Does it cost money to apply for a credit card?

The credit card application process is free. The formal application process does not require any handling fees. Now major banks are striving for more credit card market share and there is no charge for applying for a credit card. \\Comprehensive inventory of all bank credit cards around you\\Four major state-owned commercial banks: \Construction Bank: \Advantages:, no annual fee for the first year, and no annual fee for the next year if you swipe three times;, free SMS service;, cash withdrawal fee is only 0.5 ;, The handling fee for reporting a loss is 50 yuan;, There is a credit card directly targeted at car owners, as long as they have a car with a displacement of 1.4 or more, they can easily apply for the card.

\Disadvantages: The gifts that points can be exchanged for are few and poor\\Bank of China: \Advantages:, no annual fee for the first year, and no annual fee for the next year if you swipe it five times;, free SMS service;, cash withdrawal fee is only 1;, report loss The handling fee is only 40 yuan\Disadvantages: high points are required to exchange gifts, and there are few types of gifts\\ICBC:\Advantages: swipe the American Express card 5 times a year or spend 5,000 yuan to waive the annual fee for the year, or exchange 2,000 points for a RMB ordinary card One-year annual fee; free cash withdrawal handling fee; free handling fee for overpayment redemption; only 20 yuan to report a loss; many outlets\disadvantages: SMS service fee of 2 yuan/month; high points required to redeem gifts , Few types of gifts\\Agricultural Bank of China:\Advantages:, no annual fee for the first year, and no annual fee for the next year if you swipe five times;, free SMS service;, cash withdrawal fee is only 1;, loss reporting fee is only 50 yuan;, outlets More\Disadvantages: 1. Few types of credit cards; 2. Card application procedures are relatively cumbersome; 3. Few points can be redeemed for gifts\\China Merchants Bank:\Advantages:, no annual fee for the first year, and no annual fee for the following year after swiping six times; , SMS service is free; , Loss report handling fee is 60 yuan; , Points gifts are better\Disadvantages: , Cash withdrawal fee is high 3; , Few outlets\\CITIC Bank:\Advantages: , No down payment is required if you swipe once within one month after the card is issued Annual fee, swipe the card five times to waive the next annual fee; free SMS service; free accident insurance; Disadvantages: high cash withdrawal handling fee of RMB 3; few outlets; high loss reporting handling fee of RMB 80; gifts More but higher points required\\Industrial Bank:\Advantages:, no annual fee for the first year, no annual fee for the next year if you swipe five times or spend 3,000; 50 yuan required to report a loss\Disadvantages:, SMS service fee is 3 yuan/month ;, High cash withdrawal fee of 3;, Few branches\\Bank of Communications: \Advantages:, Waiver of first-year annual fee, Y-POWER card swiped three times to waive the next year's annual fee, and other cards swiped six times to waive the next year's annual fee; , SMS service is free; , Cash withdrawal fee is only 1; , Reporting loss requires 50 yuan; , More outlets than other non-state-owned commercial banks; , Points can be redeemed for more gifts \ Disadvantages: I haven’t seen it yet, but using a Bank of Communications credit card The overall evaluation given by colleagues is average\Guangfa Bank:\Advantages:, no annual fee for the first year, and no annual fee for the next year after six brushes; no handling fee for overpayment recovery; and only 3 days to prepare a replacement statement. Yuan;, get a copy of insurance;, there are discounts for card application\Disadvantages:, SMS service fee is 3 Yuan;, high loss reporting fee is 85 Yuan;, few outlets\\ Shanghai Pudong Development Bank:\Advantages:, no annual fee for the first year ;, No SMS service fee;, No loss report handling fee;, No overpayment recovery handling fee\Disadvantages:, The annual fee for the following year will be exempted based on the card swiping record and repayment record;, The handling fee for replacing a damaged card is high. 80 yuan, high cash withdrawal fee of 3 yuan, few branches\Shenzhen Development Bank: \Advantages:, no annual fee for the first year, 1 cash withdrawal fee, 50 yuan loss reporting fee, and replacement statement fee Only 2 yuan\Disadvantages: Points can only be exchanged for the next year's annual fee. Some credit cards can be redeemed for the next year's annual fee by swiping 12 times in the first year; Few branches\\Minsheng Bank:\Advantages: Free of first-year annual fee; , no cash withdrawal handling fee; , no overpayment reimbursement handling fee; , free aviation accident insurance and provide discounted car on-site emergency assistance services \ Disadvantages: , most credit cards need to be swiped 8 times to be exempted from the annual fee for the next year, and some require payment 160 yuan production fee; 3 yuan SMS service fee; 80 yuan loss report handling fee; 4. Few branches\Everbright Bank:\Advantages: 2. The first-year annual fee is waived for some cards, and the annual fee for the next year is waived for three swipes; 5. Cash withdrawal procedures Fee 1; No SMS service fee; 50 yuan is required to report a loss\Disadvantages: Some cards are only exempt from the first year annual fee, and some cards require a first year annual fee; There are few outlets

To apply for a credit card, you need to pay the first year annual fee Is it money?

Basically, it is free. No fees will be charged for applying for a credit card through any channel. However, there are also some fees for special cards, such as credit card production fees, expedited processing fees, etc.

Credit card charges generally include the following aspects: card annual fee, cash withdrawal fee, penalty fee, repayment interest fee, and installment rate fee.

If there are no credit card withdrawals, defaults, overdue payments, etc., no excess fees will be charged.

As for the annual fee of a credit card, according to relevant regulations, if the credit card is not opened or activated, the bank cannot charge the annual fee.

Extended information:

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay;

A quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the card can be overdrawn within the specified credit limit.

The credit card generally refers to a credit card.

Application

In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can apply to the card-issuing bank. Apply for a credit card.

Sometimes, legal persons can also serve as applicants.

Applicants for credit cards can be divided into units and individuals.

Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country.

Each unit applying for a credit card can receive 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 a guarantee to the bank.

The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

The application form is accompanied by a contract for using the credit card. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have an application A person’s autograph

Is there any fee for applying for a credit card?

Basically there is no fee. There will be no fee for applying for a credit card through any channel, but there are also some special cards that require some fees. , such as credit card production fees, expedited processing fees, etc.

Credit card charges generally include the following aspects: card annual fee, cash withdrawal fee, penalty fee, repayment interest fee, installment rate fee, if there is no credit card cash withdrawal, default, overdue, repayment and other operations No extra fees will be charged.

As for the annual fee of a credit card, according to relevant regulations, if the credit card is not opened or activated, the bank cannot charge the annual fee.

Sometimes even if the credit card has been activated, the annual fee can be waived, as follows:

1. For ordinary credit cards, most banks’ annual fees are free in the first year, and subsequent card swiping reaches the level of swiping. The annual fee for the following year will be waived.

2. For gold and platinum credit cards, the annual fee for some bank credit cards can be waived by redeeming points or reaching the number of card swipes. Users can carefully understand the annual fee collection issues for each level. If you do not understand, you can call customer service for consultation. In addition, some high-end credit cards such as platinum cards and AE cards are required to pay annual fees.

In short, users must have a clear understanding of credit card charges. If there are some unclear charges, you can ask customer service for details.

Extended information:

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay;

A quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.

Repayment methods:

The methods within the card-issuing bank include: card-issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

WeiBank POS mobile phone and WeiBank Tong POS mobile phone are a mobile financial system personal payment terminals that can be used to directly repay by swiping cards, as well as perform transfers and other services. Instant payment!

Transfer/remittance repayment is mainly divided into two methods: inter-bank inter-bank in the same city and inter-bank inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

The more common domestic online platforms for online repayment include: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

This method of convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store. Generally, the payment time takes 2 to 3 working days. At the same time, using this There is no handling fee for repayment.

Counter repayment counter refers to bank cards issued by various networked financial institutions, which can be used to conduct RMB current deposit and withdrawal transactions through the counters of other bank branches registered in the UnionPay exchange center host system.

The "Xinpaytong" smart credit card phone for repayment is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center, and supported by financial services provided by China UnionPay's inter-bank information exchange network.

Use "Repayment Tong" to make repayments, and the fees are generally charged according to the fee standards for intra-city inter-bank transfers and long-distance inter-bank remittances stipulated by the local People's Bank of China.

Other methods In addition to the methods mentioned above, card issuers have also opened their own unique repayment methods in order to facilitate cardholders' repayment.

That’s it for the introduction of whether it costs money to apply for a credit card.