How to apply for a Baby Card bank card
When applying for a Baby Card bank card, the guardian first needs to select the bank to apply for, and bring along the guardian's relevant documents that can prove his identity and Users who need proof of identity for a bank card can go to the relevant bank counter to fill in the application information, and the counter staff will help with the process. The Baby Card bank card is launched for citizens under the age of 18. You can use your baby's photo as the card face. Children's bank cards are bank cards issued by banks for children under the age of 16. Many banks offer bank cards for children. For example, ICBC’s Baby Growth Card, Bank of Communications’ Pacific IC Children’s Card, China Minsheng Bank’s Home Alone Card, China Merchants Bank’s Happy Partner Card, Bank of China’s Great Wall Flower Season Card, etc.
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Advantages and disadvantages of baby card bank cards:
1. The functions of children's bank cards are relatively simple, generally only having the basic service functions of ordinary savings cards. Such as deposits and withdrawals, consumption, transfers, etc. However, it will basically be "parent-child related" with the parents' cards. Everyone needs to note that children’s bank cards are debit cards, not credit cards. Because to apply for a credit card, the applicant must be an adult, over 18 years old, and have full civil capacity. Therefore, it is impossible for children to apply for a credit card.
2. Bring more documents. If you want to apply for a children's bank card, just take your child to the bank business hall and explain your purpose to the staff, and then show your ID card and your and your child's household registration books. As long as you can prove that you have a custody relationship with your child, the bank will help you handle it. Of course, if your child has already applied for an ID card, you must also show your child's ID card.
3. However, usually when a child reaches the age of 14 or 16, he or she can apply for an additional credit card for an immediate relative. When children are over 16 years old, they can also go to a bank branch to apply for a savings card with their ID card alone.
4. For minors to open accounts, the People's Bank of China has unified regulations: Chinese citizens under the age of 16 living in China should have their guardians open personal bank accounts on their behalf, and present the guardian's valid identity document and The resident ID card or household registration book of the account user. Bank regulations stipulate that children under 16 years old need to be accompanied by their parents when opening a bank account. Parents can apply with their own ID cards and the child's ID card or household registration book. If they do not have these two documents, the birth certificate, only child certificate and Female ID is also acceptable.
How about applying for a credit card in Kabaobao?
I think the Kabaobao website is a conscientious website platform. Here you can learn all kinds of credit card information. When I applied for a credit card for the first time, I didn’t know anything about it and couldn’t find a way to think about it. Later, when I checked online, I saw this website. It has all the information I want about various credit cards, and it also has very detailed credit card application procedures. The procedure allowed me to complete it quickly without any detours. Therefore, in my opinion, the role of Card Baby is really great, and no matter which credit card it is, it will have corresponding precautions, as well as an introduction to the preferential features, as well as the advantages and disadvantages of the credit card. It can help us a lot. To apply for a card, come here.
There is a lot of knowledge about credit cards on the credit card website, such as how to apply for a credit card, online payment and repayment, using cards abroad, etc.! Whether you are a novice user or an old user who has used credit cards for many years, You can learn more about credit cards here. Of course, the most important business here is to apply for credit cards online, allowing you to get a credit card without leaving home. There are also credit card usage guides from major mainstream banks to provide you with reference. !
Tips for credit card application
Tips for credit card application
Credit card application, not to mention that different banks have different requirements, even if they are different card types from the same bank, The conditions for applying for a card are also different. For those of us who don’t have a card, why is it so difficult to apply for a credit card? Kabaobao summarizes the common tips for applying for credit cards from various banks. From now on, applying for a credit card is no longer a problem.
1. Know the enemy before applying for the card
As the saying goes, "Know yourself and the enemy, and you can fight a hundred battles without danger." The application conditions for different credit cards of various banks vary greatly, so applicants should be well aware of them. Before applying for your favorite credit card, understanding the requirements of the card will definitely help you get twice the result with half the effort.
2. Choose the right bank
Commercial banks are easier to get credit cards than state-owned banks, and the credit limit is correspondingly higher. It is easier to apply for credit cards at Guangfa, CITIC, China Everbright and China Merchants Bank than state-owned banks, and Bank of Communications is the easiest to apply for among the state-owned banks.
3. Choose the right card application channel
Although online application is simple and fast, only basic information can be filled in, and many auxiliary information cannot be submitted. Card Baby recommends that it is best to apply for a card at the counter or at home for the first time. Firstly, you can get guidance from bank professionals, and secondly, they can provide relevant auxiliary information.
4. Seizing the opportunity is crucial
Each bank has many task indicators every year, including deposit collection, precious metal sales, and credit card issuance volume are no exception. The end of the month and the end of the year are even more stressful. Once you master this trick, successfully applying for a card will be a piece of cake.
5. Tips for filling in application materials
1. Marital status: married with children, married without children, married without children, single.
2. Residential telephone number: The “residential telephone number” item mainly examines the stability of the applicant. Do not ignore this item.
3. Residential address: If you own property or rent a house, you must fill in your residential address. The bank is checking your stability.
4. Residential status: Owned residence, no loan, self-owned residence, loan, unit, apartment, rented. If you do not buy a house, you may wish to write down your hometown address.
5. Annual income: There is a lot of skill in filling in income. Fill it out truthfully and avoid making up random things. Of course, don’t forget to add social security, provident fund, welfare, and year-end bonus on top of the after-tax basis.
6. Occupation and industry types: public institutions, state-owned enterprises, top 500 companies, and well-known companies are the best.
7. Length of service: The length of service directly shows the stability of your job, and can also indirectly show the sustainability of your income.
8. Mailing address: Filling in your work address not only adds points, but also shows your job stability.
9. Contacts: Contacts are divided into two categories: immediate family members and other contacts. Family members with stable addresses and friends with stable jobs and high incomes are good choices.
Warm Tips
1. Be sure to choose formal channels to apply for a card and beware of being cheated.
2. After submitting the credit card application form, pay attention to the latest progress and solve problems in time if found.
This ends the introduction to Kabaobao’s credit card application and how moms can apply for a credit card. Have you found the information you need?