The credit card processing method is as follows:

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

2. Go to the bank to get the number. After you prepare the information, you need to choose a favorite bank outlet and go to the bank self-service number machine to get the number during working hours, ready to handle the business.

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

4. Submit information. Fill in the corresponding information and wait for the phone call from the bank counter. After getting the number, go to the counter to submit the information needed to apply for the card and wait for the bank to review it.

5. Anti-audit. After receiving your audit data, the counter staff will review the data according to the corresponding regulations of the bank to see if it meets the conditions for handling credit cards. If there is, it has passed the audit. If you can't do it, it will tell you why.

6. Hairpins are activated. If the bank has issued a card, the bank counter staff will send it to you in time and help you activate it. Since then, your credit card has been successfully processed.

Extended information:

First, the advantages and disadvantages of doing a credit card:

(a) Benefits of credit cards:

1. If there is no deposit for overdraft consumption, you can enjoy an interest-free period of 20 to 56 days.

When shopping, you will get points as a gift.

3. Special merchants who hold cards in banks can enjoy preferential treatment.

4. Accumulate personal credit, and credit records can be added to credit files.

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

6. Some credit cards accept existing points.

7. Mail the statement free of charge every month.

8. Accessory card function, you can manage your finances together, and you can also master your child's financial expenses.

9. In the form of one card and two coins, you can repay in domestic RMB when you spend abroad.

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

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

(2) Disadvantages of credit cards:

1. Credit cards can easily lead to excessive consumption.

2. The annual interest rate of credit card is relatively high.

3. Credit card debt will bring mental stress.

4. If the credit is bad, the cost of borrowing money will be higher, or even you can't borrow money.

Introduction to credit card application

In a blink of an eye, 20 15 passed. The Chinese New Year is coming soon, and many card friends definitely want to apply for a suitable credit card for a good year, and the beginning of 20 16 is a good time to apply for a credit card. Let's talk about the 20 16 credit card application strategy to help you apply for a suitable credit card in the new year.

First, apply for a credit card strategy:

1. If your conditions are not so good and you want to apply for a credit card smoothly, you can choose an issuing bank that is easy to get off the card. The approval of state-owned banks is generally strict, and commercial banks with less strict approval can be considered.

2. Don't blindly apply for a credit card. You should choose the right credit card according to your own needs. Everyone must be rational when applying for a credit card. Don't apply for a credit card just because some credit card salesmen tell you to get a gift. It is very important to choose cards according to your regular living habits and uses.

Second, fill in the information strategy:

1, work address, company telephone number, fixed telephone number, etc. shall be truthfully filled in. If there is no fixed telephone number, you can fill in the fixed telephone number of relatives and friends.

2. Take photos and save them. So that the bank can pay a return visit.

Third, choose a credit card strategy:

Introduction of eating, drinking and having fun: Introduce all cards except air mileage, including China Merchants Bank young Card, Bank of Communications y-power Card, CITIC Card and China Everbright Card.

Shopping introduction: supermarket co-branded card, introducing CITIC Carrefour card and Bank of Communications supermarket co-branded card.

Business travel demand introduction: the joint cards of airlines introduce Pudong Eastern Airlines or China Southern Airlines.

Study abroad: Introduce all currency cards, including CITIC Currency Card, China Merchants Bank Currency Card, Huaxia Currency Card, China Bank Great Wall Card and Agricultural Bank emv Card.

Introduction to credit card application

How to apply for a credit card? What should I pay attention to when handling credit cards? How to fill out the application form for applying for a credit card? What factors determine the success rate and quota of card processing? There are too many questions to understand, and I have summed up this knowledge, hoping to help everyone.

1. In general, the amount of credit card application for the first time is relatively low, unless sufficient proof of assets can be provided, such as income, house ownership certificate, mortgage purchase certificate, car ownership certificate, bank deposit certificate or securities certificate. Of course, in addition to the asset certificate, other certificates that can prove personal ability will also help to obtain high-value credit cards, such as academic certificates and technical level certificates.

Fill in the credit card application form carefully (generally speaking, the following aspects on the application form will affect the bank's credit evaluation score for you. The higher the credit score, the higher the probability of obtaining credit card approval and the higher the limit);

1. Is there a fixed telephone in this city (having a fixed telephone in this city means that the residence is stable, which will increase the credit evaluation score of the bank for you);

2. Whether or not to get married (the score of married is higher than that of unmarried);

3. Whether it is a local account (the score of local account is higher than that of foreign account);

4. Whether there is a house (a house is higher than no house, and living by yourself is higher than living with parents);

5. Education (the higher the education, the higher the score);

6, the nature of the work unit (the more stable the work unit, the higher the popularity, the higher the score. For example, institutions, large state-owned enterprises, and Fortune 500 enterprises all scored relatively high, while unknown private enterprises and foreign enterprises scored relatively low);

7. Position (The higher the position, the higher the score. If civil servants and company managers score higher than ordinary employees, any bank has credit cards. If you meet these conditions, it is good to choose a bank.

Third, credit cards have an overdraft function, and you can use your credit card to shop if you have no money in your card, so not everyone can apply for a credit card, and banks only issue credit cards to people they think are honest. Compare and see if you meet the requirements for issuing credit cards by banks:

1, aged between 18 and 65;

2. Have a stable occupation and income;

3. Have good credit and the ability to repay the principal and interest on time;

4. Natural persons with full capacity for civil conduct (robots, vegetarians, minors and people with a certain degree of mental illness are not allowed).

4. If you haven't met the requirements for applying for an ordinary credit card, you can apply for a supplementary card through your parents and spouse. To apply for a supplementary card, you must meet the following conditions:

1, a natural person with complete or limited capacity for civil conduct.

2. At least 13 years old.

3./kloc-Applicants for supplementary cards under the age of 0/6 should provide a copy of the household registration book when applying.

Not everyone can handle some cards, and these cards have some special requirements for cardholders. For example, the magic credit card of CITIC Bank can only be applied by women.

Attachment: Tips for successfully applying for a credit card:

Banks pay more and more attention to risk control, and the approval of credit cards is also very strict. Many friends apply for credit cards or high-limit cards for the first time, and all of them have been rejected by the bank. What are the tips for successfully applying for a credit card?

1. Please try to prepare sufficient proof of assets. If you have applied for a credit card and have a good credit history, you only need to make a copy of your existing credit card and send it with the application form. Because the bank can check your personal credit record through the personal credit information system, whether the credit record is good is also one of the conditions for the bank to judge whether it is qualified to issue cards.

2. If it is the first time to apply for a credit card and there is no credit consumption record, you need to prepare various asset certificates. Because the bank decides whether to approve the card and the size of the credit line according to your various incomes and assets.

Are there any skills to apply for a credit card? Practical strategy of playing cards

In daily life, when many people are in urgent need of money, instead of asking someone to borrow money, it is better to have a credit card at hand, which can meet the consumer demand on the one hand and cash out for emergencies on the other. However, many people will encounter various problems when handling credit cards. Today, let's take a look at some skills of credit card application.

Are there any skills to apply for a credit card?

In fact, there are many credit card application skills. The following are some introductory items, which will be more practical for white novices. There are three aspects that need attention:

1, processing channel

It can be roughly divided into offline card handling and online card handling. No matter which one you choose, you must authenticate the formal channels, and be wary of all kinds of credit cards handled by roadside stalls and online, especially credit cards that unconditionally handle or pay large cards. Nine times out of ten, they cheat money and information, and the safest way is to go to banking channels, such as outlets, banks, official website and WeChat Bank.

If the applicant can provide financial proof in his name, such as real estate, automobile products, wealth management products, etc. It is suggested to apply for a card offline and submit relevant information directly to the bank outlets. If not, you can save some time to get a card online.

2. Application materials

To apply for a credit card, you need to fill out an application form and introduce some basic information of the applicant clearly, such as age, occupation, work unit, marital status, income, etc. Some people will package their income and position in order to approve cards, which is ok, but it should be based on real information.

Otherwise, it is over-packaging. For example, some talents become department managers in their early twenties with an annual salary of several hundred thousand. This is unrealistic. Once the information is found to be untrue, not only will the card be rejected, but it will also be blacklisted by the bank, and there will be no chance to apply for a card in the future.

3. Personal qualifications

In addition to the basic information, we should also analyze the contributions of people who have business contacts in the bank. If there is nothing, we can ignore it. The key is to look at the credit records and inquiry records on the credit. It is recommended to check the credit information before handling the card, and submit the card application without bad credit and low debt.

If there is an overdue record, you can try it as long as it is not overdue at present and you have been tired for six years in the past two years. It is best to apply for cards that are easier for banks with low thresholds, such as Ping An Bank Owner Card, Minsheng Bank Woman Flower Card, Bank of Communications Wal-Mart Card and Guangfa Bank True Love Card.

The above is the introduction of "What are the skills to apply for a credit card". I hope it helps you.

How to apply for a credit card?

The first credit card application method is: the applicant directly applies at the bank counter. If you apply in a bank, you must fill in the information directly. There are bank staff at the scene 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, more qualification certificates and wealth certificates can be issued, which is conducive to improving our final credit card limit. However, it will be relatively slow to review the credit card at the bank counter, because you have to report the information of the branch to the credit card center, and then the card center will review your information. Another way is to apply for a credit card online: now we can apply for a credit card in official website, but this way of applying for a card online is to fill in the information ourselves, which is more likely to lead to the problem of filling in the wrong information, which will lead to rejection. But online processing is mainly convenient without going out, as long as a mobile phone or computer can handle it. There is another way to handle credit cards: through the bank's credit card salesman. We can often see these bankers selling credit cards in shopping malls or other stores. This way of handling cards is to receive awards, but because they are all business personnel, the main purpose is to obtain performance. Therefore, we should carefully weigh some things that guarantee a high amount of credit and ensure card issuance, and don't believe it too much. The process of handling a credit card is 1. Prepare application materials. 2. After the materials are ready, you can apply to the bank or make an appointment online. 3. Then wait for the approval of the bank. 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 submitting the information successfully. "Legal basis: As a civil act, the credit card business has been stipulated in principle by the General Principles of Civil Law, Contract Law, Criminal Law, China People's Bank Law, Commercial Bank Law and other laws. 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. There are 65,438+03 items in the business scope of Article 3 of the Commercial Bank Law, and the credit school business belongs to 65,438+03 other businesses approved by the People's Bank of China. Violation of laws and regulations is invalid, and corresponding criminal responsibility should be borne.

Credit card application strategy

Major banks will still focus on the consumption and development of new credit card users, but will gradually tighten user review. As an ordinary user, how to handle credit cards more quickly? What is the easiest way to apply for a large credit card?

The first measure: the number of credit cards increases, and there is a high frequency/high credit card spending habit. Generally speaking, the credit card amount represents your credit level and repayment ability. The criteria for identifying bank quality customers can refer to the application criteria of credit card gold card users or brick card users. If you want to promote the bank's quality customers, it is essential to develop the habit of spending more with credit cards.

Generally speaking, spending more than one-third of the credit card for several months in a row, and spending more than 50 thousand yuan a year, is likely to be recognized as a quality customer. Therefore, it is recommended that cardholders spend as much as possible when they can swipe their credit cards in their daily lives.

The second trick: a good credit record is the key.

The 20 14 annual report shows that the overdue credit cards of most banks have increased. Today, with the gradual compression of bank profits, overdue credit cards bring more pain to banks. From the bank's point of view, for some "dangerous customers", the bank would rather not issue cards to him than bear the risk that his credit card consumption may turn into bad debts.

Therefore, it will become more and more difficult for applicants with bad personal credit records to apply for credit cards.

The third measure: job-hopping to an industry/company with high evaluation.

When applying for a credit card, although the materials submitted are similar, people of different occupations have different positions in the eyes of banks. High-quality jobs are more likely to be recognized by bank credit cards. Civil servants, doctors, teachers, senior technical titles, certified public accountants, practicing lawyers, officers above the school level, top 500 employees, etc. All those who can provide valid professional certificates belong to the bank's quality customers.

According to insiders, when identifying high-quality customers, they will be graded according to their professional conditions, such as administrative positions above official positions; Occupation classification is the person in charge of state organs, party organizations, enterprises and institutions; Senior professional and technical positions; Officers above senior colonel; Counsellor level or above in foreign diplomatic institutions; Above the first-class police inspector (inclusive); Ambassadors and embassy staff in various countries are usually recognized as high-quality customers.

Some kinds of jobs are not so popular with banks, and they are often rejected when they apply for cards. For example, public security law, service industry, real estate agency, sales, special industry crowd and so on.

Some banks also have strict requirements for the applicant's company (this project is generally not reported to the outside world). For example, Citibank needs the applicant's company to be on its internal "quality customer list". Simply put, the company must be registered for more than 3 years, with a registered capital of more than 6,543.8+0,000.

If there is no other way, it is also a good choice to jump to industries/enterprises with high bank ratings.

So much for the introduction of credit card application strategy.