How to open a credit card

Users can open credit cards through various channels after applying. Common opening methods include telephone banking, bank counter, short message opening and online opening. Users can choose the one that suits them best according to their own habits, and need to set the inquiry password and transaction password when opening.

Opening of bank counter: users bring their valid personal identity documents to any business outlet of the issuing bank for activation. You may need to fill out a business application form before activation.

Telephone opening: the user directly dials the official customer service hotline of the issuing bank, and then activates the credit card according to the voice prompt. You can also choose manual service activation directly.

Online merchant bank opening: users can log in to the issuing bank's credit card official website, select the credit card service on the home page, and then activate according to the prompts.

When the user opens the mobile phone, he can call the customer service phone on the back of the credit card and directly transfer the labor, and then the customer service will help you open it; It is troublesome to open the bank counter, and users need to handle it during bank working hours. If you don't know the specific steps, you can consult the service staff in the bank lobby.

In fact, when the bank mailed the credit card to the user, it had already explained the different opening methods in the envelope, and they were all very detailed. Users only need to follow the steps. After the credit card is opened, users can learn some basic information about it, such as billing date, repayment date, annual fee, withdrawal fee and so on. It is of great help to our daily use of credit cards.

The credit card can be used after it is opened. In the process of use, users should swipe their cards step by step, not all at once, especially the newly opened credit card, which will make the system think that users are cashing out. This often happens, the credit card limit will be reduced or the card will be blocked, which is what everyone needs to pay attention to.

When using a new card, users should diversify their consumption as much as possible, and the credit limit can be gradually increased. If the credit card limit is used too much, it will be very helpful to increase the fixed credit card limit later. If the quota is not enough, the temporary quota can be increased after 3 months, and users need to pay it off in one lump sum after use.

After using a credit card, you must repay it on time, and don't be overdue. If the overdue records are uploaded to the credit center, personal credit will become bad, and it will be more difficult for users to apply for loans from banks in the future.

How to open a credit card

Credit cards can be opened in the following three ways:

1, go to the bank counter to apply for a credit card.

Handling credit cards at the bank counter requires a lot of information, but if you can provide proof of assets such as automobile production, real estate and bank card flow, the credit card quota is also high.

2. Apply for a credit card online.

Applying for a credit card online is the most commonly used method. You can apply anytime and anywhere, with simple materials and fast approval speed. Finding a person with good credit information and high credit card limit to recommend you to apply for a card can also improve the chances of passing.

3. Handle the credit card through the salesman.

The advantage of getting a salesman to apply for a credit card is that they will try their best to help you with the card, because whether or not to apply for a card is also related to his own commission. Looking for a salesman to apply for a card will get some help in preparing materials and answering return visits.

Conditions for applying for a credit card:

1. Applicant 18 years old or above, with full capacity for civil conduct;

2. Have a stable income and be able to repay the arrears on time;

3. The applicant has good personal credit;

4. Other conditions stipulated by the bank. Usually, when users apply for the first time, they can consider the universal card launched by the bank, so that the bank will pass the examination quickly and get the credit card soon, but the amount will not be too high.

To apply for a credit card, you need to prepare the following materials:

1, work certificate and income certificate. You need to go to the bank to get this certificate application form, and then fill in some basic information yourself, and then give it to the work unit with official seal and then hand it over to the bank.

2. Social security payment certificate. Social security payment certificate is a good proof of job stability, and the success rate of applying for social security card will be improved.

3. Proof of deposit. If there is a bank deposit, the applicant can issue a deposit certificate in the bank and then apply for a credit card from the deposit bank, which will improve the success rate of card handling.

4. Vehicle driving license. If you apply for the owner's credit card, you also need to provide the vehicle driving license.

5. Real estate license. Now, if you want to apply for a large credit card, you can use the real estate license as proof of property.

6. Existing credit cards. If you have a credit card from another bank, as long as it has been used normally for more than 3 months, it can be used as an additional material for applying for a card.

How to open a credit card

There are three ways:

1. Call customer service.

2. Open online banking.

3. The counters of local outlets are open.

If you want to apply for a CMB credit card, you need to be 65,438+08-60 years old. If you can provide your ID card (temporary id card needs a copy of the second-generation temporary id card and household registration book with a validity period of more than 3 months), work certificate and income proof materials, you can try to apply. If you need to attach a copy of the driving license to apply for a car card, if the local branch has clear regulations, the regulations of the local branch shall prevail. Subject to the final audit result of the credit card.

You can log on to the credit card website, select "Credit Card Application"-"New Customer Application Channel" and apply through the online banking reservation platform of "Easy Reservation, On-site Handling". You can fill in the simple reservation information online and wait for the bank's approval. If it is approved, we will conduct a preliminary examination first. If you pass the preliminary examination, there will be two subsequent card processing processes. One is that if you pass the preliminary examination, a card clerk will contact you to collect it. The other is that you will receive a short message from our bank, asking you to sign at the outlet to confirm your application, or send you a card directly. You can sign the activation card at the counter. The details shall be subject to the notice of our bank after the first trial is passed.

If you have a card to activate, there are four common channels for card self-activation:

1. Log in to the credit card website, click "Open Card (New Card Activation)" on the right, and follow the prompts.

2. Pocket Life APP selection-full card management-one-click card opening. You can also open the card according to the prompt input information.

3. WeChat pays attention to "China Merchants Bank Credit Card" and follows the prompts after clicking on the card opening progress.

4. Call 4008205555-4# to open the card-just follow the prompts.

Warm reminder: please sign on the back of the card, which is consistent with the signature on the application form.

If the card has been issued, you need to go to any counter of China Merchants Bank for face-to-face signing after receiving the SMS, and you need to activate the face-to-face signing at the counter. Please bring your face-to-face SMS, original ID card and credit card to any counter of China Merchants Bank.

Conditions for handling credit cards:

First: proof of income. Applicants are required to fill in the name of the company, as well as the monthly salary and work. This demand is real, because the bank will confirm whether the applicant has enough repayment ability according to the income.

Second: credit report. Personal credit information should be good. If there are overdue or unpaid debts, then the application will be more difficult to pass. Credit investigation is also a measure of the applicant's credit, which will largely determine the success rate of the application.

Third: identification. The applicant must be an adult aged 18, and must provide true and valid certificates. Such as: ID card, passport, military officer's card and so on.

The bank will verify and evaluate the applicant according to the above three conditions, and because everyone's situation is different, the credit card amount applied for is also different. If the comprehensive conditions are better, the credit card limit will be higher.

This concludes the introduction of how to open a credit card and how to open the WeChat payment function. I wonder if you have found the information you need?