Not necessarily. After applying for a credit card online, the bank will send a special salesman to handle it at home. For this kind of door-to-door credit card, the applicant need not worry about being cheated. If you don't apply for a credit card online, but meet a salesman at home, you need to pay attention to distinguish when applying. Because some bank salesmen will sell their performance door to door, while some door-to-door salesmen are not necessarily bank staff, but probably liars.
Methods/steps for processing credit cards
1. Prepare information. When you go to the bank to apply for a credit card, you must first prepare the corresponding processing materials, which generally include the original ID card, work certificate, income certificate and so on.
2. Go to the bank to get the number. After preparing the information, you need to choose a favorite bank outlet and go to the bank self-service number machine to get the number to prepare the business during working hours.
3. Fill in the card information. Generally, after getting the number, you can ask the lobby manager of the bank how to fill in the information, and fill in the information according to the tips of the staff and the template provided by the bank. The required information is accurate and cannot be erased.
4. Submit information. After filling in the corresponding information, wait until the bank counter calls for the number you get, and then go to the counter to submit the information needed to apply for the card, waiting for the bank's audit.
5. Anti-audit. After receiving your audit information, the bank counter staff will review the information according to the corresponding regulations of the bank to see if it meets the conditions for handling credit cards. If it meets the requirements, it will pass the audit. If you can't get a card, you will be informed of the reasons for not getting a card.
6. The hairpin is activated. If the bank has applied for a card, the bank counter staff will send you the card in time and help you activate it. Since then, your credit card has been successfully processed.
Advantages and disadvantages of major bank cards: 1. It is difficult for state-owned banks to approve credit cards, but it is easier for banks such as China Merchants Bank, CITIC, Guangfa and Ping An to approve cards.
2. It is best to choose a credit card according to daily consumption habits and consumption scenarios. Those who travel more can choose Guangfa China Southern Airlines, and those who spend more on shopping can choose CITIC and Pufa.
3. The cards that are easy to handle are I Platinum of CITIC, Guangfa True Love Card, Y-ROWER of Bank of Communications and so on.
Statistics show that the probability of credit card passing at the beginning of the year is relatively high.
5. Pay attention to fill in some extra points, such as education, marriage, personal annual income, housing situation and so on.
Every bank's credit card has advantages and disadvantages. You should decide which credit card to choose according to your actual needs.
Finally, I have to say, the precautions are, don't owe money to your credit card after you do it, otherwise it will affect your personal credit and even your daily life.
What should I do if I feel cheated when I have a door-to-door credit card?
If you simply apply for a credit card without paying extra, there will be no problem of being cheated. At present, most credit card sales are electronic, and door-to-door sales are rare. I suggest you call the customer service phone of the credit card bank you run to consult the customer service to see if you really have a credit card. If the bank customer service response does apply for a credit card, then follow up the progress of the card. If the bank customer service says that the card information is not found, it is necessary to pay attention to whether to disclose personal information and other issues. If the situation is serious or the fee is deducted, you can report it to the Public Security Bureau to further track the situation.
Before applying for a credit card, users can first understand the application conditions, such as age 18 years old or above, stable job, repayment ability and good credit information. The above are the basic conditions for applying for a credit card. Users can apply after they are satisfied. If they are not satisfied, they are likely to be rejected, and then they can give up their application. Users can submit applications after meeting the requirements. Generally, you can apply for a credit card at the bank counter or in official website. Banks will provide users with different cards with different rights and interests. Users can choose the one that suits them best when applying, which can save more money in use. After applying for a credit card, it usually takes 20 working days to get the card. There is an activation method in the email. Users can choose the one that suits them best according to their actual situation. When activated, the user must set the transaction password and inquiry password. Note: When users apply for a credit card, they do not get the card according to the type of the card, but according to the application materials submitted by the users. Therefore, if users want to get a higher quota, it is best to submit a better financial proof, so that the bank will issue a high amount of cards.
Extended data:
According to different payment methods, credit cards can be divided into credit cards and quasi-credit cards:
1, credit card. That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation. In other words, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used for international circulation.
2. quasi-credit card. It's a credit card issued by the bank. Deposit first and then spend. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance as a backup. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed.
Hello, I was cheated by a door-to-door salesman for 300 yuan yesterday, all the information and photos. What should I do now?
Call the police, or the bank where you apply for a credit card, and complain to them. This is related to their credibility and should be strictly investigated. Whether the person who sells credit cards door-to-door is true or not, you can check with the bank to which the person belongs by recording the employee's job number, name and department.
If you need to verify whether the identity of Ping An Bank personnel is true, you can call the credit card customer service hotline 955 1 1-2 for verification.
1. Credit card, also known as debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
2. The credit card stipulated in the relevant laws of China (Interpretation of the Provisions of the NPC Standing Committee on Credit Cards) refers to an electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1 The English Translation and Writing Standard for Public Service was formally implemented, and the English name of credit card was stipulated as CreditCard_.
3. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when spending, and it will be repaid on the billing day.
4. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
5. The earliest credit card appeared at the end of 19. From 65438 to 1980s, the so-called credit card was developed in British clothing industry, followed by tourism and business departments. However, at that time, the card could only be used for short-term commercial credit, and the money had to be paid back as needed. There was no long-term default and no credit line.
6. Credit cards are generally plastic cards with special carriers, with a length of 85.60 mm, a width of 53.98 mm and a thickness of1mm. The name of the card issuer, the expiration date, the number and the name of the cardholder are printed on the front, and a chip, a magnetic stripe and a signature strip are printed on the back. Cardholders can use credit cards to shop, spend money and deposit and withdraw cash from banks.
Going to the door to apply for a credit card and saying that sending an electric car is true.
I swiped my card at the door and said to send an electric car as a fake.
Better go to the bank. It is easy to reveal personal information at home, or it may be a scam. Now banks generally have tasks and send some small gifts.
Is it a liar to need a mobile phone to send gifts with a credit card at home?
Door-to-door handling of credit card gifts requires mobile phone operation and is a liar.
It's not a good thing to get a credit card at home, you know. First, when we register personal information, we may collect your ID card, work certificate and other personal information from the leaked information. Maybe I can help you approve the credit card and pay the deposit, instead of doing it myself, but most of these behaviors are scams.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back.
This is enough to introduce door-to-door credit card fraud.