Which bank in Ganzhou can handle credit cards?

Ganzhou can run China Bank, China Construction Bank, Industrial and Commercial Bank, Agricultural Bank, Postal Savings Bank, Bank of Communications, China CITIC Bank and Ping An Bank. The steps for handling a credit card are as follows:

1, application

In most cases, citizens with full capacity for civil conduct and a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

Step 2 review

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.

Step 3 issue cards

After the applicant successfully applies for a credit card, the issuing bank will open a separate credit card account for the cardholder at the issuing bank for shopping, consumption and settlement after cash withdrawal.

Step 4 open the card

Because the credit card application is approved by post, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened.

Step 5 ratify

The merchant and the bank confirm that the credit card is valid and contact the bank for authorization according to the contract signed with the issuing bank. Authorization is the amount that can be used to further prove the identity of the cardholder. Authorization is generally carried out when the usage specified in the contract is exceeded.

Step 6 use

Credit cards are usually only used by the cardholder himself, and lending them to others is generally a violation of the use contract.

Extended data:

Application conditions

1. There are certain age requirements for handling credit cards: you must have full capacity for civil conduct, that is, 18 years old and above.

2. Have legal and stable income and good credit.

3. Provide corresponding identification documents: a copy of ID card or military officer's card.

4. Work certification documents. Some banks also need to provide proof of income and financial resources. Financial proof can include a copy of real estate license, a copy of motor vehicle driving license, passbook, etc. Anyway, the economic proof depends on the individual's repayment ability, which is easier to handle.

5. proof of residence, which can be a copy of the household registration book, or a certificate issued by the street, or other certification materials. This is easier to do.

Baidu encyclopedia-credit card