apply for
In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. 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.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank.
After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
Extended data
Pay attention to key points
(1) Units or individuals applying for credit cards must have a deposit account in the bank. The company that receives the company card must have a deposit account in the bank, and it is not necessary to open a special account for deposit when applying for a credit card; Individuals who receive personal cards must open a special deposit account with the card issuer and provide a guarantor. When the cardholder cannot repay the credit card consumption debt, the guarantor must unconditionally assume the repayment responsibility. ?
(2) Credit card consumption or cash withdrawal. Generally, it shall not exceed the prescribed limit. The cardholder shall keep the balance in the deposit account in full for use, and allow goodwill overdraft when necessary. The card issuer will charge interest on the overdrawn funds; If the overdraft exceeds the prescribed time limit, the card issuer will cancel its credit card qualification.
(3) The credit card holder shall notify the card issuer in writing of the change of work or address; If you stop using the credit card halfway, you should return the credit card to the card issuer; If a credit card is lost, it shall be reported to the card issuer, and the economic losses caused by the card issuer before accepting the loss report shall be borne by the cardholder.
(4) Credit card holders can increase the credit card limit by swiping their cards.
Baidu encyclopedia-credit card
Baidu Encyclopedia-Credit Card Application Form