Is it safe to apply for a credit card online? Depend on whether the method you choose is reliable
There are many ways to apply for a credit card, which can be roughly divided into online and offline. However, with the development of the Internet, more people choose to apply for a credit card online, which is fast and fast. And convenient. But is it safe to apply for a credit card online? Be careful if you choose a third-party card application channel.
The ways to apply for a credit card online can be roughly divided into three categories. Whether it is safe or not will be analyzed one by one:
1. Official bank channels
Through the official bank channels It is very safe to apply for a credit card online, such as online banking, WeChat public account, mobile banking APP, etc. You can apply with confidence. However, we are reminded to be wary of some phishing websites, which appear to be official websites but are actually fake websites. It is not safe to apply online through such websites. Not only will the credit card not be accepted, but personal information will also be leaked.
2. Third-party card application platform authorized by the bank
It is also safe to apply for a credit card online through a third-party platform officially authorized by the bank, such as commonly used WeChat, Alipay, QQ, and Cloud QuickPass APP and Credit Card Supermarket can also help you apply for a credit card smoothly.
3. Online card application platform
There are many platforms on the market that provide online application for credit cards, such as advertising information on WeChat, QQ, or even Baidu to introduce card application, providing You must be wary of a link to apply for a card like this. Do not click to enter or even perform operations, otherwise it will be easy to be trapped.
Reminder: There is no fee to apply for a credit card, and every credit card is reviewed and approved by the bank. Don’t believe the lies of credit loan users that you can get a large credit card if you have money. To ensure the safety of online credit card application, be sure to choose formal card application channels.
What are the banks that can quickly apply for a credit card online in 2018? Personal skills are indispensable
Is applying for a credit card online reliable? Is it safe?
Applying for a credit card online is relatively safe.
Application
In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can apply to the card-issuing bank. Apply for a credit card. Sometimes, legal persons can also be applicants.
Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country.
Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.
The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank.
After the customer fills in the application form truthfully, he or she must also submit relevant credit certificates while submitting the completed application form.
The application form is accompanied by a contract for using the credit card. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have an application A person's autograph.
Card opening
Since the card is sent by mail after the credit card application is approved, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from fraud losses, the credit card has set up a card opening procedure before it is officially launched.
Card opening is mainly done by phone or online. The relevant personal information provided during the application is checked. Once the card is met, the card opening process is completed. At this point, the applicant becomes the card holder and can officially start using it after signing on the back of the card.
After opening a credit card, you generally need to set up a password for the card.
After accepting a credit card, a credit card merchant or bank must review the validity of the credit card and the identity of the cardholder.
Is it safe to apply for a credit card via mobile phone?
Applying for a credit card via mobile phone is actually a way to apply for a credit card online.
The process of applying for a credit card via mobile phone is simple. You only need to fill in the application form and submit it. There is no need to provide any information. It is convenient and fast, and the review results can be available in as little as 5 minutes.
Of course, if you want to apply for a card through this method, first of all, you must meet the basic card application conditions, such as being between 18 and 65 years old, having a stable job and source of income, and no bad credit record; secondly, You can open the official credit card websites of major banks on your mobile browser, or use the bank's mobile client. Of course, you can also follow the official account of the bank's credit card center on WeChat on your mobile phone, or the official account of some third-party websites authorized by the bank. On the application page Fill in the relevant information, submit it, and wait for the bank to review it.
As for applying for a credit card via mobile phone, is it safe? The key lies in whether the application method is safe. Don't trust online agencies easily. As for the official websites of various banks and officially authorized websites, they are safe and trustworthy enough. In addition, please be reminded that any reliable card application channel will not guarantee unconditional card application, nor will it charge any card application fees. When applying for a credit card on your mobile phone, be sure not to open untrustworthy websites or simply trust the card application text messages sent by others on your mobile phone to avoid being deceived.
It is not safe to apply for a credit card online
It is not reliable to apply for a card at home
China Merchants Bank Credit Card Center reminds netizens: Do not browse bad websites to prevent being attacked by Internet viruses, and do not be careless Registration and payment are made through the website. If you need to shop online, try to pay through large websites. It is recommended to activate the password verification service of international credit card organizations. Do not disclose credit card information to others in daily life to avoid unnecessary losses.
“Once there is any doubt about the cardholder’s online consumption, in order to protect the cardholder’s card rights and interests to the greatest extent, the credit card center’s investigation department will communicate with relevant institutions from time to time and provide timely feedback on the investigation process and results. Cardholder." Said China Merchants Bank Credit Card Center.
The relevant person in charge of Everbright Bank also gave some advice to netizens: First, when netizens apply for credit cards, it is best to go to the business outlets to apply for them. Don’t trust credit cards offered by marketers door-to-door. Because this will reveal personal information. Second, set a password for your credit card. If a password is set, the consumer is responsible if the credit card is stolen; if a password is not set, the merchant is responsible if the credit card is stolen without verifying the signature.
Four important things to note when applying for a credit card
1. The credit card limit approval process is carried out by multiple people and multiple steps in the bank’s dedicated department, and the score will be based on the overall situation of the applicant. The scoring criteria include many aspects: the applicant's bank credit record, the nature of the workplace, age, marital status, position, income, real estate, cars and other assets. Usually, if you only have an ID card and proof of income from a small business, the approval limit will be about 5,000 yuan. If there is proof of real estate and car assets, the limit will be higher, starting from 10,000 yuan. If you can also prepare the following materials when applying for a credit card, it will definitely improve the efficiency of card application and also increase the credit limit for credit card approval: copy of driving license, copy of real estate certificate, large deposit certificate, stock funds, valuable assets Proof, copies of credit cards from other banks, etc.
2. The office phone number left when filling in the application form must be a valid fixed phone number, and someone will answer it. The bank will simply ask questions during the return visit, for example, does the unit have this person and what position it is. The application form must be filled in and signed truthfully. The bank will ask questions about several fields in the application form during the return visit, such as home address, whether you are applying and signing in person, etc.
3. After applying for a credit card and paying a return visit to the bank, you will enter the card production process. During this period, you can call the bank’s customer service number to check the progress and limit of the card application. The credit card will be sent to your home or work address by registered mail. After receiving the card, you need to call the bank to open the card and activate it (the activation steps are detailed in the letter). Except for a few credit cards that are completely exempt from annual fees, most credit cards have annual fees. Generally, if you swipe the card an average of 6 times, the annual fee will be waived.
4. It is free to apply for bank credit cards, but the more credit cards you apply for, the better. Applying for too many cards will affect the application of new cards and credit limits. It is recommended that you apply for no more than 3 cards. .
Is it reliable to apply for a credit card online?
It is safer to apply for a credit card online. Compared with ordinary bank counters and agent booths, online card application has the advantages of convenience, speed, and convenience. It is fast, user-selective and can apply 24 hours a day.
Extended information:
A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.
It is in the form of a card with the issuing bank name, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back.
Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with the merchants and cardholders. Cardholders can overdraft within the prescribed limit.
Credit cards as stipulated in the relevant laws of our country refer to electronic payment cards issued by commercial banks or other financial institutions that have all or part of the functions of consumer payment, credit loans, transfer settlement, cash deposits and withdrawals, etc.
On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.
Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).
Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit.
The credit card generally refers to a credit card.
Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).
The main features of credit cards:
①Credit cards are one of the fastest growing financial services today. They are an electronic currency that can replace traditional cash circulation within a certain range;
②Credit cards have both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using credit cards;
③Credit cards are high-tech products that integrate financial services and computer technology.
④Credit cards can reduce the use of cash;
⑤Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;
⑥Credit cards can simplify collection Reduce payment procedures and save social labor;
⑦Credit cards can promote product sales and meet social needs.
This concludes the introduction on whether it is safe to apply for a credit card online and whether it is safe to open a credit card online. Have you found the information you need?