Don’t trust this kind of agency service and be careful not to be deceived. There are many similar cases.
15 points is a handling fee of 15. If you mention 50,000, you need to pay a handling fee of 7,500. This is the fee charged by some intermediaries in society who help people apply for credit cards. It is 15 points, which is 15. For example, if you apply for a credit card successfully and the limit is 50,000 yuan, then you will have to pay a fee of 7,500 yuan to help you apply for the card. of intermediaries.
Not to mention the high handling fees, your information may be resold and leaked, and if the bank knows about it, it will be difficult to get a loan through formal channels in the future.
Extended information
“No proof of income is required. You only need to provide a copy of your ID card to apply for a large credit card of more than 50,000 yuan.” Such advertisements for agency credit cards can be seen everywhere on the Internet. .
The China Payment and Clearing Association recently issued new regulations, requiring that the application for a credit card must be handled by the applicant in person with his or her original identity document, and other individuals are not allowed to apply on behalf of the applicant. However, a reporter from Beijing Business Daily found that in the past two days, small advertisements for online credit card agencies are still emerging one after another.
Just enter "agency credit card" on the Internet, and you can see a lot of agency information released in the past two days. One of the agents in the southwest region said, "I can quickly apply for a credit card, and the card will cost RMB 10,000-30,000 in five days. You can also increase the limit after placing the card. You only need to have no credit card and a local account."
The reporter contacted someone who is engaged in credit card processing, and the other person said that he can "apply for a card with a card" or "apply for a mortgage or car loan", with a single card limit of 10,000-30,000 yuan. If you have a credit card that has been used for more than half a year, or a mortgage or car loan that has been repaid for more than half a year, you can apply if you meet one of the conditions. Some banks can get the card on the same day, and others can issue the card in about 7-10 days, and the fees are low.
It seems that it is very good to apply for a credit card online. Not only is the card issued quickly, but the overdraft limit is also high. But in fact, there have been many news reports before about some applicants who sought agents online to obtain large-value credit cards but were defrauded of their money.
Some agencies usually take advantage of consumers' rush to process or do not meet the processing conditions to defraud high fees. In the past, there have been incidents where agents used the identity information of the card holder to fraudulently obtain credit cards with malicious overdrafts.
In fact, online credit card agency is not reliable in terms of regulations. According to the "Guidelines for Risk Control and Security Management of Bank Card Business" recently issued by the China Payments and Clearing Association: Applying for a credit card must be handled by the applicant in person with his or her original identity document, and other individuals are not allowed to apply on his or her behalf (the principal cardholder may apply for an affiliated card on his or her behalf). (except cards).
Hua Ming, an analyst in the credit card group of the Yinsu Financial Research Center, told a Beijing Business Daily reporter that credit cards can be applied online, on the bank’s official website and other formal channels, but credit card applications are not allowed on behalf of the person and must be in person. Regardless of the channel through which the applicant applies for a credit card, except for a small number of credit cards that are clearly marked with a new card production fee, credit card applications do not require payment of any handling fees.
As for the online card issuance model currently promoted by many banks, Hua Ming said that although this form has become the main card issuance method promoted by various banks, applicants still cannot complete the entire credit card approval process online.
Among them, China Merchants Bank, Bank of Communications, China CITIC Bank, etc. use the method where the cardholder fills in personal information through the Internet. The bank conducts a preliminary review and verification of the information. After passing the preliminary review, the applicant will be asked to go to a nearby bank. Complete the interview steps at the bank branch and sign the application form.
The other is for the applicant to fill in personal information online. The bank will send a card issuance specialist to customers who meet the basic card issuance requirements to conduct further information verification and interview. The bank will issue the card after approving the subsequent information. No matter which form requires an interview, it is obviously unreliable to apply for a credit card online by simply providing your ID card.
Reference material: People's Daily Online? Credit card online agency has been repeatedly banned. It is unreliable to apply for a card with just an ID card