In general, you can't apply for a credit card unless you do it in person. When you apply for a credit card according to the regulations of the bank, you need the applicant to have good credit information, meet the regulations of the bank and sign it in person. If you don't come forward, you won't pass.
If the applicant has special feelings and needs to find someone to do it for him, then he needs to issue a notarized power of attorney and entrust others to do it for him. Of course, this also needs to be reviewed and decided by the bank, and it can't be passed by your applicant to help him.
Therefore, if you want to apply for a credit card, it is better to do it yourself.
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.
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.
Can't I get a credit card?
Hello, if you need to apply for our credit card, you need to do it in person.
Conditions: Applicants should be 18~60 years old (foreigners are 25~60 years old), have certain economic ability and 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.
Must I apply for a credit card in person?
Must I apply for a credit card in person?
First, the bank must be the person who handles the credit card, provide identity data verification and sign for confirmation.
Second, the principle of use: only for my own use, not to lend it to others.
3. In case of a large amount of overdue repayment due to bank dunning:
1, first of all, be sure to confirm whether it is the phone number of the bank credit card center, and then call the official customer service hotline to inquire about the situation after hanging up.
2. If it is really my credit card debt, then I need to check the card handling information, including the time and place of card opening.
3. If you have never applied for a credit card in our bank, please bring your application identity information to the bank outlet to explain the situation.
4. If the amount involved is large, you need the help of the police to verify the signature handwriting on the application form.
Do I have to apply for a credit card myself?
I have to go in person, but I can tell you that you can't get a credit card with your ID card now, and your mother can find it if you have a credit card.
Do I need to bring my original ID card to apply for a credit card?
It must be the original of my ID card! In fact, there should be other ways to go to the mall without going to the bank, but you still need an ID card and a mobile phone to verify it!
If I apply for a credit card, do I need to apply?
1. Bank of Communications handles overdraft card's self-proclaimed legal process. (1) Card handling process: (1), an individual card handling application is put forward, and the card handling personnel of Bank of Communications come to the applicant's work unit. (2), card personnel ask the applicant's basic information (address; Monthly income; Working years; Parents' telephone numbers; Friends phone), take photos of the applicant's ID card and work permit with a digital camera. (3) Card handling personnel ask the applicant to sign the two forms and tell the applicant to go back and fill them out. If the head office of Bank of Communications checks by telephone, let all applicants answer yes. The applicant has not seen any relevant legal texts and contract texts. (4) A week later, the applicant received a verification call from the head office of Bank of Communications, asking for the applicant's name, contact number, home phone number, work unit address and residence address, and the applicant answered truthfully. (5) A week later, the applicant received a registered letter from the head office of Bank of Communications, and sent the applicant a credit card (overdraft card) and a bill (the first one was a user-defined ultra-high credit limit). (4) The card issuer did not express any legal rights and obligations to the applicant, and imposed its so-called legal process on the applicant by means of signature preset (the signature preset is signed by the applicant first, and then filled in by the card issuer). 2. The process that Bank of Communications claimed to be legal in using overdraft card: (1) The use process: (1), and the cardholder only got the information (free credit card swiping, bonus points, etc.) from the card issuer. ), except for bills, cardholders have never received financial tips from card issuers. (2) The installment repayment amount can only be decided by the card issuer, and the cardholder has no right to negotiate according to his own payment ability. (3) As for the relevant charging items and standards in the overdraft card, the card issuer intentionally fails to make explicit, and the cardholder can only passively accept bill default (bill deduction default). (4) The cardholder applies to the card issuer for card withdrawal, and the card issuer's reply is that the annual fee will be exempted, and the automatic card withdrawal will not be enabled for 45 days, and the cardholder's application will not be accepted in time. Third, Bank of Communications thinks that the legal process of debt collection: (1) The card issuer has failed to fulfill its obligation to manage the debt risk for the cardholder. (2) When the cardholder is in debt, the card issuer does not know the reasons for the cardholder's debt, and the card issuer arbitrarily determines the nature of the cardholder's debt with its own dunning process, such as malicious overdraft and intentional non-repayment. Don't give the cardholder the opportunity to negotiate the repayment plan according to his repayment ability, and make mandatory default (the cardholder must unconditionally default all processes without the legal basis of the issuing bank, including the intentional obligation inaction and intentional injury behavior of the issuing bank, otherwise the issuing bank will pursue the legal responsibility of the cardholder with its own legal process. Mr. Pan, Mr. Xu and Mr. Shen from the headquarters of Bank of Communications claimed that Bank of Communications is a state-owned bank, and all procedures have been approved by the central bank, which not only has the right to convict cardholders according to procedures, but also has the right to execute them. (3) The card issuer extorts debts from the cardholder's relatives and friends by defaming or damaging the cardholder's personality and reputation. Four, the legal liability investigation procedures advocated by Bank of Communications:
Do I have to hold an ID card to apply for a credit card?
To apply for a credit card, you must hold your ID card.
Credit card processing conditions: China people, foreigners and compatriots from Hong Kong, Macao and Taiwan who have reached the age of 18, have full capacity for civil conduct, have a legal and stable source of income, and have good credit standing can apply for a bank credit card with their valid identity documents.
The materials to be provided are as follows:
1. Identity information: copy of resident ID card or military officer's card; Hong Kong and Macao compatriots provide copies of their mainland travel permits and residence certificates for more than one year; Foreigners can provide copies of passports and residence permits for more than one year.
2. Proof of work income: proof of salary and a copy of social security (paid for more than half a year).
3. Auxiliary materials for applying for a bank credit card: education background, professional title, professional qualification certificate, self-owned real estate license, self-owned car driving license, telephone number of current residence in the last three months, original vouchers of water, electricity and gas expenses, etc.
Do I have to hold an ID card to apply for a credit card?
hello
Get a credit card! Be sure to bring your ID card! Some networks handle it! You also need to go to the bank to activate it.
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Credit card processing conditions:
1. At least 18 years old and no more than 65 years old;
2. Need my second-generation ID card;
3. There is a work certificate and income certificate stamped with the financial chapter of the unit;
4. No bad credit record;
5. Other financial certificates, such as real estate, automobiles, stocks and bonds.
Credit card application materials:
1. Identity information: copy of resident ID card or military officer's card;
2. Proof of work and income;
3. Other financial certificates: such as photocopies of real estate license, automobile driving license and deposit certificate.
Credit card application process:
1. Fill in the application form;
2. The bank's own information, and a copy of these information;
3. The bank sends it to the credit card center;
4. The credit card center conducts audit, business card printing and card issuance;
After getting the card, I opened the card and waited for the password letter.
6. Being at least 18 years old is a mandatory requirement for applying for a credit card, but without a work certificate, it is easy to refuse to apply for a credit card. Therefore, if there is no unit, it is best to have fixed assets such as real estate and automobiles or a stable source of income. You can also go to a bank with transactions, get a bank flow certificate, and apply to the bank. If the income source is relatively stable, the application success rate is still very high.
Do I have to check my credit when I apply for a credit card?
To apply for a credit card, you must be at least 18 years old and have a stable income or other economic proof before you can apply for a credit card.
Credit card processing conditions:
1, the minimum application age stipulated by the bank is 18 years old, and the maximum application age is 60 years old;
2. I need my second-generation ID card;
3. There is a work certificate and income certificate stamped with the financial chapter of the unit;
4. No bad credit record;
5. Other financial certificates, such as real estate, automobiles, stocks and bonds.
Materials required to apply for a credit card:
1, applicant's ID card;
2. Credit card application form of the application bank;
3. Work certificate and income certificate stamped with the financial seal of the unit;
4. Individual businesses need individual business licenses and tax bills for nearly three months;
5. Other financial proof: income tax withholding certificate; Copy of self-owned real estate license; Copy of self-owned car driving license.
Credit card application process:
1, fill in the application form;
2, to the bank's own information, and a copy of the information;
3. The bank sends it to the credit card center;
4, credit card center audit, business card printing, card issuing;
After getting the card, I will open it and wait for the password letter.
Do I have to hold my ID card to apply for a credit card?
To apply for a credit card, you must be at least 18 years old and have a stable income or other economic proof before you can apply for a credit card.
Credit card processing conditions:
The minimum application age stipulated by the bank is 18 years old, and the maximum application age is 60 years old;
Need my second-generation ID card;
A work certificate and income certificate stamped with the financial seal of the unit;
No bad credit record;
Other financial certificates, such as real estate, cars, stocks, bonds, etc.
Materials required to apply for a credit card:
The applicant's identity card;
Bank credit card application form;
Work certificate and income certificate stamped with the financial seal of the unit;
Individual businesses need individual business licenses and tax bills for nearly three months;
Other financial proof: income tax withholding certificate; Copy of self-owned real estate license; Copy of self-owned car driving license.
Credit card application process:
Fill in the application form;
Information of the bank itself, and copies of these information;
The bank sends it to the credit card center;
The credit card center conducts audit, business card printing and card issuance;
After getting the card, I opened the card and waited for the password letter.
Is it necessary for me to apply for a credit card for the first time?
Yes, you must apply in person.
For example, the basic conditions for applying for a CCB credit card are: at least 18 to 70 years old, with full capacity for civil conduct; Have a stable occupation and income, be able to repay the principal and interest on time, and have a good credit. This requirement is not high. If you work in a regular unit, the unit must pay five insurances and one gold continuously, and your personal credit record is good, so it is possible to apply for a credit card.
You can apply directly at CCB official website Online. If you have CCB's online silver shield, you can choose to verify it when you apply, and you don't need to go to the outlets to sign it in the future. If the new customers who have not verified the online banking shield must face-to-face interview, the bank will send a text message to let you go to the nearest CCB outlet for face-to-face interview after the first trial is passed. When signing face-to-face, you only need to provide the original ID card without other materials. In addition, mobile banking and WX (China Construction Bank) can also apply for credit cards.
If you can submit some financial proof and hope to get a higher quota, it is recommended to prepare your ID card and financial proof and apply at a nearby CCB outlet. Pay attention to the newsletter after application, and the bank will send you a newsletter after reviewing the progress and results.
Do I need to apply for a credit card in person?
Generally, banks require users who apply for their first credit card online to bring valid identity documents to the counter of their bank for approval and activation, because the bank needs to sign in person to confirm whether it has been processed. Users are advised to contact the telephone customer service of their bank by telephone to understand the specific requirements.
If the user and the bank credit card staff are offline, they can activate directly online after receiving the card, without going to the bank.
1. Credit card is a tool provided by banks to eligible applicants for overdraft consumption. The main function of credit card is overdraft consumption. Don't use credit card as a savings card. Pay attention to rational consumption in the process of using credit cards, handle reasonable installment and minimum repayment amount, and don't cash out to avoid adverse effects on yourself.
With the development of economy, more and more people use credit cards, and the overdraft function of credit cards provides more convenience for people, but we should also pay attention to some matters in the process of using credit cards.
2. How to use the credit card:
1. Activate the credit card. Only after you have successfully applied for a credit card can you use it.
2. Consumption or cash withdrawal: after the credit card is activated, it can be used for consumption, can be bound to Alipay, WeChat and other software for consumption payment, and can also be used by merchants. If you are in urgent need of cash, you can also withdraw cash through the bank counter or ATM.
3. Repayment: repay the arrears after consumption and cash withdrawal on schedule, so as not to affect future consumption.
3. Precautions for using credit cards:
1. Repayment on time: If the arrears are not paid off on time, their credit records will be affected and liquidated damages for delay will be charged.
2. Diversification of consumption: You can spend credit cards in places you don't use, such as restaurants and shopping malls.
3. Don't swipe your card too short: Don't swipe your card too often. If the card swiping action is abnormal, it is easy for banks to control risks.
Don't blindly pursue high quotas. Many people pursue credit card limits. In fact, the credit card limit is enough for you for one month. Too high a quota will sometimes promote your consumption. If the card is lost, there will be security risks.
Your monthly spending has nothing to do with the credit card limit. Strictly speaking, it depends on your income level. Don't spend blindly because of the high credit card limit.
Do I have to apply for a credit card in person?
Yes, the credit card needs to be handled in person, even if it is an online application, the follow-up interview should be attended in person.
Can I open a credit card instead of myself?
The credit card counter must be opened in person, and others can open the card through other channels, but they need the relevant information of the card owner.
According to Article 49 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, the issuing bank shall establish operating procedures for credit card activation and check the identity information of credit card holders before activation. A credit card whose applicant has not signed a contract (agreement) and whose identity has not been confirmed by the activation procedure shall not be activated. The new card, lost card, damaged card and expired card must be activated before the cardholder can use it.
The credit card is not activated by the cardholder, and no fees may be charged. Under special circumstances, except for the cardholder's written charge, customer service telephone recording, electronic signature and the way recognized by both the cardholder and the issuing bank, the creditor-debtor relationship formed when changing the card. Without the activation and use of the cardholder, the credit card shall not issue any gifts or gift certificates.
Extended data:
Measures for the supervision and administration of credit card business of commercial banks Article 53 Without the cardholder's application and the opening of the card service exceeding the credit limit, the credit card shall not deduct the excess fees in any form. Cardholders can use oral (customer service telephone recording), electronic and written methods to open or cancel the card service that exceeds the credit limit.
The issuing bank must provide information such as the charging form and calculation method of the over-limit fee before opening the card service for the cardholder, and clearly inform the cardholder of the right to cancel the over-limit card service. After the issuing bank collects the overrun fee, it shall clearly list the overrun fee amount of the corresponding billing cycle in the statement.
Baidu Encyclopedia-Measures for the Supervision and Administration of Credit Card Business of Commercial Banks
Must I apply for a credit card in person? Let's stop here.