Don't believe it.
Now many swindlers pretend to be regular companies in other places.
He said he could be a national credit card agent and business.
Just your ID card and fax contract.
These are liars. Don't believe it.
Loans are only granted where you live. Credit card, just go to official website to apply for it yourself!
Which bank in Chaoyang, Beijing has credit card door-to-door service?
Banks in Chaoyang District, Beijing:
There is a home delivery credit card service.
But if you make one or two, you won't come.
Generally completed collectively in the unit.
You can ask your favorite bank customer service.
According to the bank customer service.
Is it credible to charge 15 points by credit card?
Don't trust such agency matters, and beware of being cheated. There are many similar cases.
15 points is 15% handling fee. When it reaches 50000, you need to pay 7500 handling fee. This is the fee charged by some intermediaries who help people to handle credit cards, which is 15, which is 15%. For example, if you successfully apply for a credit card, the amount is 50,000 yuan, then you have to pay 7500 yuan to the agent who helps you with the card.
Not to mention the high handling fee, even your own information may be sold and leaked, and if the bank knows, it will be difficult to borrow money through formal channels in the future.
Extended data
"Without proof of income, you can apply for a large credit card of more than 50,000 yuan as long as you provide a copy of your ID card." Such agency credit card advertisements can be seen everywhere on the Internet.
China Payment and Clearing Association recently issued new regulations, requiring applicants to apply for credit cards in person with their original identity documents, and no other individual may do it on their behalf. However, today's reporter in beijing business today found that these two days, small advertisements of online credit cards are still emerging one after another.
Enter "agent credit card" on the Internet at will, and you will see that a lot of agent information has been released these two days. One of the agents in Southwest China said, "Express credit card, five-day card 10000-30000. You can withdraw the amount after issuing the card, as long as the white household has never had a credit card and has a local account. "
The reporter contacted a person who is engaged in credit card agency, and the other party said that he could "handle cards with cards" and "handle cards with mortgage loans", with a single card amount of 10000-30000 yuan. Credit card use for more than half a year, mortgage repayment for more than half a year, meet one of the conditions can be handled. Some banks can handle the card on the same day, and some banks can handle the card in about 7- 10 days, with low fees.
The online credit card agent looks beautiful, not only the card issuing time is fast, but also the overdraft limit is high. But in fact, there have been many news reports that some applicants have been defrauded of money in order to obtain large credit cards.
Some agencies usually take advantage of consumers' anxiety or non-compliance to defraud high fees. In the past, there have also been cases in which agents used the cardholder's identity information to defraud the credit card for malicious overdraft.
In fact, the online agent credit card is not reliable in terms of regulations. According to the Guidelines on Risk Control and Safety Management of Bank Card Business recently issued by China Payment and Clearing Association, the applicant must apply for a credit card in person with the original ID card, and no other individual may apply for it on his behalf (except the supplementary card handled by the main cardholder).
Hua Ming, an analyst of the Credit Card Group of Yinlv Financial Research Center, told the beijing business today reporter today that credit cards can be applied online or through formal channels such as official website, but credit card applications are not allowed to be handled by agents, and they must be submitted by themselves. Besides, no matter which channel applicants apply for credit cards, except for a few credit cards clearly marked with new card fees, there is no need to pay any handling fee for applying for credit cards.
Regarding the online card issuance mode promoted by many banks at present, Hua Ming said that although this form has become the main card issuance mode promoted by banks, applicants still cannot complete the whole process of credit card approval online.
Among them, China Merchants Bank, Bank of Communications and China CITIC Bank. Use the cardholder to fill in personal information through the internet, and the bank will conduct preliminary examination and data verification on the information. After passing the preliminary examination, the applicant will be required to complete the interview at a nearby bank outlet and sign the application form.
The other is that the applicant fills in personal information online, and the bank sends a card-issuing specialist to conduct further data verification and face-to-face signing for customers who meet the basic card-issuing conditions, and the bank issues cards after the follow-up data is approved. No matter which form needs a face-to-face signing process, such as online credit card processing, it is obviously not reliable to provide only ID cards to handle cards.
Reference: People's Daily Online _ Credit card network agents have been repeatedly banned. It is not reliable to apply for a card with an ID card.
What are the credit card processing procedures of Beijing Bank Card? Where can I get a card?
If you apply for a credit card from Bank of Beijing, you can apply through mobile banking or fill in relevant information through online banking. Of course, you can go directly to the bank counter to fill out the application form and submit the corresponding qualification certificate.
Where can I get a credit card in Beijing?
Hello! I suggest you go directly to the outlet to handle it. You can check the address, savings phone number and business hours of each business outlet through our website. Method: Please log on to the credit card website, click on "service outlets" in the upper right corner, and select the city you need to inquire from the drop-down box.
Credit card application conditions of China Merchants Bank: Applicants should be 18~60 years old (foreigners are 25~60 years old), have certain economic ability and have a good credit record. Please refer to the actual audit of our credit card application results. Information: copy of our credit card application and ID card (foreigner: passport and residence permit or employment certificate; Taiwan Province people: Taiwanese certificate, employment certificate; Hong Kong and Macao people: Home Visit Permit and Employment Permit/Residence Permit) and the work certificate issued by the unit.
In addition, it is helpful to improve the credit limit by providing the following information, such as: a copy of the running list of China Merchants Bank's savings account in the past three months; Original proof of asset balance of wealth management account opened by China Merchants Bank; A copy of the property ownership certificate (including my name)+a copy of any water, electricity and coal invoices of the property in recent 3 months; A copy of my driver's license.
Where can I get a credit card?
1. Handling credit cards: Credit cards can be applied at bank outlets or online.
2. At least 18 years old: I can't get a credit card either. On the premise that you are at work, you can also apply for a card in the name of a company or government employee.
3. Banks can consider going to: the four major state-owned banks (China Construction of Workers and Peasants).
4. Credit card limit: It depends on the effective income and asset guarantee value provided by the individual during the application process. The credit limit of a credit card is positively related to the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit.
5. Repayment: If you use a credit card, you can repay the bill on the last repayment date indicated on the bill after it is issued. If it is a direct ATM withdrawal, the sooner the better, because interest is calculated.
6. Materials to be brought: proof of identity, work certificate, proof of financial resources, house book and car book, credit card of other banks (with card 1 year or more than 6 months).
I. Application for bank outlets
1. It is the most primitive and basic way to apply for a credit card at a bank outlet. Applicants only need to bring relevant supporting materials to the bank outlets to submit their applications.
2. Suitable target: Xiao Bai, a newcomer to the workplace, and a friend who wants to run a big card.
3. Suitable banks: the four major state-owned banks (China Construction of Workers and Peasants).
4. Advantages: Safest: Comparatively speaking, it is safer to enter documents through outlets, and this channel has a higher confidentiality factor for customer information, and there is basically no risk of customer information leakage.
5. Disadvantages: the approval speed is the slowest: applicants submit materials at bank outlets, which are then sent to the head office by branches and sub-branches, and the approval can only be completed after the qualification examination of the head office. The sending process is complicated and takes a long time.
6. In addition, branches will generally accumulate a batch of application materials and send them to the head office at a certain time. There are not a few applicants who have waited for 1 month from the submission of materials to the final license.
Second, online application
1. Applicants can log in to the bank official website or apply online in official website such as Rong360. Fill in the relevant information on the website and click Submit.
2. Suitable for people: people who have worked for many years and are busy with official duties.
3. Suitable banks: banks with relatively loose audit (Bank of Communications, Guangfa, Ping An, CITIC, Shanghai Pudong Development Bank, etc.). ).
4. Advantages: Time and effort are saved: you don't have to go to the bank outlets in person to queue up, saving valuable time. Strong selectivity, there are many kinds of cards on the website, you can compare them at will, check the related expenses and precautions of the cards at will, and easily choose the one that suits you best. The approval speed is fast. After the website submits the application materials, it will immediately send the materials to the bank credit card center for review.
5. Disadvantages: Difficult approval: The biggest drawback of online submission is that it is impossible to submit paper materials, and the lack of relevant materials may cause some deviations in the qualification examination of banks. Agency fraud: some informal websites swindle and swindle under the banner of handling high-value credit cards, but in fact they charge a series of nonexistent fees or defraud personal information to commit crimes.
These are the two most common credit card applications. Applicants can choose the most suitable application method according to their own characteristics. In addition to the above three ways, there is another way, that is, the card clerk comes to the door to handle the card. This method is mostly because after filling in the information online, the bank thinks that the information is not complete enough, and will appoint a card clerk to collect the information and take photos.
1. Applicants don't have to go to the bank outlets in person, just wait for the card clerk to come to the door to apply for the card. What the applicant needs to do is to carefully verify the true identity of the card clerk. He can ask him to show his work certificate, find the job number on it, and call the customer service of the bank to ask if there is such a person.
2. Finally, it is necessary to remind the applicant that it is convenient and quick to apply for a credit card online, but we should also carefully identify the authenticity and security of the website. In addition to applying at the Bank of official website, the applicant can also log on to the official website authorized by the bank, such as Rong360.com, without any charge.
3. Now, after clicking Apply, you will automatically jump to Bank official website to fill in the information, all of which will be completed in Bank official website, which is the same level as Bank official website in terms of security.
In addition, applicants should pay special attention not to trust any informal websites or credit card intermediaries that handle credit cards. Almost all of these websites or intermediaries are swindlers, and they will try their best to charge you various fees in the process of handling credit cards. Once the liar's sweet words are believed, the applicant may encounter information leakage and property loss.
This is the end of the introduction of the authenticity of the regular credit card agent in Beijing and the door-to-door credit card of Bank of Beijing. I wonder if you found the information you need from it?