the process of applying for a credit card and a debit card is different.
when applying for a credit card, you need to bring your valid certificate (ID card or copy of ID card or household registration book or household registration book), proof of residence, proof of unit income or proof of personal assets, and go through the relevant formalities at the bank counter. You need to fill out an application form, in which the information required is true.
after filling out the application form, you should go to the head office of the bank for filing. After the head office of the bank reviews the application materials, it will take about 2 working days to issue the card to the customer.
Credit cards are only available to customers aged 18 or above, and minors are not allowed to apply for credit cards.
it is relatively simple to apply for a debit card. You only need to bring your valid certificate (ID card or household registration book) and fill out the application form at the account opening bank, then you can issue the card to the applicant.
there is no age limit for applying for debit cards, and minors can also apply for them. When a customer under the age of 16 applies for a debit card, the guardian shall go to the counter of the bank branch with the household registration book (if it is not on the same household registration book, relevant certificates shall be provided), and the person to be handled may not be present; Minors who have reached the age of 16 but under the age of 18 can go to the bank counter to apply for debit cards by themselves with their work certificates and ID cards if they have already taken part in the work. If they have not taken part in the work, they still need the assistance of their guardians, and the person being handled may not be present; Handlers who have reached the age of 18 or above can apply for debit cards directly with their ID cards at the counter of bank outlets or at the all-in-one self-service card handling machine, and they can get them immediately.
reporting the loss of a bank card
The reporting procedures of major banks are different. If you lose it, you can report it temporarily by telephone or online banking, and then bring your ID card and other supporting materials to the bank counter to report the loss.
Precautions
1. When entering the password, be careful to block it by hand. If there is any abnormality in the password protection cover and card entry protection slot of ATM, do not use it for safety reasons, and inform the bank immediately;
2. In order to prevent fake ATMs, customers should try to choose self-service banks with obvious signs and use ATMs under the video surveillance of banks;
3. It is best to store the bank card and ID card separately. Don't lend the bank card to others, and don't disclose the card number and password of the bank card at will.
4. When spending by credit card, don't let the bank card leave the line of sight, pay attention to the number of times the cashier swipes the card, and when you get the purchase slip and the card, check whether the amount on the purchase slip is correct and whether it is your own card;
5. Open the SMS service, keep abreast of account changes, and call the bank to report the loss once abnormal transactions are found;
6. If you suspect that the funds have been stolen, you should immediately call the customer service phone of the bank and report the loss of the bank card account in time.
7. Bank cards should not be placed with mobile phones, televisions, stereos, microwave ovens and other electrical appliances with strong magnetic fields. It is better to put them far away. Don't put multiple bank cards and passbooks together.
8. Try to separate cards with pieces of paper to play a role in spacing.
9. You can use a special bank card sleeve or anti-magnetic card package.