The credit card processing flow is as follows:

1. Applicants need to fill out a credit card application form, and need to fill in specific information such as real age, name, income status and position. In addition, the original ID card of the applicant is required during the processing, and some banks need photos of the applicant and staff. Provide the financial certificate provided by the applicant and affix the financial seal of the company. After all the information is filled in, it will enter the credit card review stage.

2. The next time is the audit stage of the bank staff, and it is necessary to pay a telephone call back to the applicant's personal phone number, home phone number, company phone number and friend phone number to confirm the authenticity of the information.

3. Credit card issuance notice. After calling to confirm, the applicant can check the progress of credit card application at the card bank in official website.

4. Card receiving is activated, and key information such as inquiry password, login password and transaction password is set. When everything is ready, you can start using your credit card.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits. Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

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The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.