How can there be a credit card without it?

I haven't applied for a credit card, but my personal credit report shows that I have used a credit card before. Why?

Maybe someone stole your ID card and made one. Now it's best to use your ID card to cancel at the bank. Call the bank before you go and check whether your credit has been hacked. I once had a credit card that you didn't handle yourself, but the overdraft limit was 0. You can call the customer service hotline to cancel two cards. Ask CCB for specific reasons. You can call the bank's customer service hotline for consultation. It may be that two cards were filled in when filling out the application form, or that a secondary card was handled at the same time when handling the main card. Whether it is the main card or the two main cards, the credit line is shared. If the credit line marked on the card letter is 10000 yuan, then after using one card alone 10000 yuan, the other card cannot be used.

After receiving the credit card, you can call the customer service hotline of the bank to open the card and set the password. If you have an online banking shield, you can also log in to the online banking to open a card and set a password. Credit cards can be used for overdraft consumption and cash withdrawal. Your credit card limit is shown on the card. You can use it within this limit and repay it on time. The card is also marked with the date of the bill. After the card transaction, it will be settled on the account date, and 20 days after the account date will be the due repayment date. For consumption, you can enjoy interest-free treatment as long as you pay it off in full before the due repayment date.

Credit card application must be approved by my signature. When you go to the outlet to do other business, you can recall whether you have filled out the credit card application form. If not, you can call the bank customer service hotline to reflect.

Maybe someone stole your ID card and made one. Now it's best to use your ID card to cancel at the bank. Call the bank before you go and check whether your credit has been hacked. It is estimated that your personal information was leaked, and then someone got a card! You'd better check your credit information with the bank!

This is mainly due to the leakage of ID card information, and I have a similar situation, which does not have much impact. Maybe you filled in your personal information when you registered your information at the bank, and then someone opened one for you with your information. It doesn't matter if you're useless anyway. Maybe the bank made an oolong. Ask which salesman ran away from the bank, maybe we can find out the reason.

Suddenly I received a credit card without applying.

It is rare to receive a credit card without a credit card, but you don't have to worry. In this case, the credit card is generally inactive, so we can leave it there. If you are not sure whether to activate, you can call the bank. If it is activated, we can cancel it in the bank, but the credit card we handle without our knowledge is generally not activated, because the activation of the credit card requires me to take photos and upload it with my ID card.

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. 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.

According to 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. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

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. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

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. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.

What should I do if I receive a bank credit card without applying?

What should I do if I receive a bank credit card without applying?

Don't worry, I suggest you go to the credit card website of CCB first. There is "Card Processing Progress Query" on the home page. After entering the information as required, you can see the approval progress of the card, including the specific card type. Combined with the types of cards, you can recall the card handling situation from the following aspects.

First, have you received a short message or phone call from CCB inviting you to apply for a card?

Second, have you ever filled out a credit card application form for doing business in CCB outlets?

Third, when shopping in some department stores, airports, etc., have you filled out the credit card application form of CCB? (Because some CCB cards are issued by joint shopping malls and airlines, and they are both membership cards and credit cards)

Fourth, are there any other self-service channels to handle cards, such as websites, mobile banking and WeChat?

If you can't remember clearly, you can call the customer service hotline of CCB, and the customer service can confirm with relevant departments.

I didn't apply for a credit card, but I received it.

If it is our credit card, we need to call customer service for further verification and confirmation.

Call the credit card customer service hotline 4008205555, enter the account opening certificate number #-the system will enter the verification process -9 to enter the manual service, and the customer without a card will press 3# and then press 1-3 to enter the manual service according to the voice requirements.

What if I receive a text message without applying for a credit card?

If it is a credit card of China Merchants Bank, because Baidu is a third-party public network platform, we can't directly verify your actual personal data. If you don't apply for a card or the card is not activated, please call our customer service hotline, and then transfer to 3# credit card inquiry-1-3 to manual service to help you inquire.

I have a savings card of Zhang Jian Bank. Do you want to apply for Zhang Jian Bank's credit card?

It will be easier to have a bank current account.

I have a Zhang Jianxing credit card. Can I also apply for the Zhang Jianxing Gold Card?

You can apply, but it is not recommended.

It doesn't make much sense

Because the same ID card is shared by multiple credit cards of the same bank.

The same bank may have to bear more annual fees if it has more credit cards.

I didn't apply for a credit card. Why did I receive a credit card express? What a bother.

This is a liar, be careful! They will call you soon. Ignore them and don't get stuck.

I want to apply for a credit card of Zhang Jian Bank. Can I use a card?

CCB's credit card does not support other banks' credit cards.

There are roughly two ways to apply for a credit card in CCB, one is online channel application, and the other is outlet application.

Online channels for credit cards, such as mobile banking, WeChat and CCB credit card websites, do not need to pay additional financial proof. Banks will focus on the nature of the landlord, social security, provident fund, individual tax and personal credit, which can be found online. If these efforts are not much or not much, this method is not recommended.

Online application, which is the traditional way to apply for a credit card. When applying, you should bring your ID card, proof of work income (work permit, employment permit, salary card (preferably more than 3 months), tax bill, social security bill, provident fund bill for the last 3 months, etc. These are not necessary, but you can have them. If you can attach some financial certificates, such as real estate, automobile production, time deposit certificate of China Construction Bank, that's right. (In the case that proof of work income cannot be provided perfectly, it is best to have proof of financial resources. )

I have Zhang Jianxing's credit card. After using it for half a year, which bank can I go to for a credit card with a card?

Other banks can do it except China Merchants Bank, which can't do cards.

I didn't apply for a credit card, nor did my family, but I received a long credit card from China Bank today. What should I do? What is the reason?

Don't worry, it is suggested that the landlord can go to the credit card website of CCB first. There is a "Credit Card Service Hall" on the left. You can check the card approval progress after entering the information as required. There are specific card types in it. Combined with the types of cards, we can recall the situation of handling cards from the following aspects.

First, have you received a short message or phone call from CCB inviting you to apply for a card?

Second, have you ever filled out a credit card application form for doing business in CCB outlets?

Third, when shopping in some department stores, airports, etc., have you filled out the credit card application form of CCB? (Because some CCB cards are issued by joint shopping malls and airlines, and they are both membership cards and credit cards)

Fourth, do you handle cards through websites, mobile banking, WeChat and other self-service channels?

If you can't remember clearly, you can call the customer service hotline of CCB, and the customer service can confirm with relevant departments.

If the landlord has other questions, you can ask.

I lost a bank credit card. What should I do?

If you lose your card, you should call their 400 customer service number to report the loss immediately. You can have a look at another card that is not lost. This number is on the back. After reporting the loss, CCB will issue you a new card. However, for regular credit card loss reporting, CCB will deduct 50 yuan's loss reporting fee from the card. If your card is a magnetic stripe card, there is no extra charge for replacement. If it is a credit card with IC chip, 10 yuan will be deducted from the card replacement fee. The new card will be sent within 3 working days, so when you report the loss, you should confirm with the customer service where to send it.

I didn't apply for a credit card. Why did you send me a credit card?

Credit cards can only be issued after active application. You can call the bank customer service hotline to check the situation. If you do have a new card, but I don't know about it at all, you can check the specific application situation with the bank.

What happened? I haven't applied for a credit card yet, and the bank sent me a credit card consumption information. What happened?

What happened? I haven't applied for a credit card yet, and the bank sent me a credit card consumption information. What happened?

According to what you said, it is possible that your mobile phone number has been used by others before, and it is bound with a credit card, so the other party will send it to your mobile phone only when it is not used. Keep it in the bank, so this will happen.

What should I do if my mobile phone number is registered by others?

It is recommended to call the banking center for consultation.

There should be a bound account in the text message received at the same time.

There are two possibilities for this situation:

1. The card you bought is not a new number. It has been used before.

2. When the account owner handles the business in the Agricultural Bank of China, there is an error, which may be an error in reporting or an input error by the bank personnel.

The specific process is as follows:

① Copy the ID card with the assistance of the staff in the bank lobby and queue up at the same time.

② Fill in a business application form, select "Change reserved mobile phone" in the business application column, and attach the mobile phone number that needs to be bound now. If you have any questions about other items in the application form, you can refer to the template provided by the bank or consult the lobby manager of the bank. Different banks need to fill in different application forms with different names. Take ICBC as an example, application forms for other businesses need to be filled out. )

(3) After calling the number, hand over the bank card, the original ID card, the copy of the ID card and the business application form to the counter staff, and then modify the settings to reserve the mobile phone.

What does a credit card mean?

A credit card is a credit certificate issued by a commercial bank or a credit card company to eligible consumers. 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.

Credit cards are generally plastic cards with a special carrier, 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 the chip, magnetic stripe and signature strip are printed on the back. Cardholders can use credit cards to shop, spend money and deposit and withdraw cash from banks.

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.

How can there be a credit card without a credit card? Why can't you apply for a credit card without credit problems? This concludes our introduction. I wonder if you found the information you need from it?