Of course. Banks are the most direct places to handle credit cards. You can apply for a credit card at any bank branch where you are going to apply for a credit card. Fill in the form after selecting the card type according to your own needs, and submit personal information, including but not limited to: second-generation ID card, work certificate (work permit, labor contract, business card, salary flow, etc. ) within the validity period.
One: Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
2. The credit card stipulated in the relevant laws of China (Interpretation of the Provisions of the NPC Standing Committee on Credit Cards) refers to an electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement and cash deposit and withdrawal. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.
Third, credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
Four: Application
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
Five: The application method is generally by filling out a credit card application form, which generally includes the applicant's name, basic information, economic status or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.
Six: the application form is attached with a credit card contract, and the applicant authorizes the issuing bank or relevant departments to investigate its relevant information, and submit a statement of the authenticity of the information and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
Can I get a credit card at the bank?
Credit cards can be handled at the bank.
Banks must be over 65,438+08 to apply for a credit card. There are many types of credit cards that can be selected at bank outlets, and the amount that can be applied for will be higher. The applicant should bring the original and photocopy of the ID card, fill in the application form, and provide proof of income or permanent residence, or a copy of time deposit or tax payment certificate for more than one year. The specific materials needed will vary from bank to bank. You can consult the staff of the outlet to help the applicant complete the filling and submission of the credit card application materials.
The main features of credit cards:
Credit card is one of the fastest-growing financial services, which can replace the traditional cash circulation to a certain extent.
Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;
Credit card is a high-tech product integrating financial business and computer technology.
Credit cards can reduce the use of cash and money;
Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;
Credit card can simplify the collection procedures and save social labor;
Credit cards can promote commodity sales and++social demand.
Main types
According to different card issuers, it can be divided into bank cards and non-bank cards.
Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.
Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.
According to the different issuing banks, it can be divided into corporate cards and personal cards.
Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.
Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.
According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.
Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.
Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.
Credit cards can be divided into credit cards and debit cards according to different payment methods.
Credit card. That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation. In other words, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". At present, most of the cards in circulation in the world are of this kind.
Credit and debit cards. It's a credit card issued by the bank. Deposit first and then spend. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance as a backup. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed.
Can I go to the bank to apply for a credit card myself?
Credit cards can be handled by yourself in the bank.
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.
Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information.
And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.
A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
Extended data
Whether a bank approves a credit card mainly depends on the applicant's credit status, repayment ability and personal assets. At the same time, it will also be considered according to the amount of cards issued by the bank in the current year, the remaining credit line, the credit balance payable, and the non-performing rate of credit cards.
According to the data released by the central bank, by the end of 20 16, the total amount of bank card credit was 9 14 trillion yuan, up by 29.06% year-on-year; The credit balance of bank cards was 4.06 trillion yuan, a year-on-year increase of 23.63%;
The average credit line of bank Kaka is 1.96 million yuan, and the credit utilization rate is 44.45%. The total outstanding credit of credit cards overdue for half a year was 53.568 billion yuan, accounting for 65.438+0.4% of the credit balance of credit cards, up 0. 17 percentage points from the end of last year.
Because it is difficult to control the flow of credit card funds, some regulators once again proposed this year that banks should further investigate the purpose and use of loans, and be wary that borrowers may use multiple credit cards to cash out mortgage down payment.
Baidu encyclopedia-credit card
People's Daily Online-Top N Reasons for Rejecting Credit Card Applications: Flowers and White Stripes "Accidentally Injure" Credit.
Can I apply for a credit card directly at the bank?
You can go directly to the bank to apply for a credit card;
First, the bank credit card application conditions
1. The applicant is between 18-60 years old;
2. Have a stable job and income;
3. Personal credit record is good.
Second, the bank credit card application materials
1, identification: generally, it is an ID card (if it is a new ID card, a copy of the front and back is required), and soldiers need to provide a copy of their ID cards;
2. Work certificate: it can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and affix the official seal or personnel seal of the company), or a copy of the work permit/license;
3. Proof of financial resources: it can be a payroll record issued by a bank, an income tax withholding certificate, or a market value certificate of a house, a car, a deposit or an investment (such as a copy of the real estate license/car driving license/bank time deposit certificate) and other materials that can prove the financial level.
4. Other documents for reference include: personal account list of social insurance in the last 6 months, water, electricity and gas bills, credit card bills of other banks, etc.
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.
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph. [9]
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.
Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.
hairpin
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.
Is the credit card easy to handle? Can I go directly to the bank?
Credit cards are easy to handle. As long as you meet the requirements of the bank, you can apply directly at the bank counter, as follows:
The parties bring their ID cards, proof of work income, proof of property and proof of education, wait until the bank queues up to call the number, then go to the bank to ask the counter staff to get the application form, and then fill in the contents that must be filled in the customer column above;
After calling the number, go to the counter and give the ID card, work income certificate, property certificate, education certificate and application form to the counter staff, and the bank staff will accept it;
Banks that meet the requirements of banks and pass the audit will generally notify them within 15 days.
Advantages of credit card:
You can get points by swiping a credit card, and you can redeem certain points for gifts or air miles;
Some credit cards can be discounted in some places. For example, ICBC credit cards will regularly postpone the store information that can be discounted;
If you don't come for a while, using a credit card is equivalent to a small interest-free loan. As long as you repay it in the final repayment period, you don't have to pay interest.
Can I apply for a credit card at the bank?
There are three ways to apply for a credit card: one is to go to the local bank; Second, the salesman came to handle it; The third is website registration. So you can generally choose to go to the bank or apply for a credit card online. Pay attention to the integrity of information when handling credit cards.
For the safety of customers' information, it is recommended that you apply through the channels provided by the bank. . Please refer to the actual audit of China Merchants Bank for the credit card application results.
Extended data:
For example, if you meet the requirements for applying for CMB credit card, you can try to apply for CMB credit card in the following ways:
1. Online application: Please open China Merchants Bank Credit Card official website, select the horizontal menu "Apply for Credit Card"-"Apply for New Customer", select your favorite card type, and follow the prompts;
2. Please bring your original identity certificate, work certificate and financial documents to the business outlets of China Merchants Bank in person.
3. You can add "China Merchants Bank Credit Card Center" as a friend through WeChat, and click "I want to apply for a card".
4. Call the credit card customer service hotline of China Merchants Bank, select "3#" in the voice for credit card application consultation, and then select "1" to register for you, and inform the local staff to contact you to confirm the application.
Conditions for applying for a credit card:
1. Domestic people: 18 to 60 years old;
2. Have a stable occupation and income, good credit, and the ability to repay the principal and interest on time; (Students at school are not allowed to apply)
3. This area is in line with the scope of door-to-door collection service of credit card center. See the online information reporting page for details.
Application materials:
1, identification: generally, it is an ID card (if it is a new ID card, a copy of the front and back is required), and soldiers need to provide a copy of their ID cards;
2. Work certificate: it can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and affix the official seal or personnel seal of the company), or a copy of the work permit/card verified and marked by the sponsor;
3. Proof of financial resources: it can be a payroll record issued by a bank, an income tax withholding certificate, or a market value certificate of a house, a car, a deposit or an investment (such as a copy of the real estate license/car driving license/bank time deposit certificate) and other materials that can prove the financial level;
4. Other documents for reference include: personal account list of social insurance in the last 6 months, water, electricity and gas bills, credit card bills of other banks, etc.
The process is as follows:
1. Fill in the credit card application form at the local bank, which generally includes the applicant's name, basic information, economic status or income source, guarantor and its basic information;
2. Submit copies of certain certificates and vouchers to the issuing bank;
3, according to the contents of the application form truthfully fill in, and submit the completed application form and submit relevant credit certificates;
The application form is accompanied by a credit card contract. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, submit a statement on the authenticity of the information, and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
So much for the introduction of credit card going directly to the bank.