how to apply for a credit card?
the first credit card application method is: the applicant applies directly at the bank counter. If you apply in the bank, you must fill in the information directly. There are bank staff on site who can guide me to fill in the relevant information, which can avoid the problem that we are rejected because of the wrong information. At the same time, we can issue more qualification certificates and wealth certificates, which is conducive to improving our final credit card quota. However, it will be relatively slow to review the credit card at the bank counter, because you have to report the information from the branch to the credit card center, and then the card center will review your information. Another way is to apply for a card online: nowadays, we can apply for a credit card in official website, but this way of applying for a credit card online is that we have to fill in the information ourselves, which is more likely to lead to the problem of wrong information filling, and thus it will be rejected. But online processing is mainly convenient without going out, as long as a mobile phone or a computer can apply for it. There is also a way to handle credit cards: through the bank's credit card salesman to handle credit cards. We can often see these bankers setting up stalls to sell credit cards in shopping malls or other shops. This way of handling cards is to receive prizes, but because they are all business personnel, the main purpose is to obtain performance, so we still have to weigh carefully some things that guarantee a high amount and ensure the issuance of cards, and we should not trust them too much. The process of handling a credit card 1. Prepare the application materials. 2. After the materials are ready, you can apply to the bank or make an appointment online. 3. Then wait for the bank's approval. During the approval process, the bank will call the applicant to verify the information. 4. After the approval, the bank will mail the card to the applicant, and get the card about 3 weeks after successfully submitting the information. "Legal basis: As a civil act, credit card business has been stipulated in principle by the General Principles of Civil Law, Contract Law, Criminal Law, People's Bank of China Law and Commercial Bank Law. In Chapter 5 of the Law of China People's Bank, the People's Bank of China examines and approves the establishment, alteration, termination and business scope of financial institutions according to regulations. Article 3 of "Commercial Bank Law" has 13 items in the business scope, and the credit education business belongs to other businesses approved by the People's Bank of China in Item 13. Violation of laws and regulations is invalid, and it is subject to corresponding criminal responsibility.
how to apply for a credit card in a bank
for details, please consult the specific outlets of major banks for the specific process of applying for a credit card.
the above contents are for your reference. please refer to the actual business regulations.
how to apply for a credit card
the first way to apply for a credit card is to apply directly at the bank counter. If you apply in the bank, you must fill in the information directly. There are bank staff on site who can guide me to fill in the relevant information, which can avoid the problem that we are rejected because of the wrong information. At the same time, we can issue more qualification certificates and wealth certificates, which is conducive to improving our final credit card quota. However, it will be relatively slow to review the credit card at the bank counter, because you have to report the information from the branch to the credit card center, and then the card center will review your information. Another way is to apply for a card online: nowadays, we can apply for a credit card in official website, but this way of applying for a credit card online is that we have to fill in the information ourselves, which is more likely to lead to the problem of wrong information filling, and thus it will be rejected. But online processing is mainly convenient without going out, as long as a mobile phone or a computer can apply for it. There is also a way to handle credit cards: through the bank's credit card salesman to handle credit cards. We can often see these bankers setting up stalls to sell credit cards in shopping malls or other shops. This way of handling cards is to receive prizes, but because they are all business personnel, the main purpose is to obtain performance, so we still have to weigh carefully some things that guarantee a high amount and ensure the issuance of cards, and we should not trust them too much. The process of handling a credit card 1. Prepare the application materials. 2. After the materials are ready, you can apply to the bank or make an appointment online. 3. Then wait for the bank's approval. During the approval process, the bank will call the applicant to verify the information. 4. After the approval, the bank will mail the card to the applicant, and it will take about 3 weeks to get the card after successfully submitting the information. " Legal basis: As a civil act, the credit card business is stipulated in principle by the General Principles of Civil Law, Contract Law, Criminal Law, China People's Bank Law and Commercial Bank Law. In Chapter 5 of the Law of China People's Bank, the People's Bank of China examines and approves the establishment, alteration, termination and business scope of financial institutions according to regulations. Article 3 of "Commercial Bank Law" has 13 items in the business scope, and the credit education business belongs to other businesses approved by the People's Bank of China in Item 13. Violation of laws and regulations is invalid, and it is subject to corresponding criminal responsibility.
how do I get a credit card when I go to the bank?
The specific process for banks to handle credit cards is as follows:
1. You can apply to the bank if you have reached the age of 18, hold a valid ID card and have no bad credit record.
2. Bring your ID card, proof of income and other related materials to the bank outlets, collect and fill in the application form, and submit it to the bank together with the proof materials for review.
3. The bank will comprehensively verify your salary, assets and personal credit, and give the credit card limit.
4. The bank will send the credit card to your reserved address or pick it up at a bank outlet after checking it.
5. activate the credit card after you get it, and you can use it.
Classification of credit cards:
Credit status
According to the credit status of cardholders, they can be divided into ordinary cards and gold cards
(1) Ordinary cards. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and their requirements are not high.
(2) Gold card. Gold card is an advanced credit card that pays high membership fee and enjoys special treatment. Card issuers are those with high credit, strong repayment ability and credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are much wider, so the requirements for related service fees and guarantee money are also higher.
payment method
according to different payment methods, credit cards can be divided into credit cards and quasi-credit cards
(1) credit cards. It is that when the issuing bank provides bank credit, it overdraws first, and then repays or pays by installments. Most of these cards are used in international circulation. That is to say, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used in international circulation.
(2) quasi-credit card. It refers to a credit card in which the cardholder must first deposit a certain amount of reserve fund according to the requirements of the issuing bank. When the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank, but the overdrawn part will be charged with interest from the day of overdraft and will not enjoy the interest-free period (quasi-credit card does not need to pay the reserve fund).
Circulation scope
According to the different circulation scope of credit cards, they can be divided into international cards and regional cards
(1) International cards. International card is a kind of credit card that can be used outside the issuing country and is universal. MasterCard, VISACard, AmericanExpressCard, JCBCard and DinersClubCard issued by five overseas groups (MasterCard, Visa International, American Express, JCB Card and Diners Club Card) are mostly international cards.
(2) regional card. Regional card is a kind of credit card that can only be used in the issuing country or in a certain area. Most of the credit cards issued by China Commercial Bank belong to regional cards.
How to handle the credit card
The credit card processing method is as follows:
1. Prepare the materials. To go to the bank to apply for a credit card, you must first prepare the corresponding processing materials, generally including the original ID card, work certificate, income certificate and so on.
2. Go to the bank to get the number. After preparing the information, you need to choose a favorite bank outlet and go to the bank self-service number retrieval machine to get the number ready for business during working hours.
3. Fill in the card application materials. Generally, after getting the number, you can ask the lobby manager of the bank how to fill in the information, and fill in the information according to the tips of the staff and the template provided by the bank. The information required to be filled in is accurate and cannot be smeared.
4. Submit information. After filling in the corresponding information, wait until the bank counter calls the number and calls the number you get, then go to the counter and submit the information needed to apply for the card, waiting for the bank's audit.
5. Counter audit. After receiving your audit data, the bank counter staff will review the data according to the corresponding regulations of the bank to see if it meets the conditions for handling credit cards. If it meets the requirements, it will pass the audit. If it cannot handle cards, it will inform the reasons for not handling them.
6. Card issuance is activated. If the bank has passed the card application, the bank counter staff will send you the card in time and help you activate it. Since then, your credit card has been successfully processed.
This concludes the introduction of how to get a credit card from the bank and how to get a credit card from the bank. Did you find the information you need?