What are the formal channels for handling credit cards

With credit cards, you can overdraw first and then repay. Many friends like this consumption concept, so in 217, more and more people want to handle credit cards. However, if you choose some informal channels to handle the card, it will bring endless trouble. Here are some regular channels to handle the card.

1. As a card issuing bank, the bank counter or official website

must have no more formal channel than the bank. No matter whether you go to the counter or apply for a card at the bank in official website, the confidentiality factor is very high, and the security of incoming documents is also good, so there is basically no risk of customer information leakage.

However, applying for a card at the bank counter also has some shortcomings, and it is often necessary to provide complete information, such as identity certificate, work certificate, financial proof, house book, credit card of other banks (using the card for one year or more), etc. The more complete the materials, the easier it is to get a card, and the amount of card approval is also higher.

Second, the third-party organization authorized by the bank

In addition, this kind of website can provide cardholders with some credit card information in addition to the application channel. When applying for a card on this kind of website, you can browse the credit card information of multiple banks at the same time, so it is not necessary to apply for one bank at a time.

Third, third-party payment platforms

Banks also cooperate with third-party platforms such as WeChat and Alipay. Such application channels are also very formal, with high safety factor and very fast card approval speed.

For example, if you apply for the credit cards of China Everbright Bank and Minsheng Bank on Alipay, after filling out the application form and submitting it, the bank will authorize you to check your sesame credit score, and the second batch will be realized according to the sesame credit score.

The above are the most common formal channels for applying for a credit card. No matter which channel you apply for a credit card, you should choose the card type that really suits you according to your income and consumption, and don't blindly pursue a high-quota platinum card.

generally speaking, as long as you have a stable job and a good credit history, it is no problem to apply for a credit card yourself.

There are three ways to handle large credit cards in a formal way.

In the market, many unscrupulous institutions will use the banner of helping to increase the credit card limit. In fact, the purpose is to defraud card friends of their identity information and steal their cards and then make illegal profits. So how can we avoid these minefields and formally handle large credit cards? Don't worry, let's sort it out for everyone.

1. Regular handling of large credit cards at bank outlets

Handling credit cards at bank counters can be said to be the most traditional way to handle large credit cards. The safety factor of credit cards handled in this way is absolutely the highest. Cardholders can consult the staff if they encounter problems with the credit card limit. Of course, this way of handling also has the disadvantages of low labor efficiency.

2. Apply for a credit card online

Cardholders can also choose to go to the official website of major banks to apply for a large credit card, which is the most mainstream credit card processing method at present. Card friends only need to input all kinds of information according to the tips on the bank page to complete the convenient and quick application. This application method is very fast, but the disadvantage is that cardholders can't activate their credit cards at one time through the network.

3. Regular third-party platforms to handle large-value credit cards

There are many safe and reliable third-party platforms, such as credit card application platforms, which have signed agreements with banks with the approval of banks, and can open the network portal to provide regular channels for cardholders to handle large-value credit cards. This formal way of handling large credit cards can not only save time, but also be equipped with professional consultants and clear instructions, which is a very good choice for small white card friends.

which credit card is better

The better credit cards are China Merchants Bank Credit Card, Bank of Communications Credit Card, China Industrial and Commercial Bank Credit Card, China Construction Bank Credit Card and China Bank Credit Card.

1. "China Merchants Bank Credit Card": suitable for friends who value service more than points. This credit card not only has many kinds of cards and beautiful designs, but also has low application threshold, permanent and effective points and convenient repayment. However, the credit card has a 2 yuan of one point, regardless of zero, and the points policy is very inhuman, with an interest-free period of 18 days, which is the shortest among all card issuers. You can call customer service at 8-82-5555 and 95555 for detailed inquiry.

2. "Bank of Communications Credit Card": suitable for friends who often buy household appliances (Suning Card can enjoy double Suning points). The credit card has a low application threshold, fast withdrawal, and an ultra-long interest-free period of 56 days. You can withdraw 1% with YP card, but the credit card is cumbersome to operate in stages, and the points are not permanently valid. It will not automatically count the total consumption of all cards, so you need to repay them separately. You can call customer service at 8-988-8888 and 95559 for detailed inquiry.

3. "China Industrial and Commercial Bank Credit Card": it is suitable for friends who have no local joint-stock commercial banks and often like to withdraw cash by overdraft. At present, this credit card is the bank with the largest number of outlets in China, which can be unlimited, and there is no handling fee for withdrawing cash locally. Different brands of international cards have independent quotas. However, this credit card not only has a high application threshold, but also has a poor service attitude of branches. There are no 8 telephones, and 4 pages are not open to individual users. You can call customer service at 95588 for detailed inquiry.

4. "China Construction Bank Credit Card": it is suitable for friends who do not have joint-stock commercial banks locally. Compared with the other three state-owned banks, this credit card has a lower application threshold, and the minimum repayment is supported by overdraft withdrawal. However, the credit card is generally low in amount and slow in withdrawal, so it will not automatically count the total consumption of all the cards and needs to be repaid separately. You can call customer service at 8-82-588 for detailed inquiry.

5. "China Bank Credit Card": It is applicable to the collection of Olympic cards. This credit card is the earliest credit card issuer in China, and it can be counted as points for overdraft withdrawal. However, the account cancellation of this credit card has to go to the business outlets, and Alipay is not supported. Only 8 credit cards are used for Great Wall International, and overdraft withdrawal does not support the minimum repayment. You can call customer service telephone numbers: 4-669-5566, 8-82-5288 (international card) and 95566 for detailed inquiry.

Note on selection:

1. Choose a suitable card issuer

The first step in credit card selection is to choose a suitable card issuer. Some credit card issuers have many preferential activities, so it is easy to apply for a credit card and issue a card. And some credit card issuers are just the opposite.

2. It's more convenient to apply for card cancellation

For the credit card issuing bank, it's better to have a credit card outlet in the city where you often live, so it's more convenient to apply for and apply for a credit card. Otherwise, it is easy to apply for a credit card, and it is more troublesome to cancel it.

how do I know if the credit card I am handling is legitimate? You can check through these ways

There are many credit card processing channels now, and many people do not apply for cards through banks. Although they talk about cards, they are a little worried that credit cards are fake. In fact, there are many ways to know whether credit cards are legitimate or not. Let's take a look today.

how do I know if the credit card I am handling is legitimate?

If you don't handle the card through the bank channel, you will have a greater chance of getting a fake card. Nowadays, many fake cards made by criminals can be confused with the real one, so it is difficult to tell the truth with the naked eye. If you are not sure about the credit card you have obtained, you can inquire through these channels:

1. Bank inquiry: Take the credit card you have handled and go to the bank outlets where the credit card is displayed; Or check the bank phone number online, call the manual customer service and ask for help. Both methods can directly find out whether the credit card is formal or not.

2. POS machine inquiry: Fake cards can't be swiped normally on POS machines. If the card swiping fails, corresponding error codes will be prompted, such as error code 4, error code 7, error code 34, error code 37, error code 41, etc., which will prompt the merchant to confiscate the card, indicating that a fake card may be swiped.

of course, besides the above two channels, there are other ways to query, so I won't introduce them. Finally, I want to remind you that there are many new ways now. For example, many credit card agents all give a fake card to cheat money, asking everyone to give money in the name of collecting card opening fees, but in fact, they can't open a card after giving money, because it is not a real credit card.

Therefore, in order to avoid economic losses, people still apply for cards through banking channels, such as outlets, and online cards in official website and WeChat official account. As long as the official channels apply for cards through the credit cards received, they must be formal, which can be assured.

Top Ten Most Worthy Credit Cards

1. Industrial and Commercial Bank of China

1. ICBC Platinum Digital Card: the annual fee can be exempted, the entry level is small platinum, and the card issuing rate is high.

2. ICBC Glory Plus Platinum Card: 2, yuan rigid annual fee, 5, yuan annual cash back, and 2, points can be exchanged for unlimited dragon.

3. ICBC Shangri-La Platinum Card: the annual fee can be waived, and the membership of Shangri-La Hotel Group Emerald is exempted from the annual fee for 3 years, and the points can be automatically exchanged for VIP Golden Circle points and hotel rights.

2. China Merchants Bank

1. Free Life Platinum Card of China Merchants Bank: annual fee can be waived, cash back overseas, two low-cost hotel stays per year, and 99/199 points per month can be redeemed for video music members.

2. China Merchants Bank Classic Platinum Card: 1, points for annual fee, free physical examination/tooth cleaning/golf/VIP room/low-cost hotel, up to 2, yuan for delay insurance, and 1 times for birthday.

3. China Merchants Bank Express Centurion Platinum Card: 3,6 yuan rigid annual fee, unlimited PP, unlimited airport VIP lounge, matching Marriott/Hilton/Radisson membership, integrating free medical examination/tooth cleaning/golf/low-cost hotel, with the maximum delay risk of 4, yuan/time and 1 times points for birthday.

Third, China Construction Bank

1. Longka bilibili Credit Card: The annual fee can be waived, and the annual membership of bilibili can be given for two years, with a high card-issuing rate.

2. Longka car card: rigid annual fee, preferential car wash once a week, points convertible oil card, free national road rescue, and qualified car owner card for application.

3. Longka Family Love Credit Card: 15, points to the annual fee, unlimited 3 people * * * to enjoy expert outpatient service in three hospitals, 6 times of driving/year, 2 times of picking up and dropping off the plane in 1 yuan, overseas cash back, 118 yuan for two times of driving/cash back with 1 yuan JD.COM card when the consumption reaches the standard, and the maximum delay insurance is 2, yuan/year.

4. Longka enjoys Platinum Credit Card (Dashanbai): 4, points are exchanged for annual fee, unlimited 3 people can enjoy expert clinics in three hospitals, unlimited free road rescue, unlimited airport VIP lounge, 5 PP cards per year, limited hotel/shuttle/driver rights, and the maximum delay insurance is 5, yuan per year.

4. Bank of China

1. Great Wall Diamond Credit Card of China Bank: 3,6 yuan, 2, points can offset the annual fee, 6: Longteng/year, 2 pick-up and drop-off flights/year, 1 tooth cleaning/year, 1 physical examination/year and 1 road rescue/year.

5. ABC carefree platinum credit card: the annual fee can be exempted, 3 times/year expert outpatient appointment registration, and new households will be given Youaiteng 3-in-1 video annual card.

2. ABC upgraded its mother's credit card beautifully: the annual fee can be brushed off, returned overseas, 1 yuan can be redeemed for the annual cards of six major audio-visual members, and the points can be paid to Meituan takeaway/Ctrip cash.

3. ABC Zunran Platinum Credit Card (Essence Edition): annual fee can be waived, unlimited airport lounge, unlimited road rescue, and Visa platinum rights.

VI. Minsheng Bank

1. Minsheng Elite Platinum Credit Card: 1,8 yuan in the first year (new customers are exempted from the first year for a limited time), 2, points to offset the annual fee of the next year, unlimited LoungeKey (to be cancelled soon), unlimited road rescue, points against rights and interests, and delay insurance;

2. Minsheng JD.COM PLUS co-branded credit card: the annual fee can be waived, and new customers can receive a red envelope from 1 yuan JD.COM, a member of JD.COM PLUS for 2 years.

VII. Bank of Communications

1. Commemorative Edition of the Year of the Ox of Bank of Communications Zodiac Card: the annual fee can be exempted, and the monthly consumption is 5 times, with the upper limit of 88, points per year, 8 times the birthday month, 5 points for new households to receive new household gifts (rice cookers, etc.), a fee-based card face-receiving ceremony (128 yuan for card swiping, etc.), and a new bonus card.

2. Bank of Communications Standard Platinum Credit Card (Bai Qilin): New customers are exempted from the annual fee of 1 yuan for the first year, 6 times in the VIP lounge of Bank of Communications Airport, 6 times in drunk driving, double points for birthday month, 5 times points for birthday day, and the highest delay risk is 1 yuan/time.

VIII. CITIC Bank

1. CITIC IHG Club Co-branded Gold Card: annual fee can be exempted, IHG Club Gold Card can be given, 15% discount on room rate in IHG Greater China, 1% discount on hotel catering, double points for accommodation, 5IHG Club points for the first swipe, 9 sharing activities, and the maximum delay risk is 1 yuan/time.

2. China CITIC Bank HuaweiCard: the annual fee can be exempted, and the consumption reaches the standard, and it will receive 4 high-speed rail VIP rooms at the airport/year, and the limited time HuaweiPay/ Alipay/WeChat transaction pens will be randomly cashed back, with the highest delay risk of 1 yuan/time, watching movies in 9 yuan, and 9 sharing exchange activities.

IX. China Everbright Bank

1. China Everbright Tik Tok Co-branded Credit Card: during the validity period, it is free of annual fee, life-reducing and entry card such as Haidilao/Pizza Hut/Meituan takeaway;

2. China Everbright Mobile CYTS Joint Elite Platinum Card: within the validity period, free of annual fee, one shuttle/year, 3: Longteng/year, automatic redemption of mobile mall points at a ratio of 1:1, and the first gift for new customers.

3. Everbright Filial Piety Excellence Platinum Credit Card: the first year is 3,6 yuan (1, yuan for new customers is exempted from the first year), and 3, points can be used for the next year, 4 pick-up and drop-off/year, 9: Longteng/year, 2 dental cleanings/year, 2 physical examinations/year, 12 appointments/year, 3 times points for offline transactions, and value-added services and points can be * *.

X. China Guangfa Bank

1. China Guangfa Eastern Airlines Intercontinental Tripartite Credit Card: annual fee can be exempted, three points can be accumulated for consumption, six times points can be enjoyed by designated channels, two high-speed trains can be used for a year, 5 yuan can be used for unlimited high-speed rail VIP lounge in the next month, and 18:1 ratio can be exchanged for China Eastern Airlines mileage /IHG points.

2. Guangfa Zunlv Series Card: the annual fee can be exempted, and the new customer's consumption can be cashed back by 1%. The upper limit is 4 yuan, and the mileage of domestic airlines can be exchanged at a ratio of 1:1 and that of foreign airlines at a ratio of 15:1.

3. GDB UnionPay Platinum Card: the annual fee can be exempted and the VIP room of high-speed rail in GDB Airport can be unlimited.

expanding materials

The conditions for applying for a bank loan mainly include the following:

1. The applicant is over 18 years old.

2. The applicant has full capacity for civil conduct.

3. The credit standing of the applicant is good.

4. The applicant provides legal identity documents.

5. The borrower has sufficient repayment ability.

This concludes the introduction of regular credit cards and credit card companies. Did you find the information you need?