The process of applying for a credit card is as follows:
First, apply for an appointment online; Submit application materials
Second, after the application materials are submitted, the bank will conduct a preliminary examination. After the application is approved, the bank staff will contact to confirm and collect personal information (identity certificate, work certificate, financial certificate); Or you can go to the bank to submit proof materials yourself.
1, and the age must be between 18-60 years old;
2. Identification certificate: generally, it is an ID card (if a new ID card is used, a copy of the front and back is required), and soldiers need to provide a copy of their ID cards;
3. Work certificate: it can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and affix the official seal or personnel seal of the company), or a copy of the work permit/card verified and marked by the sponsor;
4. Proof of financial resources: it can be a payroll record issued by a bank, an income tax withholding certificate, or a market value certificate of a house, a car, a deposit or an investment (such as a copy of the real estate license/car driving license/bank time deposit certificate) and other materials that can prove the financial level.
Other documents for reference include: personal account list of social insurance in the last 6 months, water, electricity and gas bills, credit card bills of other banks, etc.
Third, face-to-face signing
4. After the data is approved, mail the card according to the filled mailing address information;
5. Activate the binding card.
Credit card interview is mainly for applicants to apply for credit cards online. According to the requirements of the regulatory authorities, the credit card application must be submitted by the cardholder himself and signed by him. When an applicant applies for a credit card online, the issuing bank obtains the customer's application materials through the network, and it is impossible to judge whether the applicant himself has submitted the application materials. Therefore, in order to meet the regulatory requirements, after the applicant applies through the Internet, the issuing bank will send a short message to inform the applicant that he has passed the preliminary examination, and he needs to bring his ID card to any outlet of the issuing bank for face-to-face signing within the specified time. After the applicant submits the application materials, the preliminary examination shall be conducted first. After the first trial is passed, the bank will call the applicant for verification. After the information is verified, the bank will give the audit results. After the card is approved successfully, the bank will generally make and issue the card within one to two weeks. After receiving the card, if it is the first time to apply, the applicant must go to the nearby China Merchants Bank outlets for face-to-face signing. In addition to my ID card and credit card, the applicant should also bring the card confirmation letter mailed with the card, which can only be used after activation at the counter.