Ganzhou City can apply for Bank of China, China Construction Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, Postal Savings Bank, Bank of Communications, CITIC Bank, and Ping An Bank. The steps to apply for a credit card are as follows:

1. Application

In most cases, citizens with full capacity for civil conduct and certain direct financial resources can apply for a credit card from the card-issuing bank. Sometimes, legal persons can also be applicants.

2. 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. For the applicant, the creditworthiness of the applicant must be assessed. For individuals, the relevant circumstances of the guarantor must also be reviewed.

3. 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 shopping, consumption and cash withdrawal. Settlement.

4. Open a card

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.

5. Authorization

The merchant and bank confirm that the credit card is valid, contact the bank according to the contract signed with the card issuer, and request authorization. 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.

6. Use

Credit cards are usually only used by the cardholder himself. Lending them to others is generally a violation of the use contract.

Extended information:

Application conditions

1. There are certain age requirements for applying for a credit card: you must have full civil capacity, that is, 18 years old and above.

2. Have legal and stable income and good credit.

3. Provide corresponding identity documents: copy of ID card or military officer ID.

4. Employment certification documents. Some banks also require proof of income and financial resources. Proof of financial resources can include a copy of the real estate certificate, a copy of the motor vehicle driving license, a bankbook, etc. Anyway, the proof of financial resources depends on the individual's repayment ability, which makes it easier to apply.

5. Documents proving the place of residence, which can be a copy of the household registration book, or certification materials issued by the street, or other certification materials. This is easier to do.

Baidu Encyclopedia-Credit Card