The process of going to the bank to apply for a credit card is as follows: first, the applicant needs to queue up, and then fill out a form for applying for a credit card at the filling-in office; Secondly, to the applicant, you need to show your valid identity certificate to the bank and submit the application form and application materials; Finally, the applicant can wait for the issuance of the credit card.
The specific credit card review process includes: submitting an application and inputting applicant information; At the first instance, the electronic system of the bank will evaluate the integrity of the information in the application form and judge whether the applicant meets the hard requirements such as age and income according to the information in the application form; Review, this step is to comprehensively evaluate and sort the applicants. Decide whether to give the applicant a card and how much. After approval, make and distribute cards.
How to check the application progress of credit card: the applicant can directly call the customer service phone of the application bank to check; Applicants can check the application progress in official website, the bank where they apply.
Credit card application:
apply for
In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
check
After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.
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After the applicant successfully applies for a credit card, the issuing bank will open a separate credit card account for the cardholder at the issuing bank for shopping, consumption and settlement after cash withdrawal.
Activate bank card
Because the credit card application is approved by post, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened. Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements.