How to apply for a credit card

The first way to apply for a credit card is: the applicant goes directly to the bank counter to apply. If you apply at a bank, you must fill in the information directly. There are bank staff on site who can guide me in filling in the relevant information, which can avoid the problem of being rejected if the information is filled in incorrectly. At the same time, we can issue more qualification certificates and wealth certificates, which will help increase our final card purchase limit. However, the credit card review process at the bank counter will be relatively slow, because the information must be reported 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, when applying for a credit card, we can apply for it on the official website of the credit card. However, when applying for a credit card online, we have to fill in the information ourselves, which makes it easier to fill in the information incorrectly. was dismissed. However, online application is mainly convenient and you don’t have to go out. You only need a mobile phone or a computer to apply. There is another way to apply for a credit card: that is to apply for a credit card through the bank's credit card clerk. We often see these bank staff setting up stalls in shopping malls or other stores to promote credit card applications. This method of applying for a card allows you to receive prizes, but since they are all business personnel, their main purpose is to obtain performance, so we still have to carefully consider things that guarantee a high limit and ensure the card is issued, and not to believe too much. The process of applying for a credit card 1. Prepare the application materials. 2. After the materials are ready, you can go to the bank to apply 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 is passed, the bank will mail the card to the applicant. It will take about 3 weeks to get the card after successfully submitting the information. "Legal basis: Credit card business is a civil act. The General Principles of Civil Law, Contract Law, Criminal Law, People's Bank of China Law, Commercial Bank Law and other laws have principled provisions on credit card business. Chapter 5 of the "People's Bank of China Law" states that the People's Bank of China examines and approves the establishment, change, termination and business scope of financial institutions in accordance with regulations. Article 3 of the "Commercial Bank Law" has 13 items in its business scope. Credit goes to school. Businesses that fall under item 13 and are approved by the People's Bank of China are invalid and subject to corresponding criminal liability.

How is Bank of China's credit card application approved?

Bank of China credit card approval rules:

Bank of China will determine whether you meet the card application conditions based on the personal financial certificate and comprehensive credit status you submitted when applying for a credit card. In the end, please submit the actual The approval result shall prevail.

The above content is for your reference. Please refer to the actual business regulations.

If you have any questions, please consult Bank of China online customer service or download and use Bank of China mobile banking. APP consultation and processing related services.

How to apply for a credit card?

If users apply for a credit card, they must first meet the credit card application conditions. Generally, credit card applicants need to be over 18 years old. After these basic conditions are met, such as having full civil capacity, good personal credit, and stable job and income, users can apply through the following steps. Methods: 1. Apply at the bank counter. When applying for a credit card, users can bring their ID card to the counter of a local bank branch to apply. During the application process, bank staff will also be there to guide you. , which is helpful for users to apply for a card.

2. Online application. Users can also apply online at home. After entering the bank's official website, they can find the credit card service page and fill in the form. After providing the information, you can apply, which is very convenient.

3. Apply for bank mobile booths. In order to carry out their own credit card business, many banks often set up bank mobile booths in subways, stations or schools. Users can also apply for stalls in this way.

It is almost similar to a bank counter. Applicants only need to follow the staff's instructions and fill in the information.

When applying on the website, be sure to choose the official website. After all, it involves your own detailed information, so it is better to be cautious

How to apply for a credit card?

The credit card processing method is as follows:

1. Prepare materials. When you go to a bank to apply for a credit card, you must first prepare the corresponding application materials, which generally include original ID cards, work certificates, income certificates, etc.

2. Go to the bank to get the number. After you prepare the information, you need to choose a bank outlet you like, go to the bank's self-service number-taking machine during working hours to pick up your number, and prepare to handle business.

3. Fill in the card processing information. Generally, after taking the number, you can ask the bank lobby manager how to fill in the information, and fill in the information according to the staff's prompts and the template provided by the bank. The information required to be filled in must be accurate and cannot be erased.

4. Submit information. After filling in the corresponding information, wait until the bank counter calls your number. After getting the number, go to the counter to submit the required information for card application and wait for bank review.

5. Anti-audit. After receiving your verification information, the counter staff will review the information according to the bank's corresponding regulations to see if it meets the conditions for applying for a credit card. If so, it passes the review. If it can't do it, it will tell you why it can't be done.

6.Card issuance is activated. If the bank has already applied for the card, the bank counter staff will issue the card to you in time and help you activate it. From that point on, your credit card has been successfully processed.

Extended information:

1. Advantages and disadvantages of applying for a credit card:

(a) Advantages of a credit card:

1. No deposit required For overdraft consumption, you can enjoy an interest-free period of 20-56 days.

2. When shopping, you will get points as gifts.

3. Special merchants who hold cards at the bank can enjoy discounts.

4. Accumulate personal credit, and the credit record can be added to the credit file.

5. You can withdraw money or swipe your card at ATMs and POS machines with the UnionPay logo.

6. Some credit cards accept existing points.

7. Free monthly mailing of statements.

8. With the supplementary card function, you can manage finances together and control your children’s financial expenditures.

9. In the form of one card and two currencies, you can use domestic RMB to repay when you spend abroad.

10. 24-hour service hotline, loss report takes effect immediately.

11. Cooperate with third-party platforms to provide cardholders with preferential services.

(2) Disadvantages of credit cards:

1. Credit cards can easily lead to over-consumption.

2. Credit cards have higher annual interest rates.

3. Credit card debt can cause mental stress.

4. If your credit is not good, the cost of borrowing money will be higher, and you may even not be able to borrow money.

How to apply for a credit card

The procedures for applying for a credit card are: the individual must first be a person with full capacity for civil conduct; the party concerned has the willingness and ability to repay; and the credit status is good; loan application Clear and reasonable. Applicants must prepare the materials required to borrow money from the bank, including loan application form, customer ID card, salary statement, income certificate, marital status certificate and other materials to apply. Then wait for loan approval. After approval, wait for bank release.

Legal basis:

Article 11 of the "Interim Measures for the Administration of Personal Loans"

Personal loan applications should meet the following conditions:

(1) The borrower is a citizen of the People's Republic of China with full capacity for civil conduct or an overseas natural person who complies with relevant national regulations;

(2) The purpose of the loan is clear and legal;

(3) The loan application amount, term and currency are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower’s credit status is good, No major bad credit record;

(6) Other conditions required by the lender.

That’s it for the introduction of how banks approve credit cards.