How to apply for a credit card?

Credit card application is generally completed by filling in the credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank.

After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph. Credit cards are usually only used by the cardholder himself, and lending them to others is generally a violation of the use contract.

In the following circumstances, credit card applicants should be strictly examined to strengthen risk prevention and control. Before increasing the credit card limit of students, the issuing bank must obtain the written guarantee materials from the second repayment source (parents, guardians or other managers) that it agrees and is willing to repay on its behalf. A commercial bank shall formulate a management system for student credit card business according to the principle of prudence, and evaluate, calculate and reasonably determine the first credit line of its student credit card and the highest credit line adjusted according to the card usage according to the actual situation of business development. Student credit cards are not allowed to be used beyond the limit.

What does the annual credit card fee mean?

The annual credit card fee refers to the fee that needs to be paid to the bank during the use of the credit card. Generally, the annual credit card fee starts after the cardholder activates the credit card and is charged annually. The annual fee policy of each bank is different, and the money collected is different. The annual fees of different banks are slightly different, and the annual fees paid by different card types and different card levels of the same bank are also different.

Under normal circumstances, credit cards can be exempted from the annual fee for the first year, and the annual fee can be reduced or exempted after swiping the card for a certain number of times or a certain amount. The relatively low standards are the standard cards of China Construction Bank and China Everbright Bank. As long as cardholders swipe their cards three times a year, they can be exempted from the annual fee for the following year.

In the annual fee-free policy of banks, the words "the first year" and "the second year" are generally involved, but the timing start time of each bank is different. If the cardholder does not use the card in the first year after applying for a credit card, and opens the card in the second year, it is likely to charge the annual fee directly, because according to the bank's timing rules, the cardholder's "first year" does not reach the number of swipes or the amount of swipes.