1. First log in to Industrial Bank Credit Card official website and click "Apply for Credit Card".

2. Click "Apply Online".

3. In the pop-up interface, click "Click here to apply now".

4. Click Next according to the instructions.

5. Check the appointment process and important reminders.

6. Select your favorite card, and then click Next.

7. Fill in your own detailed information and submit it at last.

8. After filling out the form, the staff of Industrial Bank will review your information within 10- 15 working days, and will mail the card to the address you fill in after it is approved.

In fact, the credit card application threshold of Industrial Bank is still relatively low compared with most credit cards, and many card friends have responded well. As long as the qualifications are not too bad, 18-60 years old and have a stable job and income, even white borrowers can easily apply for a card.

However, whether the credit card is approved depends not only on the applicant's credit conditions, but also on the applicant's credit card level. In other words, as long as the applicant's qualifications can match the credit card level to be applied for, it is still better. Therefore, before you apply for a card, you must choose the appropriate card level according to your own situation.

It is understood that the credit cards of Industrial Bank are divided into ordinary cards, gold cards, platinum cards and above, and different levels require different credit conditions for cardholders.

If you apply for an ordinary card or a gold card, it is better to apply for a card if your age meets the requirements, you have a stable income and there is no bad credit.

However, if you apply for a platinum card, you will not only meet the basic conditions for applying for a card, but also have requirements for the applicant's financial strength. It is suggested that you can apply for a card at the counter outlets, and provide financial proof materials such as automobile production and real estate as much as possible. However, if there are other credit cards, and the credit limit exceeds 50,000 1 year, you can also use them.

Is it easy to apply for Industrial Bank credit card?

The application conditions of Industrial Bank's credit card are:

1. Age 18 or above, supplementary card applicant 16 or above;

2. Have a legal and stable job and income, and have good personal credit.

As long as the application conditions of Industrial Bank's credit card are met, the chances of passing the examination are great.

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.

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.

Activate bank card

Because the credit card application is approved by post, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened. Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements. At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card.

After accepting a credit card, a credit card merchant or bank shall review the validity of the credit card and the identity of the cardholder.

identify

The credit card has at least the following information on its surface:

Front: name and logo of the issuing bank, credit card type (organization logo) and holographic anti-counterfeiting logo, English or pinyin name, activation date (generally calculated to month) and effective date (generally calculated to month). The chip is attached to the front of the newly issued card, and the chip account and the card magnetic stripe account are two relatively independent accounts.

Back: card magnetic stripe, cardholder's signature column (which must be signed after activation), service hotline, the last four digits or all (to prevent fraudulent use), and credit card security code (the last four digits of the signature column on the back of credit card are used for credit card activation, password management, TV, telephone and online transactions, etc. ).

approve

The merchant and the bank confirm that the credit card is valid and contact the bank for authorization according to the contract signed with the issuing bank. Authorization is the amount that can be used to further prove the identity of the cardholder. Authorization is generally carried out when the usage specified in the contract is exceeded.

After receiving the authorization notice, the issuing bank will issue an authorization instruction according to the balance of the cardholder's deposit account and the agreement that the bank allows overdraft, and reply whether to agree to the transaction.

use

Credit cards are usually only used by the cardholder himself, and lending them to others is generally a violation of the use contract.

Pin card

Before the credit card is cancelled, the account balance must be settled, and the whole process of card cancellation must be completed within 45 days after the application.

Industrial Bank Credit Card Online Application Steps

Industrial Bank credit card online application steps:

1. Log in to Industrial Bank Credit Card official website (find "Credit Card" in the top navigation bar, and click to enter.

2. Select "Apply for Credit Card" in the sidebar on the left side of the new page, and then click "Apply Online".

3. Follow the prompts to complete the relevant steps and fill in the name, ID number, etc. To submit.

After submitting an appointment, it usually takes 2-3 working days to wait for the staff to contact.

What are the requirements for handling Industrial Bank credit cards?

According to the regulations of UnionPay, the applicant applying for the Industrial Bank Universal Card needs to meet the following three basic conditions:

1. Age: 18~65 years old, with full capacity for civil conduct;

2. Credit conditions: good credit and no bad credit record;

3. Income conditions: there is a stable source of income, which can guarantee timely repayment every month;

Those who meet the above conditions can prepare proof of income, proof of finance and proof of identity to apply for a credit card at a bank outlet, or directly log in to Industrial Bank official website to apply for it, or contact a salesman to handle it at home. I wish you a successful card as soon as possible!

Extended data:

Industrial Bank Co., Ltd. (hereinafter referred to as "Industrial Bank") was established in August 1988. It is one of the first joint-stock commercial banks approved by the People's Bank of the State Council and China. It was officially listed on the Shanghai Stock Exchange in 2007 (stock code: 60 1 166) and its head office is located in Fuzhou.

Since its opening 30 years ago, Industrial Bank has always adhered to the business philosophy of "sincere service, accompanying growth" and is committed to providing customers with comprehensive, high-quality and efficient financial services.

By the end of 20 14, the total assets of Industrial Bank exceeded 4 trillion yuan, reaching 4.4 1 trillion yuan, an increase of 19.84% compared with the beginning of the year. The net assets per share attributable to ordinary shareholders was 65.438+0.286 billion yuan, an increase of 22.6 1% compared with the beginning of the year. The annual operating income was 65.438+024.834 billion yuan, a year-on-year increase of 654.38+04.23%; The net profit attributable to shareholders of the parent company was 4,765.438+0.08 billion yuan, a year-on-year increase of 65,438+0.4365.438+0%; The weighted average return on equity remains at a high level of 2 1. 19%;

Branches of 108 and 1435 have been established in major cities in China; It owns subsidiaries such as Xingye International Trust, Xingye Financial Leasing, Xingye Fund, Xingye Consumer Finance, Xingye Wealth and Xingye Guo Xin Asset Management, forming a modern financial service group with banks as the main body, covering trust, leasing, funds, securities, consumer finance, futures and asset management.

As the first "Equatorial Bank" in China, Industrial Bank has always adhered to the "scientific and sustainable" development concept, operated legally, steadily and in a civilized manner, taking into account the interests of shareholders, customers, banks, employees and the social environment, and actively practiced corporate social responsibility, which has been widely recognized and praised by all walks of life at home and abroad.

August, 20021year, Fortune Global 500 released: ranking 196.

The basic process of Industrial Credit Card Processing:

1. Open the application page and select the application area. The system will list the credit card types that can be applied for in this area. Click Apply Now to enter the information filling page.

2. Be sure to fill in the true and valid application materials, and the bank will distinguish them.

3. After everything is completed, you can submit the form online, and the system will automatically conduct a preliminary review. After the preliminary review is passed, it will be submitted to the local branch for further review.

4. The online application and the actual written application are basically the same. Must be 18 years old or above, with stable work and repayment ability.