Second, the principle of use: only for my own use, not to lend it to others.
3. In case of a large amount of overdue repayment due to bank dunning:
1, first of all, be sure to confirm whether it is the phone number of the bank credit card center, and then call the official customer service hotline to inquire about the situation after hanging up.
2. If it is really my credit card debt, then I need to check the card handling information, including the time and place of card opening.
3. If you have never applied for a credit card in our bank, please bring your application identity information to the bank outlet to explain the situation.
4. If the amount involved is large, you need the help of the police to verify the signature handwriting on the application form.
Do I have to apply for a credit card myself? I have to go in person, but I can tell you that you can't get a credit card with your ID card now. Your mother can find out if you have a credit card.
Do I need to bring the original ID card when I apply for a credit card? I have to bring the original ID card! In fact, there should be other ways to go to the mall without going to the bank, but you still need an ID card and a mobile phone to verify it!
If you apply for a credit card, do you need someone to apply? First, Bank of Communications handles the self-proclaimed legal process in the recharge card. 1. Card handling process: (1), an individual applies for a card, and the card handling personnel of Bank of Communications come to the applicant's work unit. (2), card personnel ask the applicant's basic information (address; Monthly income; Working years; Parents' telephone numbers; Friends phone), take photos of the applicant's ID card and work permit with a digital camera. (3) Card handling personnel ask the applicant to sign the two forms and tell the applicant to go back and fill them out. If the head office of Bank of Communications checks by telephone, let all applicants answer yes. The applicant has not seen any relevant legal texts and contract texts. (4) A week later, the applicant received a verification call from the head office of Bank of Communications, asking for the applicant's name, contact number, home phone number, work unit address and residence address, and the applicant answered truthfully. (5) A week later, the applicant received a registered letter from the head office of Bank of Communications, and sent the applicant a credit card (overdraft card) and a bill (the first one was a user-defined ultra-high credit limit). (4) The card issuer did not express any legal rights and obligations to the applicant, and imposed its so-called legal process on the applicant by means of signature preset (the signature preset is signed by the applicant first, and then filled in by the card issuer). 2. The process that Bank of Communications claimed to be legal in using overdraft card: (1) The use process: (1), and the cardholder only got the information (free credit card swiping, bonus points, etc.) from the card issuer. ), except for bills, cardholders have never received financial tips from card issuers. (2) The installment repayment amount can only be decided by the card issuer, and the cardholder has no right to negotiate according to his own payment ability. (3) As for the relevant charging items and standards in the overdraft card, the card issuer intentionally fails to make explicit, and the cardholder can only passively accept bill default (bill deduction default). (4) The cardholder applies to the card issuer for card withdrawal, and the card issuer's reply is that the annual fee will be exempted, and the automatic card withdrawal will not be enabled for 45 days, and the cardholder's application will not be accepted in time. Third, Bank of Communications thinks that the legal process of debt collection: (1) The card issuer has failed to fulfill its obligation to manage the debt risk for the cardholder. (2) When the cardholder is in debt, the card issuer does not know the reasons for the cardholder's debt, and the card issuer arbitrarily determines the nature of the cardholder's debt with its own dunning process, such as malicious overdraft and intentional non-repayment. Don't give the cardholder the opportunity to negotiate the repayment plan according to his repayment ability, and make mandatory default (the cardholder must unconditionally default all processes without the legal basis of the issuing bank, including the intentional obligation inaction and intentional injury behavior of the issuing bank, otherwise the issuing bank will pursue the legal responsibility of the cardholder with its own legal process. Mr. Pan, Mr. Xu and Mr. Shen from the headquarters of Bank of Communications claimed that Bank of Communications is a state-owned bank, and all procedures have been approved by the central bank, which not only has the right to convict cardholders according to procedures, but also has the right to execute them. (3) The card issuer extorts debts from the cardholder's relatives and friends by defaming or damaging the cardholder's personality and reputation. Four, the legal liability investigation procedures advocated by Bank of Communications:
Do I have to hold an ID card to apply for a credit card? I have to hold my own ID card to apply for a credit card.
Credit card processing conditions: China people, foreigners and compatriots from Hong Kong, Macao and Taiwan who have reached the age of 18, have full capacity for civil conduct, have a legal and stable source of income, and have good credit standing can apply for a bank credit card with their valid identity documents.
The materials to be provided are as follows:
1. Identity information: copy of resident ID card or military officer's card; Hong Kong and Macao compatriots provide copies of their mainland travel permits and residence certificates for more than one year; Foreigners can provide copies of passports and residence permits for more than one year.
2. Proof of work income: proof of salary and a copy of social security (paid for more than half a year).
3. Auxiliary materials for applying for a bank credit card: education background, professional title, professional qualification certificate, self-owned real estate license, self-owned car driving license, telephone number of current residence in the last three months, original vouchers of water, electricity and gas expenses, etc.
Do I have to hold an ID card to apply for a credit card? Hello.
Get a credit card! Be sure to bring your ID card! Some networks handle it! You also need to go to the bank to activate it.
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Credit card processing conditions:
1. At least 18 years old and no more than 65 years old;
2. Need my second-generation ID card;
3. There is a work certificate and income certificate stamped with the financial chapter of the unit;
4. No bad credit record;
5. Other financial certificates, such as real estate, automobiles, stocks and bonds.
Credit card application materials:
1. Identity information: copy of resident ID card or military officer's card;
2. Proof of work and income;
3. Other financial certificates: such as photocopies of real estate license, automobile driving license and deposit certificate.
Credit card application process:
1. Fill in the application form;
2. The bank's own information, and a copy of these information;
3. The bank sends it to the credit card center;
4. The credit card center conducts audit, business card printing and card issuance;
After getting the card, I opened the card and waited for the password letter.
6. Being at least 18 years old is a mandatory requirement for applying for a credit card, but without a work certificate, it is easy to refuse to apply for a credit card. Therefore, if there is no unit, it is best to have fixed assets such as real estate and automobiles or a stable source of income. You can also go to a bank with transactions, get a bank flow certificate, and apply to the bank. If the income source is relatively stable, the application success rate is still very high.
Do I have to check my credit when I apply for a credit card? To apply for a credit card, you must be at least 18 years old and have a stable income or other economic proof before you can apply for a credit card.
Credit card processing conditions:
1, the minimum application age stipulated by the bank is 18 years old, and the maximum application age is 60 years old;
2. I need my second-generation ID card;
3. There is a work certificate and income certificate stamped with the financial chapter of the unit;
4. No bad credit record;
5. Other financial certificates, such as real estate, automobiles, stocks and bonds.
Materials required to apply for a credit card:
1, applicant's ID card;
2. Credit card application form of the application bank;
3. Work certificate and income certificate stamped with the financial seal of the unit;
4. Individual businesses need individual business licenses and tax bills for nearly three months;
5. Other financial proof: income tax withholding certificate; Copy of self-owned real estate license; Copy of self-owned car driving license.
Credit card application process:
1, fill in the application form;
2, to the bank's own information, and a copy of the information;
3. The bank sends it to the credit card center;
4, credit card center audit, business card printing, card issuing;
After getting the card, I will open it and wait for the password letter.
Do I have to hold my ID card to apply for a credit card? I need to be at least 18 years old to apply for a credit card, and I have a stable income or other financial proof to apply for a credit card.
Credit card processing conditions:
The minimum application age stipulated by the bank is 18 years old, and the maximum application age is 60 years old;
Need my second-generation ID card;
A work certificate and income certificate stamped with the financial seal of the unit;
No bad credit record;
Other financial certificates, such as real estate, cars, stocks, bonds, etc.
Materials required to apply for a credit card:
The applicant's identity card;
Bank credit card application form;
Work certificate and income certificate stamped with the financial seal of the unit;
Individual businesses need individual business licenses and tax bills for nearly three months;
Other financial proof: income tax withholding certificate; Copy of self-owned real estate license; Copy of self-owned car driving license.
Credit card application process:
Fill in the application form;
Information of the bank itself, and copies of these information;
The bank sends it to the credit card center;
The credit card center conducts audit, business card printing and card issuance;
After getting the card, I opened the card and waited for the password letter.
Do I have to apply for a credit card for the first time? Yes, I must apply in person.
For example, the basic conditions for applying for a CCB credit card are: at least 18 to 70 years old, with full capacity for civil conduct; Have a stable occupation and income, be able to repay the principal and interest on time, and have a good credit. This requirement is not high. If you work in a regular unit, the unit must pay five insurances and one gold continuously, and your personal credit record is good, so it is possible to apply for a credit card.
You can apply directly at CCB official website Online. If you have CCB's online silver shield, you can choose to verify it when you apply, and you don't need to go to the outlets to sign it in the future. If the new customers who have not verified the online banking shield must face-to-face interview, the bank will send a text message to let you go to the nearest CCB outlet for face-to-face interview after the first trial is passed. When signing face-to-face, you only need to provide the original ID card without other materials. In addition, mobile banking and WX (China Construction Bank) can also apply for credit cards.
If you can submit some financial proof and hope to get a higher quota, it is recommended to prepare your ID card and financial proof and apply at a nearby CCB outlet. Pay attention to the newsletter after application, and the bank will send you a newsletter after reviewing the progress and results.