How to write an application form for credit card exemption

Sample application form for credit card exemption:

I (xx) successively used our bank’s credit card to spend xx yuan in xxx year, and then Unable to repay credit card overdraft due to unemployment and no other source of income.

Now I am willing to borrow money from relatives and friends to repay the entire principal, but due to limited ability, I am unable to repay the entire debt. Now I sincerely request the bank leaders to consider my actual situation and exempt some of the overdue interest and late payment fees.

Please approve the above!

XXX

Extended information:

Loan overdue usually means that after the loan expires, the borrower Without going through the relevant extension or re-loan procedures, the loan principal and interest are not returned to the bank that issued the loan according to the loan time limit stipulated in the loan contract, thus causing the loan to exceed the agreed time limit.

In reality, whether it is an enterprise or an individual, it is actually possible for a loan to be overdue. In such a case, it is natural to bear overdue liability to the bank or financial institution, which usually means paying liquidated damages.

Non-payment after a credit card overdraft is a breach of contract. The bank can require the cardholder to repay the principal as well as overdue interest, late payment fees, over-limit fees, etc.; if the bank files a lawsuit with ++++ and wins the case , the cardholder will also have to bear the litigation costs.

Secondly, if the cardholder maliciously overdrafts a certain amount for the purpose of illegal possession and fails to repay overdue, it constitutes a credit card++ crime and he will also bear criminal liability.

How to fill out the application form when applying for a high-limit credit card?

Many friends want to apply for a high-limit credit card and want help. In fact, credit card application and credit limit mainly depend on the qualifications of the applicant. However, qualifications are very important, but you also need to master some card application skills, such as how to fill out the application form.

There is still a lot of personal information on the credit card application form, and marital status, home address, home phone number, work landline phone number, annual salary, contact person, and credit cards from other banks are all closely related to the success rate of the card application. of.

If you want to get a large credit card, your application form should be filled out like this:

1. Nature of the company: The applicant’s workplace can reflect his or her repayment ability. , so civil servants, public institutions, state-owned enterprise employees and other good people in such units have a higher approval rate when applying for credit cards, and the approved credit limit is also higher.

2. Work phone number: Be sure to fill in this phone number incorrectly. The bank will call your work phone number for a return visit. If your workplace does not have a phone number, you can fill in the phone number of your relatives and friends in the store, but you must say hello first. .

3. Marital status: Married with children, the situation is relatively stable in the eyes of the bank, and the economic conditions should not be very bad. It is easier to apply for a card than those who are unmarried and have no children, and the approved limit is also higher. , so generally speaking, you need to fill in the relevant information truthfully when filling out the form.

4. Place of Birth: Local household registration can add points when applying for a card. However, if it is not a local household registration, there is nothing you can do. You have to fill it in according to the ID card.

5. Industry category: Never fill in those in the service, entertainment, investment, or guarantee industries. In the eyes of banks, they are high-risk groups. Such people are not favored by banks, and those who can successfully pass the review will not be accepted. to 50%.

8. Working years: You can write a longer length according to the actual situation, for example, one and a half years, you can write three years, but don’t be too exaggerated. For example, it has only been two or three years since graduation, and the working hours are It took me 5 years to write it, but when I think about it, it’s all fake.

9. Contact person: It is best to write down high-quality customers of the bank, such as platinum card holders, etc. Of course, if not, you can also write down relatives and friends with stable jobs and high incomes.

10. Card collection address: It is best to write the work address for this address, which will help improve the success rate of card application.

Summary:

Tips on filling out the application form for large-amount credit cards. Some conditions can be adjusted appropriately. For example, the annual salary can be filled in higher within a reasonable range, or the working hours should preferably be Singles who are more than one year old or nearly 30 years old are best to fill in the form of married, or the contact person can choose a friend with better qualifications, etc.

However, the principle when filling out the application form is: be as honest as possible. Once the bank discovers that you submitted false information, not only will you be unable to apply for a card within six months, but your credit will also be stained in the future.

How to fill out the credit card application form?

Home address

Applicants who have already purchased a house can directly fill in the address of the property under their name and attach a copy of the real estate certificate when submitting the information. Card applicants who do not have personal housing, such as those who rent a house, can fill in the home address of their hometown. If they stay for a long time, the bank will think that the address of the card applicant is very stable. For people like Beidiao, if you have local friends with good connections, you can fill in the friend's address if the friend allows it, and the check-in time can be Beidiao time, which can also show the residence stability of the applicant.

Marital status

Whether married or single, generally speaking, you can fill it in truthfully. But for older young people aged 28 or 29, you still need to think carefully when applying for a card. If you fill in the form of unmarried, the bank will consider that the status of the card applicant may not be very stable.

Residential phone number

Fill it in based on your home address, preferably a landline. Make sure your parents or friends’ parents (you need to say hello in advance) can receive it. Older people always give people a more secure feeling, and banks like that.

Workplace landline phone number

Not filling this in is the culprit that causes many card applicants to fail to apply for a card. The bank often chooses to call this number during return visits to confirm the card applicant's job stability, which is directly related to the card applicant's source of income.

Annual salary

It is directly related to the repayment ability. Many card applicants fill in the annual salary that is either too high or too low when applying for the card. In fact, the annual salary is directly related to the income certificate of the card applicant. , should be filled in according to the actual situation, but if the unit can issue an income certificate, it can also be increased appropriately to make the bank more assured. Be careful not to make anything up when filling in your annual salary. Firstly, the bank will have a relative reference value through social security, industry, position and other information. Secondly, once the bank discovers that the card applicant has forged information, the card application will basically not be successful. .

Contact person

You can choose to fill in the contact person: family members with stable addresses, friends with stable jobs and high incomes, colleagues in the same company, etc. In short, it can make the bank feel more at ease. Stable group. It is not recommended to fill in friends who do not have a fixed job or whose income/residence is unstable.

Credit cards from other banks

Among the mainstream banks, only five major banks, Bank of China, Bank of Communications, China Guangfa Bank, Ping An Bank and Shanghai Pudong Development Bank, support card application. For cards from several banks, you can apply at the counter with a credit card from another bank that has been used for at least 3 months (different banks, such as Shanghai Pudong Development Bank regulations: you can apply at the counter if you have held a credit card from another bank for more than 1 year). If the card is recorded Good, no overdue, and the card can be issued more quickly.

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. The business falls under item 13 and is invalid if it is approved by the People's Bank of China and will be subject to corresponding criminal liability.

How to fill in the credit card application information

Many friends want to apply for a credit card to cover expenses such as visiting relatives, wedding gifts, dinners and entertainment, etc. So what should you pay attention to when applying for a credit card for the first time?

The credit card salesperson will submit a card application to you. The following information needs to be filled in carefully.

1. Basic information

1. Marital status

Married with children, married with no children, married with no children but single. Just fill in the facts. If you are over 30 and unmarried, the bank will consider you unstable, so it is recommended to apply for a card. Prepare more asset certification documents (house/car/bank deposit)

2. Residential phone number

Be careful to explain the "residential phone number". Many applicants think of filling in their mobile phone number. There is no need to fill in the residential phone number. In fact, the bank mainly checks the stability of the applicant.

3. Residential address

Whether you own or rent a house, you must fill in your residential address. Like your residential phone number, this item is also designed by the bank to check your stability.

4. Residential status

Owned residence, no loan, self-owned residence, loan unit, apartment, rental. If you do not buy a house, you may wish to write down your home address.

The length of residence is also a reference item. Generally, it is more stable for more than one year. , the longer the better.

2. Occupational information

1. Work address

Whether or not you have a work address can reflect whether you are working, so fill in the application. Don't forget to fill in the form.

2. Work phone number

Forgetting to fill in the work phone number is the reason why many people fail to apply for a card. When calling back, the bank will call the work phone number. Let’s check the stability of your job.

3. Income

There is a lot of skill in filling in the income, and do not make it up. Of course, don’t forget to make it on an after-tax basis. Plus social security, provident fund, welfare, and year-end bonus.

4. Length of service

The length of your service directly shows the stability of your job, and it can also indirectly show the sustainability of your income. The cardholder is very honest and directly fills in 10/11 months of employment based on the actual situation. Here, you may wish to fill in an estimated number of more than 1 year.

3. Contact information

1. Contacts

Contacts are divided into two categories: immediate relatives and other contacts, including family members with stable addresses, friends with stable jobs and high incomes, etc. In a word, it is the smartest way to fill in the stable group that the bank is assured of. It is not recommended to fill in friends and relatives who have no fixed job or unstable income/residence.

4. Statement address

1. Work address

The billing address has two options: work address and residential address. Check the work address on the side. Show that you actually work for this company.

How to write a credit card installment application

Applicant: ____ Co., Ltd., domicile: ____. Organization code: ______. Legal representative: ____, position: general manager. Request your court to remove _______ from the list of dishonest persons subject to execution in accordance with the law. In the case of the loan contract++ between the applicant and _______ Bank Co., Ltd., ____ Bank Co., Ltd. has applied for enforcement of the case. The applicant has reached a settlement with the applicant _______ Bank Co., Ltd. regarding the case. The applicant shall bear the corresponding repayment obligations and the shareholders of _____ company ____ shall bear joint and several liability. Therefore, the applicant applies to be removed from the list of dishonest persons subject to execution. In summary, this application is submitted in accordance with the provisions of the law and I hope it will be approved.

Credit card application conditions:

1. Aged 18 or above;

2. Hold a valid ID card;

3. None Bad credit record;

4. Proof of regular employment;

5. Proof of income stamped with the financial seal of the unit;

6. Other proof of financial resources, such as Bank deposits, real estate, cars, stocks, bonds, etc.;

7. Social pension insurance certificate;

8. Provide two contacts.

The first three conditions must be met. Provide 4-8 supporting materials as much as possible. Specifically, the following information can be included. Provide as much as possible selectively to ensure smooth passage of the review and increase the information quota:

1. Those under 30 years old, with a college degree or above, can apply for a youth card;

2. Have a credit card from another bank, use it once a year, and have good credit. You can apply for standard card, China Eastern Airlines card, etc.;

3. If you have a car driving license (it must be a car, trucks, vans, etc. are not allowed, plus an income certificate stamped by the company, you can apply for standard card, China Eastern Airlines card, etc. Cards, etc.;

4. If your employer pays you social security, and the payment time is more than one year and has been paid within the past three months, you can apply for a standard card, China Eastern Airlines card, etc.;

< p>5. For Bank of Communications Ward VIP service, please consult the staff in the business hall. They will recommend card applications for you. You can apply for platinum cards, standard cards, Eastern Airlines cards, etc. according to your assets;

6. If you are a doctor, teacher, or civil servant, you can apply for a business card. For specific application information, please consult the staff in the business hall

7. For co-branded cards such as Wal-Mart, CP, and Haagen-Dazs, you can find them at the station. Or please ask the staff at the business office.

This is the introduction to how to write a credit card application.