How to apply for a credit card online

To apply for a credit card online, you can use the following methods:

1. Log in to the bank’s official credit card customer service center, click Apply for a credit card, and fill in the Personal information, just submit the application. For example: Open the official website of Bank of China, click Apply for a Credit Card Online in the Convenient Services column, select the required card type, click Apply Now, follow the prompts to enter information for personal identity verification, and submit the information.

2. Follow the WeChat official account of the bank’s credit card center and apply. For example: Follow the "Bank of China Credit Card" official account, click My Account - Card Application·Recommendation - Online Card Application | Self-service Quick Processing, select the appropriate card type, click Apply Now, and enter the relevant information.

3. Log in to mobile banking and apply. For example: Download and log in to China Merchants Bank's personal credit card software "Pocket Life", click Finance - Card Application, select the card type, fill in personal information, and apply.

Types of credit cards

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. Such cards can be specifically divided into retail credit cards and travel and entertainment cards.

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.

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. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits.

According to different repayment methods, credit cards can be divided into credit cards and quasi-credit cards

Credit cards. When the card-issuing bank provides bank credit, it is first used as an overdraft, and then repaid or paid in installments. Most of these cards are used internationally.

Quasi credit card. It is a credit card issued by a bank that allows you to deposit money first and spend later.

According to the different circulation scope of credit cards, they can be divided into international cards and regional cards

International cards. An international card is a credit card that can be used outside the country of issue and is accepted worldwide.

Regional card. A regional card is a credit card that can only be used within the issuing country or within a certain region. Most of the various credit cards issued by commercial banks in my country are regional cards.

How to apply for a credit card online

You can apply for a card online.

1. Online application process:

1. Enter the bank card application page through the ICBC portal website or log in to personal online banking

2. Select the province where you apply for the card and city and bank card type to apply for_and click Apply

3. Complete the application information according to the prompts and agree on the card collection outlet. Read ICBC's "Instructions for Safe Card Use" and "Automatic Repayment Business Agreement" Letter" and confirm whether you agree with the applicant's statement;

4. After confirming the applicant's statement, you can click "Submit" to complete the application process.

After submitting the application, you can click "Continue Application" to enter the product selection page and continue to choose to apply for other products

5. You can check the card application progress through the counter, telephone banking and portal website, or log in to personal online banking

6. After receiving the card, the appointment card collection outlet will send a card collection notification message to the applicant

7. After receiving the card collection notice, the applicant must present a valid ID card to the designated collection center. Card branches handle signature confirmation, card collection and activation of business

2. Which banks can apply for cards online?

If it is your first card, you can apply online for many banks. To be precise, common banks, especially banks with more flexible ideas, such as China Merchants, CITIC, Communications, Guangfa, etc., can all apply online. However, considering the bank's review, you and the bank's people need to meet in person. China Merchants Bank will have a salesperson visit you at your unit after you apply. CITIC, Communications, etc. will mail it to you after passing the online preliminary review. However, this card cannot be used temporarily. You must bring the card to a bank branch for an interview before it can be officially opened. Otherwise, if all applications are made without seeing the applicant in person, this is a violation of the regulations of the China Banking Regulatory Commission. If you are not the first cardholder, that is, you already hold a card from the bank and apply for a second card, then basically all applications for industrial and commercial, construction, investment promotion, CITIC, transportation, people's livelihood, industrial, etc. can be done online.

3. What are the requirements for applying for a card online?

1. First of all, the credit card held by the card applicant is in normal condition and has no bad credit record.

2. According to current information from public channels, the banks that currently support card processing include: Bank of China, Bank of Communications, Shanghai Pudong Development Bank, China Everbright Bank, Hua Xia Bank, Industrial Bank, Ping An Bank, and China Guangfa Bank . Generally speaking, for these banks, the card you currently hold with the longest period of use and the highest limit will be more popular. However, you still need to consult the customer service of each bank in detail for specific circumstances. Each bank has its own rules for the card application model.

3. Try to provide proof of personal financial resources when applying for a credit card, such as: copies of self-owned real estate certification documents, original and duplicate copies of motor vehicle registration documents, and copies of bank fixed-term (current) deposit certificates (folded) Documents or copies of academic certificates, etc. 4. The age of the card you have as a reference needs to meet the standard. It must have been used for at least half a year, the limit cannot be less than 5,000, and there is no bad record. In addition, the number of cards in one's name should not be too many. For ordinary people, 4 cards is enough.

How to apply for a credit card online

Online application process for credit card application:

First of all, there are two types of credit applications: online and offline. Apply at offline outlets: Prepare the application materials required for the application first, then go to the bank outlet to obtain the application form, fill it out and submit it together with the application materials, and then wait for the review results.

Online application:

1. Apply for an appointment online

2. A staff member will contact you three to five working days after the appointment to collect information

3. It takes about 7 to 10 working days for the bank system to review personal information and call back.

4. If approved, the credit card will be sent out in about 10 working days.

Among them, the conditions for applying for a credit card are similar for most people. To apply for a credit card, you must meet the basic conditions for credit application, that is, the applicant must be between 18 and 60 years old, and have full civil Chinese nationals or foreigners permanently residing in the country and compatriots from Hong Kong, Macao and Taiwan who have legal and stable sources of income and good credit.

In addition, if you can provide other financial proof documents (which can be bank salary records, income tax withholding certificates, or documents proving the market value of houses, cars, deposits and investments: such as real estate certificates/car driving records) Copies of certificates/bank deposit certificates, and other documents that can prove your financial level include: social insurance personal account list in the past 6 months, water and gas bills, credit card bills from other banks, etc.). It is more helpful to understand your personal situation and determine your credit limit.

If a minor applies, the consent of the guardian must be obtained.

To apply for a credit card, you must have a stable job and the ability to repay the loan on time each month; at the same time, the applicant must have a good credit report. Banks with poor credit reports will refuse to release the card.

Relatively speaking, it is easier and more convenient to apply for a card online than offline, but the last thing you need is to have a good credit report to avoid being rejected by the bank due to poor credit report during the card application process. Put the card.

The following are the credit card channels for Ping An Bank, China Merchants Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, China Minsheng Bank, China Everbright Bank, and China CITIC Bank. If you need it, you can apply by yourself!

Credit card application for China Merchants Bank and Ping An Bank

Credit card application for China Everbright Bank and China CITIC Bank

Credit card application for Agricultural Bank of China and Minsheng Bank

Online What is the process for applying for a credit card?

Credit cards can be applied through the bank’s online banking or at the credit card marketing website that the bank cooperates with.

The process of applying for a credit card online:

1. Select the card. Nowadays, there are many types of credit cards in each bank, so before applying for a card, you must choose the bank and card type.

2. Submit information. After selecting the bank and specific credit card type, the card applicant can enter the bank's credit card website to submit application information. Before submitting information, card applicants must verify their information in advance and ensure that the information filled in is true and valid.

3. Query progress. Applicants who apply for a credit card online should promptly go to the website or check the progress of the card application through the bank service phone to make sure that they can understand it at any time and pay attention to the status of the application.

4. Activate the card. When you receive a credit card, it does not mean that you can use the card to make purchases immediately. You also need to activate the credit card. Card applicants can apply for activation on the bank's website or call the customer service phone number. As long as the activation is successful, it can be used normally.