How to apply for a credit card

The first way to apply for a credit card is: the applicant goes directly to the bank counter to apply. If you apply at a bank, you must fill in the information directly. There are bank staff on site who can guide me in filling in the relevant information, which can avoid the problem of being rejected if the information is filled in incorrectly. At the same time, we can issue more qualification certificates and wealth certificates, which will help increase our final card purchase limit. However, the credit card review process at the bank counter will be relatively slow, because the information must be reported 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, when applying for a credit card, we can apply for it on the official website of the credit card. However, when applying for a credit card online, we have to fill in the information ourselves, which makes it easier to fill in the information incorrectly. was dismissed. However, online application is mainly convenient and you don’t have to go out. You only need a mobile phone or a computer to apply. There is another way to apply for a credit card: that is to apply for a credit card through the bank's credit card clerk. We often see these bank staff setting up stalls in shopping malls or other stores to promote credit card applications. This method of applying for a card allows you to receive prizes, but since they are all business personnel, their main purpose is to obtain performance, so we still have to carefully consider things that guarantee a high limit and ensure the card is issued, and not to believe too much. The process of applying for a credit card 1. Prepare the application materials. 2. After the materials are ready, you can go to the bank to apply 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 is passed, the bank will mail the card to the applicant. It will take about 3 weeks to get the card after successfully submitting the information. "Legal basis: Credit card business is a civil act. The General Principles of Civil Law, Contract Law, Criminal Law, People's Bank of China Law, Commercial Bank Law and other laws have principled provisions on credit card business. Chapter 5 of the "People's Bank of China Law" states that the People's Bank of China examines and approves the establishment, change, termination and business scope of financial institutions in accordance with regulations. Article 3 of the "Commercial Bank Law" has 13 items in its business scope. Credit goes to school. Businesses that fall under item 13 and are approved by the People's Bank of China are invalid and subject to corresponding criminal liability.

How to apply for a credit card if your credit report is not good

I don’t know if any of you have been in this situation. Although your conditions are very good, it is reasonable to apply for a credit card. Who knew that the reality is so cruel. The credit card application was rejected because of poor credit. < /p>

So, how to apply for a credit card if your credit report is not good?

Situation 1. Credit novice

Credit. Novices refer to people who have no records on the credit reporting system. These people have never applied for a credit card or loan. Although there will be no credit stains, it is because of the zero record that the bank will not trust you to approve the card. .

After all, the bank’s credit record is blank and cannot know your credit status. In order to avoid risks, it will naturally not approve the card easily.

So, if you have a small credit, When applying for a credit card for the first time, you must shop around, choose banks with low application thresholds, and apply for credit cards that are easy to apply for.

Situation 2: Overdue repayment

Overdue repayment is the main reason for poor credit reporting. Cardholders with past overdue records who want to apply for a card are best to choose a credit card from a commercial bank, because generally speaking, the application threshold for credit cards from commercial banks is relatively low. < /p>

If the applicant has good overall conditions, such as stable job (civil servant, public institution, etc.), high income, high property certificate (especially vehicle certificate), etc., even if he has been overdue once or twice , it is also possible to apply for a credit card.

What needs to be reminded is that when submitting the card application information, provide sufficient and detailed application information as much as possible to increase the success rate of card application. I would like to know how to improve the success rate. , please refer to this article

Situation 3: Bad credit caused by others

If someone else steals your ID card information to apply for a credit card and fails to repay after overdrafting, it will affect your personal credit. In this case, it is recommended to file an objection application with the bank, and the bank will usually give you a reply.

Reminder: It is generally difficult to get approved for a credit card if you have a bad credit report. Even if you get approved, it will be a credit card with a small limit or 0 limit overdraft, so everyone must develop good credit.

How to apply for a credit card if your credit report is not good?

Reminder: Once you have a bad credit record in the bank, you will not be able to apply for a credit card in the short term.

If there are bad records that need to be eliminated, it is recommended not to be overdue. Banks are all open to it, and companies are not willing to lend to people who are unwilling to repay. Once there is an overdue loan, you may need to apply for a credit card. They were all rejected outright.

1. If your parents have a credit card, apply for their parent’s supplementary card

2. Use a large amount of money to apply for the bank’s VIP card, and then ask the financial manager for help after a period of time. Your introduction (no guarantee)

3. Some banks can apply for credit cards through pledge. For example, in some areas, Guangfa could freeze 3k and then give you a credit card of 3k, and then after a period of time (such as 2 years later) If the records are good enough, you can freeze your funds

4. See if your company can apply for a commercial card.

How to apply for a credit card

The credit card processing method is as follows:

1. Prepare materials. When you go to a bank to apply for a credit card, you must first prepare the corresponding application materials, which generally include original ID cards, work certificates, income certificates, etc.

2. Go to the bank to get the number. After you prepare the information, you need to choose a bank outlet you like, go to the bank's self-service number-taking machine during working hours to pick up your number, and prepare to handle business.

3. Fill in the card processing information. Generally, after taking the number, you can ask the bank lobby manager how to fill in the information, and fill in the information according to the staff's prompts and the template provided by the bank. The information required to be filled in must be accurate and cannot be erased.

4. Submit information. After filling in the corresponding information, wait until the bank counter calls your number. After getting the number, go to the counter to submit the required information for card application and wait for bank review.

5. Anti-audit. After receiving your verification information, the counter staff will review the information according to the bank's corresponding regulations to see if it meets the conditions for applying for a credit card. If so, it passes the review. If it can't do it, it will tell you why it can't be done.

6.Card issuance is activated. If the bank has already applied for the card, the bank counter staff will issue the card to you in time and help you activate it. From that point on, your credit card has been successfully processed.

Extended information:

1. Advantages and disadvantages of applying for a credit card:

(a) Advantages of a credit card:

1. No deposit required For overdraft consumption, you can enjoy an interest-free period of 20-56 days.

2. When shopping, you will get points as gifts.

3. Special merchants who hold cards at the bank can enjoy discounts.

4. Accumulate personal credit, and the credit record can be added to the credit file.

5. You can withdraw money or swipe your card at ATMs and POS machines with the UnionPay logo.

6. Some credit cards accept existing points.

7. Free monthly mailing of statements.

8. With the supplementary card function, you can manage finances together and control your children’s financial expenditures.

9. In the form of one card and two currencies, you can use domestic RMB to repay when you spend abroad.

10. 24-hour service hotline, loss report takes effect immediately.

11. Cooperate with third-party platforms to provide cardholders with preferential services.

(2) Disadvantages of credit cards:

1. Credit cards can easily lead to over-consumption.

2. Credit cards have higher annual interest rates.

3. Credit card debt can cause mental stress.

4. If your credit is not good, the cost of borrowing money will be higher, and you may even not be able to borrow money.

This ends the introduction on how to apply for a credit card without credit and I don’t have a credit card. Did you find the information you need?