how do I get a credit card when I go to the bank?

The specific process for banks to handle credit cards is as follows:

1. You can apply to the bank if you have reached the age of 18, hold a valid ID card and have no bad credit record.

2. Bring your ID card, proof of income and other related materials to the bank outlets, collect and fill in the application form, and submit it to the bank together with the proof materials for review.

3. The bank will comprehensively verify your salary, assets and personal credit, and give the credit card limit.

4. The bank will send the credit card to your reserved address or pick it up at a bank outlet after checking it.

5. activate the credit card after you get it, and you can use it.

Classification of credit cards:

Credit status

According to the credit status of cardholders, they can be divided into ordinary cards and gold cards

(1) Ordinary cards. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and their requirements are not high.

(2) Gold card. Gold card is an advanced credit card that pays high membership fee and enjoys special treatment. Card issuers are those with high credit, strong repayment ability and credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are much wider, so the requirements for related service fees and guarantee money are also higher.

payment method

according to different payment methods, credit cards can be divided into credit cards and quasi-credit cards

(1) credit cards. It is that when the issuing bank provides bank credit, it overdraws first, and then repays or pays by installments. Most of these cards are used in international circulation. That is to say, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used in international circulation.

(2) quasi-credit card. It refers to a credit card in which the cardholder must first deposit a certain amount of reserve fund according to the requirements of the issuing bank. When the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank, but the overdrawn part will be charged with interest from the day of overdraft and will not enjoy the interest-free period (quasi-credit card does not need to pay the reserve fund).

Circulation scope

According to the different circulation scope of credit cards, they can be divided into international cards and regional cards

(1) International cards. International card is a kind of credit card that can be used outside the issuing country and is universal. MasterCard, VISACard, AmericanExpressCard, JCBCard and DinersClubCard issued by five overseas groups (MasterCard, Visa International, American Express, JCB Card and Diners Club Card) are mostly international cards.

(2) regional card. Regional card is a kind of credit card that can only be used in the issuing country or in a certain area. Most of the credit cards issued by China Commercial Bank belong to regional cards.

how to apply for a credit card?

the first credit card application method is: the applicant applies directly at the bank counter. If you apply in the bank, you must fill in the information directly. There are bank staff on site who can guide me to fill in the relevant information, which can avoid the problem that we are rejected because of the wrong information. At the same time, we can issue more qualification certificates and wealth certificates, which is conducive to improving our final credit card quota. However, it will be relatively slow to review the credit card at the bank counter, because you have to report the information from the branch to the credit card center, and then the card center will review your information. Another way is to apply for a card online: nowadays, we can apply for a credit card in official website, but this way of applying for a credit card online is that we have to fill in the information ourselves, which is more likely to lead to the problem of wrong information filling, and thus it will be rejected. But online processing is mainly convenient without going out, as long as a mobile phone or a computer can apply for it. There is also a way to handle credit cards: through the bank's credit card salesman to handle credit cards. We can often see these bankers setting up stalls to sell credit cards in shopping malls or other shops. This way of handling cards is to receive prizes, but because they are all business personnel, the main purpose is to obtain performance, so we still have to weigh carefully some things that guarantee a high amount and ensure the issuance of cards, and we should not trust them too much. The process of handling a credit card 1. Prepare the application materials. 2. After the materials are ready, you can apply to the bank or make an appointment online. 3. Then wait for the bank's approval. During the approval process, the bank will call the applicant to verify the information. 4. After the approval, the bank will mail the card to the applicant, and get the card about 3 weeks after successfully submitting the information. "Legal basis: As a civil act, credit card business has been stipulated in principle by the General Principles of Civil Law, Contract Law, Criminal Law, People's Bank of China Law and Commercial Bank Law. In Chapter 5 of the Law of China People's Bank, the People's Bank of China examines and approves the establishment, alteration, termination and business scope of financial institutions according to regulations. Article 3 of "Commercial Bank Law" has 13 items in the business scope, and the credit education business belongs to other businesses approved by the People's Bank of China in Item 13. Violation of laws and regulations is invalid, and it is subject to corresponding criminal responsibility.

credit card processing flow

The process of processing credit cards is as follows:

1. Processing credit cards at bank outlets.

(1) Go to the bank to fill in the credit card application form and submit personal certificates and other application materials. The application form should include all information such as income and position.

(2) waiting for bank approval. In the credit card review stage, users can go to the bank official website to check the progress of credit card application.

(3) After the approval of the bank, the credit card will be sent to you by express delivery. If the audit fails, you will also receive information sent by the bank.

2. apply for a credit card through the Internet.

(1) Click "Credit Card" on the official website App of the Bank to enter.

(2) Click "Handle Card" after entering.

(3) Select the type of credit card you want to apply for and click "Apply Now". Fill in and perfect personal information as required, and submit it.

(4) Wait for the bank's approval, and wait for the bank to send it by express mail after the approval.

a CreditCard is a credit certificate issued by a commercial bank or a credit card company to a qualified consumer.

a credit card is a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the specified limit.

The function of credit card:

1. It is convenient for people's life and saves the trouble of carrying cash. Moreover, there is no geographical restriction in using credit card. No matter where you swipe your card in China, you can swipe it as long as you have the UnionPay logo, and there is no handling fee;

2. Be able to participate in various discount activities in cooperation between merchants and banks;

3. The points earned by credit card spending can be exchanged for gifts;

4. Repayment in time after swiping the card will enhance the credibility of personal banks.

Use of credit card:

1. Shopping.

2. Microfinance.

3. save money.

4. Save money by shopping.

5. Value-added services of credit cards to obtain cheap insurance and travel.

6. Credit certificate.

Cash withdrawal methods for credit cards are as follows:

1. Counter cash withdrawal:

Cardholders can take their credit cards to any bank counter, apply to the staff for cash withdrawal, and then enter the withdrawal password with their help to withdraw cash.

2. Cash withdrawal by binding cards:

Cardholders can bind their credit cards with a peer savings card in credit card online banking, and then transfer the credit line to the savings card, and then use the savings card for consumption. This behavior is also called cash withdrawal.

3. ATM cash withdrawal:

Insert the credit card into the ATM, enter the payment password of the credit card, select cash withdrawal, then enter the cash withdrawal amount, and finally confirm.

the ways to repay money by credit card are:

1. repayment by ATM. Cardholders can go to the ATM of the bank to make a card deposit, and depositing money into the credit card means paying back the money.

2. repayment by mobile banking. All major banks have mobile banking software, which can repay credit cards after being installed on mobile phones.

3. Alipay repays. There is a credit card repayment function on Alipay. Click "Credit Card Repayment" on the homepage, and you can repay after binding the credit card.

4. wechat repayment. There is a credit card repayment function on WeChat. Click "I"-"Pay" to see the "Credit Card Repayment" function.

5. repayment at the bank counter. Cardholders can go to bank outlets with credit cards, ID cards and cash, and handle credit card repayment business at the counter.

process of applying for a credit card

process of applying for a credit card: 1. prepare application materials. 2. After the materials are ready, you can apply to the bank or make an appointment online. 3. Submit the required information and wait for the approval of the bank. During the approval process, the Bank will call the applicant to verify the information. 4. After approval, the bank will mail the card to the applicant, and get the card about 3 weeks after successfully submitting the information.

legal basis

article 34 of the measures for the administration of credit card business, when applying for a credit card, a unit or individual shall fill out an application form and submit it to the issuing bank together with relevant materials. For those who meet the requirements, the issuing bank will open a credit card account for the applicant and issue a credit card.

credit card processing procedures

1. Application

In most cases, citizens with full capacity for civil conduct (citizens aged 18 or above in Chinese mainland) who have certain direct financial resources can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

2. Review

After receiving the application form and relevant materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the review mainly include whether the contents of the application form are true or not, evaluating the credit degree of the applicant, and reviewing the relevant information of the guarantor for the individual.

3. Card Issuing

After the applicant successfully applies for a credit card, the card issuing bank will open a separate credit card account for the cardholder at the card issuing bank for shopping, consumption and settlement after cash withdrawal.

4. Card opening

Since the card is sent by post after the credit card application is approved, there is no guarantee that the recipient is the applicant. In order to protect the applicant and the bank from theft, the credit card has a card opening program before it is officially opened. Card opening is mainly through telephone or internet, etc., to check the relevant personal information provided at the time of application, and complete the card opening procedure after it meets the requirements.

at this time, the applicant becomes the card holder, and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card. After accepting credit cards, credit card merchants or banks should review the validity of credit cards and the identity of cardholders.

Extended information

First of all, the credit card is not the private property of the cardholder, but is "borrowed" by the cardholder with "credit" as the guarantee. Only when the card issuer judges that "this person can be trusted" (specifically, he has repayment ability) according to these conditions can the credit card be issued. Secondly, it is necessary to clarify the significance of signing the bill.

Signing means acknowledging that "the loan I bought today must be paid, and now I will take the goods I bought first", which means that I will absolutely keep my promise. The credit card system was introduced from Europe and America. There is a concept of contract here. Signing is to acknowledge the terms of the contract.

Baidu Encyclopedia-Credit Card Credit

Baidu Encyclopedia-Credit Card

So much for the introduction of the bank's credit card processing process.