Will I check my education when I apply for a credit card of China Merchants Bank?

When handling any credit card or loan, you will not log in to Xuexin. com to check your academic qualifications. You will review what you write. When applying for a credit card, a high degree of education is only a bonus item, and it will not directly or decisively affect whether the credit card is passed.

if you apply for a CMB credit card, you need to be 18-6 years old. If you can provide your ID card (temporary id card needs a copy of the second-generation temporary id card and household registration book with a validity period of more than 3 months), work certificate and income certificate, you can try to apply. If you apply for a car card, you need to attach a copy of your driving license in your name. If the local branch has clear regulations, it needs to be subject to the local branch's regulations. The final audit result of the credit card will prevail. If you only have an ID card or are under age, you can apply for a supplementary card for your immediate family (immediate family members are parents, children and spouses). You can log on to the credit card website, select "Credit Card Application"-"New Customer Application Channel", and apply for it through the online banking reservation platform of "Easy Reservation, On-site Handling". You can fill in the simple reservation information online and wait for the bank's approval. If the approval is passed, our bank will conduct the preliminary examination first. If it passes the preliminary examination, there will be two subsequent card processing processes. One is that if it passes the preliminary examination, a card handler will contact you to collect it at home. The other is that you will receive a short message from our bank, asking you to go to the outlet to sign and confirm your application. The details shall be subject to the notice of our bank after the first trial is passed.

1. There are two main requirements for credit card application:

1. Age requirement: 18-6 years old;

2. Have a stable job and income source.

2. Materials and certificates to be provided when handling:

1. Domestic residents only need to provide: complete and signed application form, identity certificate, residence certificate and income certificate;

2. Foreigners and Hong Kong, Macao and Taiwan people also need to provide: a residence permit for foreigners (the reason for residence must be employment) or an employment permit for foreigners/Hong Kong, Macao and Taiwan people;

3. If it is a private owner, in addition to the above information, a copy of the industrial and commercial business license showing the name of the applicant, the name of the enterprise and the date of starting business shall be provided.

3. If you want to apply for a large credit card, you need to provide proof of good economic strength, such as a copy of the real estate license and a copy of the automobile driving license; Bank loan account (good credit, overdue for no more than 6 days) or copy of deposit certificate, etc.

IV. Ways of handling:

1. Application at the bank counter;

2. Credit card application in official website;

3. Apply to the bank credit card salesman;

4. You can apply on WeChat;

will you check your academic qualifications when you apply for a credit card?

Yes.

generally, the application method is to fill in a credit card application form, and the contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant. And submit certain copies of certificates and certificates to the issuing bank.

after the customer truthfully fills in the application form, he/she should submit the completed application form as well as the relevant credit certificate. The application form is accompanied by a contract for using a credit card. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, submit a statement on the authenticity of the information, the privacy protection policy of the issuing bank, etc., and must have the applicant's autograph.

Extended information:

According to the Notice on Printing and Distributing the Measures for the Administration of Credit Card Business:

Article 33 Any unit that has opened a basic deposit account with financial institutions in the People's Republic of China may apply for a company card. A number of corporate cards can be applied for, and the cardholder qualification shall be designated and cancelled in writing by the legal representative of the applicant or his entrusted agent.

Every citizen with full capacity for civil conduct can apply for a personal card. The main cardholder of a personal card may apply for supplementary cards for his spouse and relatives over the age of 18, and the maximum number of supplementary cards shall not exceed two. The main cardholder has the right to request cancellation of his supplementary cards.

article 34 when applying for a credit card, a unit or individual shall fill in an application form and submit it to the issuing bank together with relevant materials. For those who meet the requirements, the issuing bank will open a credit card account for the applicant and issue a credit card.

article 35 all funds in the unit card account shall be transferred from its basic deposit account, and cash shall not be deposited, and funds from other deposit accounts and sales income shall not be deposited in the unit card account.

the funds in the personal card account are limited to the cash deposit held by the individual or the transfer deposit with his salary and other legal income belonging to the individual. It is strictly forbidden to transfer the unit's funds into the personal card account.

Article 36 Credit cards are only used by legitimate cardholders, and cardholders are not allowed to rent or lend their accounts.

Article 37 After the cardholder has paid off the overdraft principal and interest, the account can be cancelled under any of the following circumstances:

(1) The cardholder fails to replace the credit card 45 days after its expiration;

(2) after 45 days of reporting the loss of a credit card, there is no supplementary card and a new card is not replaced;

(3) The credit card has been withdrawn by the issuing bank for 45 days because of its poor reputation and being included in the stop payment list;

(4) the cardholder dies for some reason, and the card issuing bank has recovered his credit card for 45 days;

(5) The cardholder requests the account cancellation or guarantor to cancel the guarantee and has returned all the credit cards for 45 days;

(6) there has been no transaction in the credit card account for more than two years (inclusive);

(7) The cardholder violates other regulations, and the card-issuing bank thinks that the cardholder should be disqualified.

Baidu Encyclopedia-Credit Card

Is there any requirement for academic qualifications when applying for a credit card?

there is no academic requirement for applying for a credit card.

In most cases, citizens who have full capacity for civil conduct (citizens aged 18 or above in Chinese mainland) and have a certain direct source of income can apply for a credit card from the issuing bank. 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.

Extended information:

Ways to apply for a credit card:

Method 1: Counter at a bank outlet

Going to a bank outlet is the most traditional and oldest way to apply for a credit card. The advantages are: detailed information can be filled in, which can avoid a series of subsequent troubles; At the same time, you can also consult the bank staff on the spot if you have any questions.

method 2: mobile stalls

this is also an old way to handle credit cards, which is more common in subway stations, large business districts (business districts) and other places where people are concentrated. However, the biggest advantage of handling credit cards at mobile stalls is that you can get all kinds of gifts, from thermos cups and charging treasures to luggage case, most of which are practical and of high value.

Method 3: Online banking

This is the mainstream credit card application method at present. You only need to enter all kinds of information according to the prompts on the relevant pages of the bank in official website to apply, which is very convenient and fast. Because the input data will be uploaded to the bank credit card center soon, the approval speed is relatively fast. Generally, it takes 5-1 working days to check whether the approval has passed, and some banks will have the results in about 3 working days.

method 4: mobile phone terminal

generally speaking, sesame credit score is higher than 7 points and Xiaobai credit score is higher than 9 points. Download Alipay and JD Finance App, and after successfully logging in, you can check your credit score, and then find the relevant credit card application page to apply. However, the types of credit cards that can be handled in this way are very limited, and there are generally no more than three types of cards to choose from.

method 5: make an appointment

making an appointment is the best way to apply for a credit card. You can make an appointment through the bank official website, App or telephone, and the bank staff will come to the door on time for one-on-one processing. The optional cards are complete, and you can get answers on the spot if you have any questions. After you get the card, you don't need to go to the bank to sign it. You can activate the card by phone and online.

Baidu Encyclopedia-Credit Card

This is the end of the introduction about how to check academic qualifications by credit card and how to check academic qualifications by credit card. I wonder if you found the information you need from it?