How to apply for a credit card in a group at work

Applying a credit card in a group can increase the rate of card application. For this reason, many friends want to apply for a card in this way, but they don’t know how to do it. . In fact, it is very simple to apply for a credit card as a group. You only need to find three colleagues to form a group, and then call the salesperson to come to the unit to apply for the card. Let’s learn about it together.

1. How to apply for a group credit card

The credit card salesperson must go to the unit to handle the business, and then apply for the credit card under the personal guidance of the salesperson. However, not all banks have the service of door-to-door card application by salespersons. You can consult first before choosing which bank to apply for a credit card.

It should be noted that group-issued credit cards need to meet three requirements:

1. The applicant has never applied for a credit card from the bank: once the person participating in the group-issued credit card has previously Anyone who has applied for a credit card from the bank cannot be considered as a group sponsor. Before applying for a card, you must find out whether the colleagues participating in the group program have already applied for a credit card from the bank.

2. Applicants must have been employed for three months: The prerequisite for applying for a credit card is to have a stable income. Usually, those who have been employed for less than three months and are still in the probation period are not eligible for group management. Credit card required.

3. Applicants must bring their ID cards: Whether applying for a credit card by yourself or as a group, ID cards are indispensable, so you must have your ID cards ready before the salesperson comes to your door.

2. Will the group apply for a credit card?

Generally speaking, group-issued credit cards are basically very reliable. This is because group-issued credit cards can increase the applicant’s personal credibility and make the bank think that the applicant is relatively stable. In addition, he has a fixed job and an income. If it's not bad, it will be easier to apply.

As for the benefits of group application for credit cards, it is said that with the same qualifications, the success rate of group application is 30% higher than that of individual applications, and the limit is also much higher.

However, a group-issued credit card will definitely be successful, because a credit card is a guarantee-free and mortgage-free credit product, so banks must conduct strict review before issuing a card. Banks will refuse to issue cards to those who do not meet the qualifications.

What should I do if I work in a factory and want to apply for a credit card

What should I do if I work in a factory and want to apply for a credit card

Application location: 1. Local bank branch; 2. Staff at the local bank’s credit card center; 3. ICBC and China Construction Bank support official website applications.

Application conditions: 1. Be at least 18 years old; 2. Have stable repayment ability.

Submit proofs: 1. ID card; 2. Proof of employment or income; 3. Work phone number, home phone number and personal mobile phone number; 4. Proof of tax payment; 5. Proof of property, vehicles and other assets under your own name; 5. Other bank credit cards, etc. Each bank has different standards for importing documents, so not all of the above information is required. It depends on the bank's requirements. Proof of employment or income is very important.

In order to control risks, banks attach great importance to the repayment ability of the cardholder. The information you submit will make the bank feel that you have sufficient repayment ability. The stronger the repayment ability, the easier it will be for the bank to issue the card.

First find a credit card salesperson or lobby teller to fill out an application form. The other party will probably approve the card based on your conditions, so they will usually ask you to fill in the application form. After filling in the form, you will have hope, and then submit the above information, etc. The bank's approval, whether to approve the card and the card limit, depends on the bank's overall score for you. Good luck to you! Please accept the answer and support me

Can I apply for a credit card if I work in a newly opened chemical factory? Will it pass?

Yes, you can apply for a credit card with proof of income, property, and employment.

Bank credit card application conditions:

①. Age requirements: Domestic residents must be between the ages of 18-65, and foreigners must be between the ages of 25-65;

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②. Job requirements: Have a stable workplace, income and fixed residence;

③. Credit requirements: No bad credit record. Applicants for supplementary cards must be the parents, spouse or children of the primary cardholder and be between the ages of 16-65.

Bank credit card application materials:

①. Identity proof information:

Copy of resident ID card or military officer ID card; if you are a compatriot from Hong Kong and Macao, you need to provide a copy of your identity card A copy of the mainland pass and proof of residence for more than one year; if you are a foreigner, a photocopy of your passport and proof of residence for more than one year is sufficient.

②. Proof of work and income:

Salary proof or business card or badge with photo.

Proof materials that can prove good financial strength: photocopy of real estate certificate, photocopy of car driving license; photocopy of bank loan account (good credit, overdue not more than 60 days) or deposit certificate.

I work in a small factory, have no social security, and have a monthly income of 2,000. I want to apply for a CCB credit card. What should I do?

Not as mentioned above, the following documents are required: proof of identity, proof of income (stamped with the company’s official financial seal); or an identity proof work badge. Hope it will be adopted

I work in a state-owned enterprise and want to apply for a credit card. What are the requirements?

Generally, the following points are required:

1. Over 18 years old.

2. Have a fixed occupation and stable income, and the workplace is usually in the place of permanent residence. of urban and rural residents.

3. Fill out the application form and sign in the "Applicant's signature" area.

To apply for a credit card, you need to provide the following information:

1. Photocopy of identity document, work certificate, income certificate, etc.

2. If you can also provide bank deposit receipts, real estate certificates, degree certificates, etc., your application approval process will be more convenient and faster.

3. If you have a foreign registered permanent residence, are an overseas personnel applying for a local job, or are an active-duty military officer applying for a credit card in your own name, some card-issuing banks may require you to present a temporary account issued by the local public security department or a relevant Certificate issued by the department (including work certificate).

4. Other conditions required by each card issuing bank.

! You don’t need to provide proof of real estate!

Is it easy to get a credit card when I work in the factory?

It is easy. In this case, as long as the factory gives you a salary certificate, you can show your salary certificate and your identity. Please go to the bank business hall to apply for a credit card with your certificate and other documents

I work at Huangpu Shipyard and want to apply for a credit card

If you meet the application conditions for a China Merchants Bank credit card, you can try to apply. The most important requirements for applying for a China Merchants Bank credit card are that you are between 18 and 60 years old (25 to 60 years old for foreigners), have certain financial capabilities and have a good credit record. The credit card application result shall be subject to our bank's actual audit. The necessary application files are a copy of your identity certificate and employment certificate. If you can provide other financial proof files, it will be more helpful for us to understand your personal situation and determine your credit limit.

If you are interested in a CMB credit card and have never held a credit card from our bank, you can apply in the following 4 ways:

1. Please log in to the credit card website and select "Apply" "Credit Card" - "New Customer Application";

2. Please bring your original identity certificate, employment certificate and financial certificate files and go to any branch of China Merchants Bank to apply in person;

3. You can also call the customer service hotline, select "3#" in the voice message to apply for credit card consultation, and then select "1" to transfer the service specialist to register for you and notify our local staff to contact you to confirm the application.

4. If you have applied for the professional version of our bank’s online banking, you can apply through the professional version.

Remind you that the credit card status will be subject to the final audit result.

Why are you not allowed to apply for a credit card when working in a factory?

Can I apply for a credit card in the name of the company? What procedures are required?

Yes. 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. However, applying for personal credit card products cannot be done in the name of the company. However, when applying for a credit card, you need to fill in the name of your current employer and submit a certificate of employment or income issued by your employer with an official seal.

Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual 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.

Extended information:

According to the "Notice on the Issuance of the "Credit Card Business Management Measures"":

Article 33: Any person in the People's Republic of China *** Organizations that open basic deposit accounts with domestic financial institutions can apply for organization cards.

Several unit cards can be applied for, and the cardholder's qualifications shall be designated and canceled in writing by the legal representative of the applying unit or his authorized agent.

Citizens with full capacity for civil conduct can apply for a personal card. The main cardholder of a personal card can apply for supplementary cards for his spouse and relatives over the age of 18. There must be no more than two supplementary cards. The main cardholder has the right to request the cancellation of his supplementary cards.

Article 34 When applying for a credit card, an organization or individual should fill in the application form in accordance with the regulations and submit it together with the relevant information to the card-issuing bank. For those who meet the conditions, the card-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 and deposited from the basic deposit account. Cash shall not be deposited, and funds from other deposit accounts and sales revenue shall not be deposited into the unit card account.

The funds in a personal card account are limited to cash deposits held by the individual or transfers from salary payments and other legitimate personal income. It is strictly prohibited to transfer funds from the company into personal card accounts.

Article 36 Credit cards can only be used by the legal cardholder himself, and the cardholder is not allowed to rent or lend the account.