Can I apply for a credit card if I don’t have a bank card?

I can apply for a credit card if I don’t have a bank card. The conditions for applying for a credit card do not say that you must have a bank card, and the credit card does not need to be bound to a bank card. , after the application is successful, you will get the corresponding limit, and you do not need to bind a bank card to swipe the card

A credit card, also called a 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.

According to different card issuers, they can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card.

This type of card can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., used for purchasing tickets, meals, accommodation, entertainment, etc.

According to the different objects of issuance, it can be divided into corporate cards and personal cards

Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal entities.

Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.

According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

Gold Card.

Gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.

What should I do if I have a credit card account but no card? I don’t know what the situation is, but I checked the credit report and found out?

Some credit cards only have one card, and there are multiple accounts in it. The difference is the currency, so sometimes you may forget it, or your original card can no longer be found, so go to the bank to get a new one. or just log out if you don’t want to use it.

What to do if your credit card is lost?

1. Search. If your credit card is lost, first look for the place where you went before it was lost.

2. Report the loss. If you look for it and don’t find it, you should go to the bank or call the customer service computer to report the loss in time.

3. Reissue. If you still want to continue using your credit card, you can apply for a reissue.

4. If you no longer want to use your credit card, you can go to the business hall to cancel it after reporting the loss. Note that you need to pay off all the money owed on the credit card when canceling.

5. Warm reminder, do not keep multiple credit cards together for a long time.

I would like to ask how to swipe out a credit card without a card

Credit cards can be detached from the card for swiping consumption, not only online, but also offline.

1. Online consumption:

In fact, it is online shopping, provided that the store supports credit card payment. Then you can select the product you want to buy in the store, add it to the shopping cart and make payment. Select credit card as the payment method. Enter the credit card validity period, CVV2 code, mobile phone verification code, transaction password, etc. to complete the payment.

2. Offline consumption:

It can also be divided into two methods, one is to use POS machine to consume, and the other is to scan QR code to pay.

1) Use the POS machine to make purchases: The premise is to bind a credit card to a mobile phone or other mobile payment device, then bring up the credit card, put the phone close to the POS machine, and hear a beep to complete the payment. .

2) Scan code to pay: You can bind a credit card on WeChat or Alipay, then scan the store's QR code, select the payment method as credit card payment, and enter the password. You can also open Alipay/WeChat on your mobile phone, show the payment code of the bound credit card to the merchant, and let the merchant scan the code with a code scanner to make payment.