The employee number of the recommender is the number of the bank staff. If there is no recommended employee, you do not need to fill in the application form by filling in the credit card application form. The content of the application form generally includes the name of the applicant, basic information, Economic status or source of income, guarantor and his or her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank.

After the customer fills in the application form truthfully, he or she must also submit relevant credit certificates while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.

Credit card review

After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. The creditworthiness of the applying unit must be evaluated, and the relevant circumstances of the guarantor must also be reviewed for individuals.

Based on the application information, the bank will examine the applicant's various information and financial situation to determine whether to issue a credit card to the applicant. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.

The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand. The standards of each card-issuing bank are also different. Therefore, the same materials may be issued with different credit limits and different types of credit cards in different banks. Some banks may even approve the application, while others may reject it. .

How to open a bank electronic account? The details are as follows

A bank electronic account is equivalent to a virtual account. After opening an electronic account, there is no physical card, only one account number. Users can bind third-party payment or mobile banking through this account to handle some financial services, including transfers and consumption. So how to open a bank electronic account? Let’s find out together.

How to open a bank electronic account?

A bank electronic account can be opened independently through mobile banking or through bank branches.

1 Mobile banking activation: Take Agricultural Bank of China mobile banking as an example. After logging in to mobile banking, the user selects "My Account"; then he or she can enter the personal bank account list and select "Electronic Banking" on the right. Account" and check the type of account that needs to be opened; then after the page jumps, select "Bind a registered account to open an electronic account"; select a type of account under your personal name, fill in the information as shown on the page, and you can successfully open an electronic account. .

2 Opening at offline outlets: Bring your personal ID card and first-class account to a bank branch to go through the opening procedures for electronic accounts.