Is there any charge when I go to the bank to apply for a credit card?

Hello,

If it is handled by a bank, there will be no charge.

Those who charge are all intermediaries or scammers.

I am satisfied with the answer,

Please accept it,

Thank you.

Do I need to pay to apply for a credit card?

Hello, as long as we apply for a credit card through formal official channels, we do not need to pay any fees. However, there are very few credit cards with special craftsmanship. A fee is required.

1. When applying for a credit card in our daily life, there is no charge for applying for a credit card through formal channels. Just bring all the supporting documents required for the application to the bank to apply, or submit your personal profile information to apply online. No matter you apply for a credit card online or at the counter, there are no handling fees. If you are asked to pay for your credit card, you need to be wary.

2. Under normal circumstances, the institutions that require you to pay for your card are informal institutions. If this happens, you need to be careful about being deceived. Of course, after you apply for a credit card, there is basically an annual fee. But the annual fee is usually deducted directly from your bill. There are also some high-end cards, which may be made with special craftsmanship, or some customized credit cards, which also require a certain fee, which is deducted directly from the bill. And you just have to pay it back on time after deductions.

1. When we apply for a credit card, we must choose a bank branch or the official bank credit card website. Officially authorized third-party organization. Generally, commercial banks do not need to charge any fees when applying for a credit card. If your own qualifications are very good, or you have savings and financial management and other business dealings with the bank, and it is easy to pass the card, the four major state-owned banks do not need to charge any fees. It is worth reminding that with the popularity of Internet finance, many black intermediaries with unknown origins have appeared in society, both online and offline. If you really need to apply for a credit card, please choose a formal institution.

2. If you cannot apply to a formal institution due to personal credit problems, etc., do not take advantage of the loopholes. You may encounter unscrupulous intermediaries who will defraud you of your money and sell your personal information, which is likely to cause you endless trouble. There is no charge for applying for a credit card, but an annual fee will be charged after the credit card is activated. Nowadays, bank charging standards vary from place to place. The bank will also launch various preferential annual fee reduction activities. You can choose different credit cards based on your needs. If you are applying for a credit card and the other party asks you for a handling fee, please be vigilant when encountering this situation.

Does it cost money to apply for a credit card?

The credit card application process is free. The formal application process does not require any handling fees. Now major banks are striving for more credit card market share and there is no charge for applying for a credit card. Comprehensive inventory of the bank credit cards around you and the four major state-owned commercial banks: China Construction Bank: Advantages: 1. The first-year annual fee is waived, and the annual fee for the next year is waived if you swipe it three times; 2. The SMS service is free; 3. The cash withdrawal fee is only 0.5; 4. The handling fee for reporting a loss is 50 yuan; 5. There is a credit card directly targeted at car owners. Anyone with a car with a displacement of 1.4 or more can easily apply for the card.

Disadvantages: The gifts that points can be exchanged for are few and inferior. Bank of China: Advantages: 1. The first-year annual fee is waived, and the annual fee for the next year is waived if you use it five times; 2. The SMS service is free; 3. The cash withdrawal fee is only 1; 4. Report a loss The handling fee is only 40 yuan. Disadvantages: high points are required to exchange gifts, and there are few types of gifts. Industrial and Commercial Bank of China: Advantages: 1. Use American Express card 5 times a year or spend 5,000 yuan to waive the annual fee for the year, or exchange 2,000 points for a regular RMB card for one year. 2. Cash withdrawal fee is free; 3. Overpayment refund is free of charge; 4. Loss report only costs 20 yuan; 5. Multiple outlets Disadvantages: 1. SMS service fee is 2 yuan/month; 2. Required for redeeming gifts Agricultural Bank of China has high points and few types of gifts: Advantages: 1. The first-year annual fee is waived, and the annual fee for the next year is waived if you swipe five times; 2. The SMS service is free; 3. The cash withdrawal fee is only 1; 4. The loss reporting fee is only 50 yuan ; 5. Disadvantages of many outlets: 1. Few types of credit cards; 2. Card application procedures are relatively cumbersome; 3. Few points can be redeemed for gifts. China Merchants Bank: Advantages: 1. No annual fee for the first year, and no annual fee for the next year if you use it six times. ; 2. SMS service is free; 3. Loss report handling fee is 60 yuan; 4. Points are good gifts Disadvantages: 1. Cash withdrawal fees are high 3; 2. Few branches CITIC Bank: Advantages: 1. Use the card within one month after issuance The first-year annual fee is waived once, and the annual fee for the next year is waived by swiping the card five times; 2. Free SMS service; 3. Free accident insurance. Disadvantages: 1. High cash withdrawal fees; 2. Few outlets; 3. Loss reporting fee The high cost is 80 yuan; 4. There are many gifts but the points required are relatively high. Industrial Bank: Advantages: 1. The first-year annual fee is waived, and the annual fee for the next year is waived if you swipe five times or spend 3,000; 2. It costs 50 yuan to report a loss. Disadvantages: 1. The SMS service fee is 3 yuan/month; 2. The cash withdrawal fee is high and needs 3 yuan; 3. Few branches. Bank of Communications: Advantages: 1. The annual fee for the first year is waived. If you swipe the Y-POWER card three times, the annual fee for the next year will be waived. If you swipe the other cards six times, the annual fee will be waived. The annual fee for the next year is waived; 2. The SMS service is free; 3. The cash withdrawal fee is only 1; 4. It costs 50 yuan to report a loss; 5. There are more outlets than other non-state-owned commercial banks; 6. There are many gifts that can be exchanged for points. Disadvantages : I haven’t seen it yet, but the overall evaluation given by colleagues who use Bank of Communications credit cards is general Guangfa Bank: Advantages: 1. The first-year annual fee is waived, and the annual fee for the next year is waived after six swipes; 2. No formalities for overpayment recovery 3. A replacement statement only costs 3 yuan; 4. A copy of insurance is provided; 5. There are discounts for applying for the card. Disadvantages: 1. The SMS service fee is 3 yuan; 2. The loss report handling fee is 85 yuan; 3. Shanghai Pudong Development Bank with fewer branches: Advantages: 1. No annual fee for the first year; 2. No SMS service fee; 3. No handling fee for reporting loss; 4. No handling fee for overpayment withdrawal. Disadvantages: 1. The annual fee for the next year is based on the card swiping record. and repayment record to determine whether to exempt; 2. The handling fee for replacing a damaged card is 80 yuan; 3. The handling fee for cash withdrawal is 3 yuan; 4. Few branches Shenzhen Development Bank: Advantages: 1. The first-year annual fee is waived; 2. Cash withdrawal fee 1; 3. Loss reporting fee 50 yuan; 4. Replacement statement fee only 2 yuan Disadvantages: 1. Points can only be exchanged for the next year's annual fee, and some credit cards can only be exchanged after 12 swipes in the first year Annual fee; 2. Few branches Minsheng Bank: Advantages: 1. No annual fee for the first year; 2. No handling fee for cash withdrawals; 3. No handling fee for overpayment redemption; 4. Free aviation accident insurance and discounted cars on site Disadvantages of the emergency assistance service: 1. Most credit cards need to be swiped 8 times to be exempted from the annual fee for the next year, and some require a 160 yuan service fee; 2. The SMS service fee is 3 yuan; 3. The loss report handling fee is 80 yuan; 4. There are few outlets. Everbright Bank: Advantages: 1. The first-year annual fee is waived for some cards, and the annual fee for the next year is waived if you swipe it three times; 2. The cash withdrawal fee is 1; 3. The SMS service fee is waived; 4. 50 yuan is required to report a loss. Disadvantages: 1. Some cards are only The first-year annual fee is waived, but some cards require a first-year annual fee; 2. There are few outlets

Is it true that when you apply for a credit card online, you can pay when the card arrives?

Let me tell you directly, no It’s true, I also apply for a credit card. I know the tricks in this. We also do card processing and charge fees, but we only use the card to go to our bank branch. Customers bring their ID cards to sign for the card and pay the fee. The so-called card-to-pay method is to send you a fake card and then ask you to pay to activate it. In fact, the card is fake and the bank cannot check it at all.

Are there any fees for applying for a credit card? ?

It is free to apply for a credit card. After applying for a credit card and successfully opening the card, if you do not use it enough times, the bank will usually charge you

The annual fee is different for each bank's credit card. Moreover, the annual fee charged is also different for different credit card levels. The higher the level, the higher the annual fee for the credit card. . However, some banks have an annual fee-free policy. Generally, it is free in the first year, and then if you make enough purchases within a year, the annual fee will be waived the following year. Every credit card requires an annual fee, which can be as low as tens of dollars. Thousands of dollars higher.

However, under normal circumstances, the annual fee can be waived by swiping your card. However, there are also some credit cards that cannot waive the annual fee regardless of the amount of card consumption, and cannot be offset by the amount and frequency of consumption. Therefore, after applying for a credit card, you need to pay an annual fee. Moreover, everyone should decide which level of credit card to apply for based on their actual situation, and it must be within their own affordability.

Comprehensive inventory of the bank credit cards around you and the four major state-owned commercial banks: China Construction Bank: Advantages:

1. The first-year annual fee is waived, and the annual fee for the next year is waived if you swipe it three times;

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2. The SMS service is free;

3. The cash withdrawal fee is only 0.5;

4. The loss reporting fee is 50 yuan;

5. There are credit cards directly targeted at car owners. Anyone with a car with a displacement of 1.4 or above can easily apply for the card.

Disadvantages: The gifts that points can be exchanged for are few and poor

Bank of China:

Advantages:

1. Free of charge for the first year If you swipe five times, the annual fee will be waived;

2. SMS service is free;

3. The cash withdrawal fee is only RMB 1;

4. Loss report procedure The fee is only 40 yuan Disadvantages: high points required to exchange gifts, few types of gifts

ICBC:

Advantages:

1. Use American Express card 5 times a year Or spend 5,000 yuan to get the annual fee waived for the year, or exchange 2,000 points for the annual annual fee for RMB ordinary cards;

2. Free cash withdrawal fees;

3. Refund of overpayment No handling fee;

4. Reporting a loss only costs 20 yuan;

5. Many outlets

Disadvantages:

1. SMS service The fee is 2 yuan/month;

2. The points required to redeem gifts are high and the types of gifts are small

Agricultural Bank of China:

Advantages:

1. The annual fee for the first year is waived, and the annual fee for the next year is waived if you use it five times;

2. The SMS service is free;

3. The cash withdrawal fee is only 1;

4. The handling fee for reporting a loss is only 50 yuan;

5. There are many outlets

Disadvantages:

1. Few types of credit cards;

2. The card application procedures are relatively cumbersome;

3. Few points can be redeemed for gifts

China Merchants Bank:

Advantages:

1. The annual fee for the first year is waived, and the annual fee for the next year is waived after six brushes;

2. The SMS service is free;

3. The loss report handling fee is 60 yuan;

4. Point gifts are better

Disadvantages:

1. Cash withdrawal fees are high and require 3;

2. Fewer outlets

This is the end of the introduction about paying after applying for a credit card and whether to pay for a credit card. Did you find the information you need?