Question 1: How do individuals apply for a credit card, ID card and a copy of the ID card (both front and back) in person, because they need to sign and collect personal images

You need to save some money to open a new account , 10 yuan is enough

Pay attention to the bank’s office hours, from 9 to 5

If you want to use online banking in the future, tell the office staff to activate the online banking function, so you don’t have to come back in the future It’s a trip

What you need to prove your income is to apply for a debit card, which is a card that can be overdrafted. Your credit rating depends on your income. The higher the rating, the higher the overdraft limit

Rural Credit Cooperatives do not charge fees for intra-provincial remittances, but there is an annual fee; Bank of China is more convenient (especially those who like to use online banking, generally support Bank of China’s online banking), and there is no fee for opening online banking; Agricultural Bank of China is also available , there will be USB when using online banking, there are handling fees for long-distance remittances, etc. You can go to Baidu for this, there are many banks

Question 2: How to apply for a personal credit card now? I can only tell you that at ICBC Application method: 1. Original ID card and its copy 2. Fill in the credit card application form (fill in your personal information in the front, and fill in two contacts in the second half. You can fill in relevant information and contact information of your friends) 3. The unit issues your income certificate and stamps it with its official seal. 3. Submit it to the bank staff. 4. It usually takes about 15 days to complete the process. The bank will notify you to collect your ID card.

Question 3: How do individuals apply for a credit card? What are the requirements or conditions? Hello, the most important conditions for applying for a credit card are to be between 18 and 60 years old, with a stable job and income. The necessary application documents are a copy of your identity certificate and a work certification document. If you can provide other financial documents, we will update it. It helps us understand your personal situation and determine your credit limit. Detailed application materials are as follows: 1. Proof of identity: usually an ID card (if you are using a new version of the ID card, a copy of the front and back sides is required), military personnel need to provide a copy of the military ID card; 2. Proof of employment: it can be issued by the unit where you are employed. Original work certificate (please indicate the specific company name, department, position and income, and add the company seal or personnel seal), or a copy of the original work certificate/plate that has been verified by the promoter and marked; 3. Proof of financial resources : It can be salary records issued by banks, or income tax withholding vouchers, or documents proving the market value of houses, cars, deposits and investments (such as copies of real estate certificates/car driving licenses/bank time deposit certificates) and other information that can prove your financial level. . Other documents available for reference include: social security personal account list in the past six months, water and gas bills, credit card bills from other banks, etc.

Question 4: How to apply for the personal credit card business currently implemented? Because credit cards have overdraft functions, which means that you can use the card to make purchases even if there is no money in the card, so not everyone can apply for a credit card, and banks will only Credit cards are issued to people they believe are of good faith. Check to see if you meet the bank's requirements for issuing credit cards: 1. Be between 18 and 65 years old; 2. Have a stable career and income; 3. Have good credit and the ability to repay loans and interest on time; 4. , natural persons with full capacity for civil conduct (robots, vegetative persons, minors, and mental patients to a certain extent are not allowed). If you have not met the conditions for applying for an ordinary credit card, you can apply for an additional card through your parents or spouse. To apply for an additional card, you must meet the following conditions: 1. A natural person with full capacity for civil conduct or limited capacity for civil conduct 2. Over the age of 13 Age 3. Applicants for supplementary cards who are under 16 years old must provide a copy of their household registration book when applying. In addition: some cards are not available to everyone and have some special requirements for cardholders.

For example: China CITIC Bank Magic Credit Card can only be applied for by women. Here are two tips for successfully applying for a credit card. In the first few years when credit cards were first promoted, various banks expanded regardless of cost efficiency in order to seize the limited credit card market. It has led to the great development of the entire credit card business, but it has also caused a mixed bag of good and bad credit card holders, resulting in many dormant cards and old cards, laying hidden dangers for banks' bad debts. Now, with the strengthening of bank risk awareness and improvement of risk control, credit card approval has become more and more strict, especially for those who apply for a credit card for the first time or apply for a high-limit card, many people have received bank rejections , so how can you ensure that your application will be approved smoothly? First of all, various asset certificates must be fully prepared. Generally speaking, if you already have one or more credit cards and have a good repayment record, you generally do not need to provide proof of income or assets. You only need to copy the credit cards you already own when applying and attach them to the application form. Just send it (even if the credit card you have is not the card of the bank you are applying for, it is OK, because each bank can check your credit status through the personal credit information system of the Central Bank. Good consumer credit and repayment credit are the most important things for banks. valued). If you are applying for a credit card for the first time, because you do not have any consumer credit history, the bank mainly relies on your various income and asset status to decide whether to approve the card for you and the size of the credit limit. Generally speaking, if you are applying for a credit card for the first time, the limit will not be too high unless you can provide sufficient proof of assets, such as income proof, house ownership certificate, mortgage purchase certificate, car title certificate, bank deposit certificate or Securities certificates, etc. Of course, in addition to asset certificates, other certificates that can prove your personal abilities will also help you obtain high-limit credit cards, such as academic certificates, technical level certificates and other qualification certificates. Secondly, fill out the application form carefully. Generally speaking, the following aspects on the application form will affect the bank's credit evaluation score (the higher the credit score, the higher the chance of obtaining credit card approval, and the higher the limit): 1. Whether there is a landline in the city Number (having a fixed phone number in this city means that your place of residence is stable, which will increase the bank’s credit evaluation score); 2. Whether you are married (the score of married is higher than that of unmarried); 3. Whether you have a household registration in this city (this city The score of household registration is higher than that of registered residence in other places); 4. Whether there is a house (the score of owning a house is higher than that of not having a house, and the score of self-living is higher than that of living with parents); 5. Educational level (the higher the education level, the higher the score) ; 6. Nature of the work unit (the more stable and well-known the work unit is, the higher the score. For example, government institutions, large state-owned enterprises, and Fortune 500 companies all have higher scores, while unknown private companies and small foreign companies have lower scores) ; 7. Position status (the higher the position, the higher the score. For example, civil servants and company managers score higher than ordinary employees) Four major state-owned commercial banks: China Construction Bank: Advantages: 1. The first-year annual fee is waived, and it is waived for three brushes. The annual fee for the following year; 2. The SMS service is free; 3. The cash withdrawal fee is only 0.5; 4. The loss reporting fee is 50 yuan; 5. There are credit cards directly targeted at car owners, and anyone with a car with an engine capacity of 1.4 or more can easily apply for the card .

Disadvantages: The gifts that points can be exchanged for are few and inferior to those of Bank of China: Advantages: 1. The first-year annual fee is waived, and the annual fee for the next year is waived if you swipe five times; 2. The SMS service is free; 3. The cash withdrawal fee is only 1; ... ...gt；gt;

Question 5: How much does it cost to apply for a credit card from a private person? Don’t ask a private person to apply for a credit card.

A credit card refers to a credit loan issued by a bank. If you ask a private person to apply for a credit card, You apply for it

With your information, he can help you apply for a credit card from Bank A for you to use. At the same time, he will apply for BCD and other bank credit cards for his own use. However, these debts are all yours and have nothing to do with him. There are many things like this in banks. Whose ID card is responsible?

Question 6: What is needed to apply for a personal credit card? Documents required by Industrial Bank:

(1) Documents that must be provided

1. Identity documents

Domestic residents: a copy of the applicant’s identity certificate or Copy of military ID.

Overseas residents: (A and B must be provided at the same time)

A. Hong Kong and Macao residents provide a copy of their return home certificate, Taiwan residents provide a copy of their pass, and other foreigners provide their passports a copy.

B. Copy of domestic residence permit or temporary residence certificate

2. Work certificate and receipt certificate

A. Work certificate: work permit or work identification card Copy or original work certificate stamped with the official seal of the unit.

B. Income certification documents: salary records issued by banks in the past three months (copies of salary card statements) or copies of personal income tax withholding vouchers or original income certificates issued by the unit.

(2) Other supporting documents (please provide as much as possible to help increase your credit limit)

Educational background, professional titles, professional qualification certificates, self-owned real estate certificates, self-owned cars Driving license, copy of Industrial Bank time deposit receipt, any original receipt for the telephone, water, electricity and gas bills of the current place of residence in the past three months, other bank credit card certification documents (original statements of the last three periods), etc.

Note: If the supporting documents are copies, please use A4 copy paper.

Documents required by Guangdong Development Bank:

1. Your (primary and supplementary card) identity documents [such as: Chinese resident ID card, military ID, passport, etc.].

2. Proof of residence [any bill for water, electricity, landline phone bill, etc. in the last month - must be in your name].

3. Salary passbook for the last three consecutive months [the passbook must include the first page, account number and name can be clearly identified].

4. In order to make a more objective and accurate assessment, please feel free to provide: □household registration book, □real estate certificate, □driving license, □education certificate, □professional certificate, etc.

Supporting documents required by Shanghai Pudong Development Bank:

1. Copy of your/supplementary card applicant’s Chinese identity document

2. Residence certificate (Any bill of water, electricity, coal, telephone bills, etc. in the last month - must be in your own name) Please provide any one of the following three income certificates:

1. The most recent consecutive Three months of bank statements or passbooks showing salary income (bank statements/bank books must include the first page to show account number and name)

2. Personal income tax returns for the last three consecutive months

3. Original income certificate issued by the unit

If you are willing to provide more financial proof, you can provide the following documents:

1. Owner-owned house property ownership certificate 2. Our Bank’s Savings Deposit Voucher

Documents required by the Industrial and Commercial Bank of China:

1. Copy of the primary card and supplementary card applicant’s ID card (necessary). Identity documents refer to one of the resident identity cards, military officer certificates, Mainland Travel Permits for Hong Kong and Macao residents, Mainland Travel Permits for Taiwan compatriots, and foreign passports.

2. Work certification documents, such as a copy of the work certificate, the original work certificate issued by the work unit, a copy of the professional qualification certificate, and a copy of the professional title.

3. If you provide a copy of the ICBC "Elite Financial Management Fund" account or a copy of the graduation certificate and degree certificate of a master's degree (inclusive) or above, it will speed up your card application process. Applicants who work in companies (enterprises) are generally required to provide documents proving their own real estate (copies of their own real estate certificate, public housing lease agreement or public housing purchase agreement, housing loan contract, etc.).

4. In order for your application to be processed as soon as possible and to have an accurate credit limit, please provide the following financial support documents, such as bank salary records, income certificates issued by the unit, income tax withholding certificates, Copies of your own car driving license, our bank's time deposit receipt and other information.

Supporting documents required by Shenzhen Development Bank:

1. Required information:

1. Copies of the primary card and supplementary card applicant’s ID card , the bank checks the original.

2. Work certification documents (choose one from each of the following): copies of work certificates, work certificates issued by the unit, professional titles, professional qualification certificates and other materials.

3. Proof of address (please provide one from each of the following): the latest payment bill for landline phone, home address water, electricity or gas bill, etc.

2. Providing the following financial proof documents will help speed up the approval process and increase the credit limit

1. Income proof documents (optional documents listed below): issued by the bank Copies of salary records, income certificates issued by the unit,

our bank’s time deposit certificates, income tax withholding vouchers, etc.

2. Housing certificate (the items listed below are optional): copies of self-owned real estate certificate, self-owned housing mortgage down payment voucher and other information.

3....gt;gt;

Question 7: My friend applies for credit cards privately for others, and I don’t know how he makes money. Find the credit card clerks of various banks, which is equivalent to being their ***, calculating the commission with them, and then taking the information to others to help others with credit cards. After the card is approved, the money can be calculated. It's okay to do this. It will not harm others, nor will it violate the law.

Or maybe it’s a bit hacky, and day after day, someone else fills in the information for a card, and you sell the information to credit card clerks at other banks to calculate the money. Although it is a bit unethical, the credit card can be canceled without using it!

Haha, it’s up to you!

Question 8: How to open a credit card? What are the requirements? You need to apply at a bank branch. Application generally requires ID card, work permit, social security card, personal salary and income certificate (which needs to be issued by the financial department of the company where you work), bank deposit certificate (check and print at the deposit bank counter), etc. And fill in the credit card opening application form.

After the bank receives your card opening application, it will review the information you filled in the application form within a week and half a month, and at the same time check your Personal credit status and scoring. Only if the score passes will the card be issued to you, and the card will be mailed to the mailing address you filled in the credit card application form.

Question 9: How can an individual apply for a credit card as an agent? The customer's information is safe. It is recommended that you apply through the channels provided by the bank. 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 result of credit card application shall be subject to actual review by our bank. The necessary application documents are copies of identity certificates and employment certification documents. If you can provide other financial documents, it will be more helpful for us to understand your personal situation and determine your credit limit.

If you meet the application conditions for a China Merchants Bank credit card, you can try to apply for a China Merchants Bank credit card through the following methods: 1. Online application: please click ccclub.cmbchina/ccproduct/newcustomer.aspx; 2. Please bring your original identity document, employment certificate and financial certificate Documents must be processed in person at any branch of China Merchants Bank. 3. You can add "China Merchants Bank Credit Card Center" as a friend through WeChat and click "I want to apply for a card" to apply. 4. Call our credit card customer service hotline, select "3#" in the voice message to apply for credit card consultation, then select "1" to transfer the service specialist to register for you, and notify our local staff to contact you to confirm the application. The result of credit card application shall be subject to actual review by our bank.

Question 10: How to apply for a credit card as a private person? The prerequisite is that you are at work, or you can apply for a card in the name of an employee of a company or agency. (As long as the person who answers the phone admits that you work there when you call)

Look at the information below again

Nowadays, there are many ways to apply for a card, such as card, room, Car, income certificate, social security, education (bachelor's degree from Bank of Communications, China Merchants Bank, Industrial Bank, China Everbright University)

If your unit has social security, you only need to give the salesperson a copy of your ID card. The bank will print your social security statement from the Social Security Bureau website.

ICBC’s credit limit is average. I recommend the Bank of Communications. I worked at the Bank of Communications Card Center years ago. The credit limit is okay, and applying for a card is easy.

Current bank credit card rankings

1: Bank of Communications

2: Investment Promotion

3: CITIC

4: 4 state-owned banks

5: Everbright, Minsheng, Industrial Bank, Shanghai Pudong Development Bank, Shenzhen Development Bank, etc.