How to handle the special approval of Bank of Communications Platinum Credit Card Enterprise?
1.
To apply in official website, log in to Bank of Communications official website, select your region, and click "Apply Now" below.
2.
Bring my valid identity certificate and income proof documents to the Bank of Communications business outlets.
3.
Call customer service to apply, fill in the application form according to the voice prompt, and submit the platinum card application.
4.
Apply for a mobile app, download the "Pay the bill" app, select "Credit Card", and then click "I want to apply for a card".
Can I apply for a credit card in the name of the company? What is the procedure?
Yes, you can. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. However, you cannot apply for personal credit card products in the name of the company, but you need to fill in the name of your current work unit when applying for a credit card, and submit a work certificate or income certificate stamped with the official seal issued by your work unit.
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.
Extended data:
According to the Notice on Issuing the Measures for the Administration of Credit Card Business:
Article 33 Any unit that opens a basic account in a financial institution in People's Republic of China (PRC) may apply for a unit card. You can apply for multiple business cards, and the cardholder qualification shall be designated and cancelled in writing by the legal representative of the applicant or his entrusted agent.
Every citizen with full capacity for civil conduct can apply for a personal card. Personal card holders can apply for supplementary cards for their spouses and 18-year-old relatives, and the number of supplementary cards shall not exceed two at most. The holder of the main card has the right to request the cancellation of its supplementary card.
Thirty-fourth units or individuals to apply for a credit card, should fill in the application form in accordance with the provisions, together with the relevant materials submitted to the issuing bank. For those who meet the requirements, the issuing bank will open a credit card account for the applicant and issue credit cards.
Article 35 The funds in the corporate card account shall be transferred from its basic account, and shall not be deposited in cash, and the funds and sales income from other deposit accounts shall not be deposited in the corporate card account.
The funds in the personal card account are limited to cash deposits held by individuals or transfer deposits with their wages and other legitimate income belonging to individuals. It is strictly forbidden to transfer unit funds into personal card accounts.
Article 36 Credit cards are only used by legitimate cardholders, and cardholders are not allowed to rent or lend their accounts.