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.
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.
How to apply for a credit card
1. Debit card:
If you want to apply for a debit card, just bring your ID card to the bank counter to apply. However, if you have a registered permanent residence in other places, you may also need to prepare a residence certificate or work certificate.
If it is a minor who wants to apply, just ask his or her parents to accompany them. If you have an ID card, bring your ID card. If you don’t have an ID card, you can bring your household registration book.
2. Credit card:
If you want to apply for a credit card, you need to prepare much more information than a debit card. Not only do you need to bring your ID card, you also need to provide local household registration or proof of residence, such as household registration book, temporary residence permit, utility bill payment slip, etc.
In addition, you also need to provide personal proof of work income, such as work certificate stamped by the unit, work permit, bank statement, etc.
Also, if the applicant has certain assets, he can also provide some asset certification materials, such as large deposit certificates, real estate certificates, car driving licenses, etc. In short, the more information you have prepared, the better.
Applying for a bank card
The process of applying for a credit card and a debit card is different. When applying for a credit card, you need to bring your valid documents (ID card or copy of ID card or household registration book or copy of household registration book), proof of residence, proof of unit income or proof of personal assets and other materials to the bank counter to go through the relevant procedures and fill out the application. Form, the information filled in must be true. After filling out the application form, it must be filed with the head office of the account opening bank. After the head office of the account opening bank reviews the application materials, it will take approximately 20 working days before the card can be issued to the customer.
Credit cards are only available to customers who are 18 years of age or older. Minors are not allowed to apply for credit cards.
Applying for a debit card is relatively simple. You only need to bring your valid documents (ID card or household registration book) and fill out the application form at the bank where the account is opened. The card can be issued to the applicant at that time.
There is no age limit for debit card application, and minors can also apply. When customers under the age of 16 apply for a debit card, their guardian must hold the account book (if they are not in the same account book, relevant certificates must be provided) to the bank branch counter to apply for it, and the person being processed does not need to be present; if you are over 16 years old, If minors under the age of 18 are already working, they can go to the bank counter with their work certificate and ID card to apply for a debit card on their own. If they are not working, they still need the assistance of their guardian, and the person being processed does not need to be present; Applicants who are 18 years old or above can directly go to the counter of a bank branch or a self-service card application machine with their ID card to apply for a debit card, and get it immediately.
Report the loss of a bank card
The procedures for reporting the loss of a bank card are not exactly the same among major banks. If you lose your bank card, you can first use the phone or online banking to temporarily report the loss, and then bring your ID card and other proof. Report the loss of materials at the bank counter.
Notes
1. When entering the password, be sure to cover it with your hands. If there is any abnormality in the password shield and card entry protection slot of the ATM machine, for safety reasons, do not use it. At the same time, inform the bank immediately;
2. In order to prevent fake ATM machines, customers should try to choose self-service banks with obvious signs and use ATM machines under the bank’s video surveillance;
3. It is best to store bank cards and ID cards separately, do not lend bank cards to others, and do not disclose bank cards and passwords at will;
4. When swiping cards for consumption, do not let bank cards out of sight and pay attention. Check the number of times the cashier has swiped the card. When you get the purchase order and card, check whether the amount on the purchase order is correct and whether it is your card;
5. Activate the mobile phone SMS service to keep track of account changes at any time , once abnormal transactions are discovered, call the bank immediately to report the loss;
6. If you suspect that funds have been stolen, you should immediately call the bank customer service number and report the loss of the bank card account in a timely manner.
7. Do not put bank cards together with electrical appliances with strong magnetic fields such as mobile phones, TVs, stereos, microwave ovens, etc. It is best to put them far away. Do not keep multiple bank cards and passbooks together.
8. Use pieces of paper to separate cards as much as possible to act as a distance.
9. You can use special bank card holders or anti-magnetic card holders.
You cannot open more than 4 cards from the same bank
How to apply for a credit card and what is needed?
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.
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. The business falls under item 13 and is invalid if it is approved by the People's Bank of China and will be subject to corresponding criminal liability.
How to apply for a credit card? p>The first way to apply for a credit card is: the applicant goes directly to the bank counter to apply. If you apply at the 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 prevent us from being rejected if we fill in the information incorrectly. At the same time, we can issue more certificates of qualifications and wealth, which will help increase our final credit card limit. However, the review speed of credit card processing at the bank counter will be relatively slow because the information must be reported to the credit card from the branch. 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 on the official website of the credit card, but when applying for a credit card online, we must fill in the information ourselves. , it is easier to fill in the wrong information and be rejected. However, online application is mainly convenient and you don’t need to go out. You only need a mobile phone or a computer to apply. There is also a credit card application method: through a bank’s credit card. Salespersons come to apply for credit cards. We often see these bankers setting up stalls in shopping malls or other stores to sell credit cards. This way of applying for cards allows you to receive prizes, but because they are all salesmen, the main thing is In order to gain performance, we still have to carefully consider things such as guaranteeing a high limit and guaranteeing a card. The process of applying for a credit card is 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, 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" stipulates that the People's Bank of China shall examine and approve 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 the business scope. The credit education business belongs to other businesses approved by the People's Bank of China in item 13. Violation of legal provisions is invalid and subject to corresponding criminal liability.
This ends the introduction on how to apply for a bank credit card and how to apply for installments with a bank credit card. Have you found the information you need?