Credit card online card processing.

How to apply for a credit card online?

Credit card application online application process:

First of all, credit applications are divided into online and offline. Offline outlet application: First, prepare the application materials needed for the application, then go to the bank outlet to get the application form, fill it out and submit it together with the application materials, and then wait for the audit results.

Online application:

1, online booking application

2. Three to five working days after the appointment, a staff member will contact you to collect information.

3. It takes about 7 to 10 working days for the banking system to review personal information and call back.

4. If approved, the credit card will be sent in about 10 working days.

Among them, for most people, the conditions for applying for a credit card are similar. To apply for a credit card, you must meet the basic requirements, that is, the applicant must be a China native or a foreigner with permanent residency in China and compatriots from Hong Kong, Macao and Taiwan, with full capacity for civil conduct, a legal and stable source of income and a good credit standing.

In addition, if you can provide other financial documents (such as bank payroll records, income tax withholding vouchers, or documents proving the market value of houses, automobiles, deposits and investments, such as the copy of real estate license/automobile driving license/bank time deposit certificate, etc. ), can prove their economic level. Other documents for reference include: personal account list of social insurance in the last 6 months, water, electricity and gas bills, credit card bills of other banks, etc. ), which will be more helpful to understand your personal situation and judge the credit limit.

If the application is made by a minor, the consent of the guardian must be obtained. To apply for a credit card, you must have a stable job and the ability to repay on time every month; At the same time, the applicant must have good credit, and the bank with bad credit will refuse to release the card.

Relatively speaking, it is easier and more convenient to apply for a card online than offline, but in the end, it is necessary to have good credit information to prevent China Bank from refusing to release the card because of poor credit information during the card application process.

The following are the credit card channels of Ping An Bank, China Merchants Bank, Industrial and Commercial Bank, Agricultural Bank, China Construction Bank, Minsheng Bank, China Everbright Bank and China CITIC Bank. You can apply for it yourself if necessary!

Credit card applications of China Merchants Bank and Ping An Bank

Credit card applications of China Everbright Bank and China CITIC Bank

Credit card applications of Agricultural Bank and Minsheng Bank

Card-by-card online application process

First, users open online banking through Baidu browser to make an appointment application. Users must first fill in the application form on the bank credit card website, and then wait for the salesman to contact them.

Operating environment:

Brand model: Xiaomi 12Pro

System version: Android 1 1 version MIUI 13.

App version: v 13.4.0. 12.

Second, after the appointment is successful, the salesman will come to the door to handle the card for the user. The card handling process is the same as the ordinary card handling process, but the user needs to provide the existing credit card or bill.

At present, Guangfa, Ping An, Xingye, CITIC and China Everbright Bank can handle cards online.

Another way of saying credit card is that credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, and make repayment on the checkout date. Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts. 20 12 February, the bank confirmed that the credit card is safer without password, and if it is stolen, it will share the responsibility with the bank. Enjoy an interest-free period of 25-56 days (or 20-50 days). Credit card consumption enjoys an interest-free period, and the bill amount is paid off before the due repayment date, without any cost. There is no interest-free repayment period for cash withdrawal, and five ten thousandths of daily interest will be charged from the date of cash withdrawal, and the bank will also charge a certain percentage of cash withdrawal fee.

In the 1960s, credit cards sprouted and developed rapidly in developed countries in Europe and America, such as the United States, Canada and Britain. After more than 50 years of development, credit cards have been widely accepted in more than 95% countries around the world. In 1980s, with the development of reform and opening up and market economy, credit cards, as electronic and modern consumer financial payment tools, began to enter China, and have developed by leaps and bounds in the past decade. After the financial crisis and the ups and downs of the domestic economy, the credit card market in China has picked up. By the end of 20 10, the total number of credit cards issued in China has exceeded 200 million. In 20 10, the national interbank credit card transaction amount reached 5. 1 1 trillion yuan, and the consumption amount was 2.7 trillion yuan. The proportion of credit card consumption in the total retail sales of social consumer goods continues to increase.

According to the "20 13-20 17 report on the in-depth investigation and investment strategic planning of China's credit card industry", since 20 10, the China government has implemented a prudent monetary policy and adopted a series of moderate austerity measures to curb the excessive rise of asset prices and control inflation, which shows that macro-prudential and strengthening capital supervision have become the supervision of China's banking industry. According to the analysis, the evolution of industry structure is the further optimization and diversification of product structure, and the increase of research and development of new industry standards and mobile payment; Deepen credit penetration; Staging business is developing in depth. China's credit card market is still one of the fastest growing product lines in China's personal financial services market. Although the economic benefits of the industry are full of challenges, in the next 65,438+00 years, the average annual growth rate of credit card issuance in China will remain at around 65,438+04%, and the profitability will also be improved. It is predicted that the cumulative number of credit cards issued in China will exceed 800 million in 2020.

How to apply for a credit card online?

You can apply for a card online.

I. Online application process:

1. Enter the bank card application page through the ICBC portal or personal online banking.

2. Select the provinces and cities to apply for bank cards, and click Apply.

3. Fill in the application information completely according to the prompt requirements, designate the card receiving outlets, read the Instructions for Safe Card Use and the Automatic Repayment Business Agreement of China Industrial and Commercial Bank, and confirm whether you agree with the applicant's statement;

4. After confirming the applicant's statement, you can click "Submit" to complete the application process. After submitting the application, you can click "Continue to apply" to enter the product selection page and continue to apply for other products.

5. You can check the card processing progress through the counter, telephone banking, portal website or personal online banking.

6. After receiving the card, the reservation card collection outlet will send a card collection notification message to the applicant.

7. After receiving the card receiving notice, the applicant must present his/her valid ID card to the designated card receiving outlets for receipt confirmation, card receiving and business opening.

2. Which banks can handle cards online?

If you are the first card, there are many online applications. To be exact, common banks, especially those with lively ideas, such as China Merchants, CITIC, Transportation and Guangfa, can apply online. But in view of the bank's audit, you and the bank people need to see it in person. China Merchants Bank is a salesman who visits your company after you apply, as well as CITIC, Communication, etc. I will give you a card after the online preliminary examination, but this card can't be used for the time being, and it can't be officially opened until you personally take the card to the bank outlet for face-to-face signing. Otherwise, if not all applications are submitted by myself, it will violate the regulations of the CBRC. If you are not the first card, that is to say, you already have the bank's card and apply for a second card, then industry and commerce, construction, investment promotion, CITIC, transportation, people's livelihood, industrial development, etc. You can basically apply online.

3. What are the requirements for online card processing?

1. First of all, the credit card held by the applicant is in normal condition and has no bad credit record.

2. According to the information from the public channels, the banks that support credit card swiping at present are: China Bank, Bank of Communications, Shanghai Pudong Development Bank, China Everbright Bank, Huaxia Bank, Industrial Bank, Ping An Bank and China Guangfa Bank. Generally speaking, for these banks, the card with the longest service life and the highest amount in your hand will be more popular. However, you still need to consult the customer service of all banks. Each bank's card-to-card mode has its own rules.

3. When applying for a credit card, try to provide personal financial proof, such as: copy of self-owned property certificate, original and copy of motor vehicle driving license, copy of bank deposit (living) certificate, or copy of academic certificate, etc. 4. The service life of the reference card in your hand should meet the standard, at least for half a year, with a limit of not less than 5000 and no bad records. In addition, the number of cards in a person's name should not be too much. For ordinary people, four cards are almost the same.

How to apply for a credit card online

You can apply for a credit card online in the following ways:

1. Log in to the official credit card customer service center of the bank, click Apply to apply for a credit card, fill in personal information and submit an application. Example: Open the official website of China Bank, click online credit card application in the convenience service column, select the required card type, click Apply Now, enter information according to the personal authentication prompt, and submit the information.

2. Pay attention to the official account of WeChat in the bank credit card center and apply. Example: Pay attention to the official account of "China Bank Credit Card" on WeChat, click My Account-Credit Card Application Recommendation-Online Credit Card Application | Self-help Fast Processing, select the appropriate card type, click Apply Now, and enter relevant information.

3. Log in to mobile banking and apply. Example: download and log in to the personal credit card software "Pocket Life" of China Merchants Bank, click Finance-Card Application, select the card type, fill in personal information and apply.

Credit card type

According to the different card issuers, it can be divided into bank cards and non-bank cards.

Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card.

According to the different issuing banks, it can be divided into corporate cards and personal cards.

Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.

Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.

Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment.

According to different payment methods, credit cards can be divided into credit cards and quasi-credit cards.

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.

Quasi-credit card It is a credit card issued by a bank, which deposits first and then consumes.

According to the different circulation scope of credit cards, they can be divided into international cards and regional cards

International card. International card is a kind of credit card that can be used outside the issuing country and is universal.

Area card. Regional card is a kind of credit card that can only be used in the country or region where the issuing bank is located. Most credit cards issued by commercial banks in China belong to regional cards.

This concludes the introduction of online credit card application and online credit card application. I wonder if you have found the information you need?