing bank for settlement after shopping, consumption and cash withdrawal.
Card opening
Since the card is sent by mail after the credit card application is approved, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from fraud losses, the credit card has set up a card opening procedure before it is officially launched. Card opening is mainly done by phone or online. The relevant personal information provided during the application is checked. Once the information is met, the card opening process is completed. At this point, the applicant becomes the card holder and can officially start using it after signing on the back of the card. After opening a credit card, you generally need to set up a password for the card.
After accepting a credit card, a credit card merchant or bank must review the validity of the credit card and the identity of the cardholder.
Identification
There is at least the following information on the credit card:
Front: name and logo of the issuing bank, credit card number (organization logo) and holographic anti-counterfeiting mark, , English or Pinyin name, activation date (generally calculated to month), validity date (generally calculated to month), the latest issued card is equipped with a chip on the front, and the chip account and the card magnetic stripe account are two relatively independent accounts.
Back: card magnetic stripe, cardholder signature field (signature required after activation), service hotline number, last four digits or all of the number (to prevent fraudulent use), credit card security code (on the back of the credit card) On the signature line, the three digits immediately following the last four digits are used for credit card activation, password management, television, telephone and online transactions, etc.).
Authorization
The merchant and bank confirm that the credit card is valid, and contact the bank to request authorization according to the contract signed with the card issuer. Authorization is to further confirm the cardholder's identity and the amount that can be used. Authorization is generally made when the usage amount specified in the contract is exceeded.
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.
Use
Credit cards are usually only used by the cardholder himself. Lending them to others is generally a violation of the use contract.
Cancellation
Before canceling a credit card, the account balance must be cleared. The entire process of canceling the card must be completed within 45 days after the application is submitted.
Industrial Bank Credit Card Online Application Steps
Industrial Bank Credit Card Online Application Steps:
1. Log in to the Industrial Bank Credit Card official website (find "Credit Card" in the top navigation bar , click to enter.
2. Select "Apply for Credit Card" in the left sidebar of the new page and click "Online Application"
3. Follow the prompts to complete the relevant steps. Just fill in your name, ID number, etc. to submit.
After submitting the reservation, you usually need to wait 2-3 working days for the staff to contact you.
What are the requirements for applying for an Industrial Bank credit card?
According to UnionPay regulations, applicants for Industrial Bank ordinary cards need to meet the following three basic conditions:
1. Age requirement: between 18 and 65 years old, with full capacity for civil conduct. ;
2. Credit conditions: Good credit, no bad credit record;
3. Income conditions: Have a stable source of income and be able to guarantee on-time monthly repayments;
If you meet the above conditions, you can prepare your proof of income, financial resources, and identity and go to a bank branch to apply for a credit card. You can also directly log in to the official website of Industrial Bank to apply for the card. You can also contact a salesperson to come and apply for it. Wish you a speedy start. Card application successful!
Extended information:
Industrial Bank Co., Ltd. ("Industrial Bank" for short) was established in August 1988 with the approval of the State Council and the People's Bank of China One of the first batch of joint-stock commercial banks, it was officially listed on the Shanghai Stock Exchange in 2007 (stock code: 601166), with its head office in Fuzhou.
In the thirty years since its opening, Industrial Bank has always adhered to the business philosophy of "sincere service and accompanying growth" and is committed to providing customers with comprehensive, high-quality and efficient financial services.
As of the end of 2014, the total assets of Industrial Bank exceeded 4 trillion yuan, reaching 4.41 trillion yuan, an increase of 19.84% from the beginning of the year; the net assets per share attributable to ordinary shareholders were 1.286 billion yuan, an increase of 22.61% from the beginning of the year. %. The annual operating income was 124.834 billion yuan, a year-on-year increase of 14.23%; the net profit attributable to shareholders of the parent company was 47.108 billion yuan, a year-on-year increase of 14.31%; the weighted average return on equity remained at a high level of 21.19%;
< p> It has established 108 branches and 1,435 branches in major cities across the country; it has subsidiaries such as Industrial International Trust, Industrial Financial Leasing, Industrial Funds, Industrial Consumer Finance, Industrial Wealth and Industrial Guosen Asset Management, forming a bank-based structure. , a modern financial services group covering trust, leasing, funds, securities, consumer finance, futures, asset management, etc.As China's first "Equator Bank", Industrial Bank always adheres to the "scientific and sustainable" development concept, operates in a legal, stable and civilized manner, and takes into account the protection of shareholders, customers, banks, employees and the social environment. interests of all parties and actively practices corporate social responsibility, which has been widely recognized and praised by all walks of life at home and abroad.
In August 2021, the 2021 Fortune Global 500 was released: ranking 196th.
Basic process for applying for Industrial Credit Card:
1. Open the application webpage and select the application area. The system will list the types of credit cards that can be applied for in that area. Click Apply Now to enter the information filling page.
2. The application information must be completed and valid, and the bank will automatically identify it.
3. After filling out everything, just submit the form online. The system will automatically conduct a preliminary review. After the preliminary review is completed, it will be submitted to the local branch for further review.
4. The conditions for online application are basically the same as those for actual written application. You must be over 18 years old and have a stable job and repayment ability.