How to apply for an electronic credit card of China Bank?

1. Application: In most cases, citizens with full capacity for civil conduct (Chinese mainland 18-year-old citizens) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

2. Examination: After receiving the application form and relevant materials submitted by the applicant, the issuing bank shall examine 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.

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

4. Card opening: Since the card is mailed after the credit card application is approved, 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.

5. At the time of identification, the face of the credit card shall have at least the following information:

(1) Front: name and logo of the issuing bank, credit card type (organization logo) and holographic anti-counterfeiting logo, English or pinyin name, activation date (generally calculated to month) and effective date (generally calculated to month). The chip is attached to the front of the newly issued card, and the chip account and the card magnetic stripe account are two relatively independent accounts.

(2) Back: card magnetic stripe, cardholder's signature column (which must be signed after activation), service hotline, the last four digits or all (to prevent fraudulent use), and credit card security code (the last four digits of the signature column on the back of a credit card are used for credit card activation, password management, television, telephone, online transactions, etc. ).

6. Authorization: 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.

7. Use: Credit cards are usually limited to the cardholder's own use, and lending them to others is generally a violation of the use contract.

8. Cancel the card: Before the credit card is cancelled, the account balance must be settled, and the whole card cancellation process should be completed within 45 days after the application.

How to apply for digital credit card of Agricultural Bank of China?

Digital bank cards can be used in China UnionPay Express APP and major commercial bank apps. Take China UnionPay Express APP as an example, the steps are as follows:

1. Open the China UnionPay Express APP and click "UnionPay Card" on the home page.

2. After entering the card handling page, click "Handle the card now".

3. Fill in personal information such as name and ID number as required.

4. After submitting the application, you can complete the application for digital bank card.

Operating environment:

Brand model: Huawei nova7

System version: harmonyOS.2

Application version: v9.0.9

The so-called "digital credit card" is actually an "electronic credit card", which is a virtual card. After the customer successfully applies, the bank will provide a set of virtual, security code, expiration date and other information. After the customer is activated, it will be bound to the issuing bank's mobile banking, or UnionPay China UnionPay Express, and third-party payment platforms such as Alipay and WeChat, so that payment can be made quickly, and online and offline consumption of digital credit cards is no problem. When making online payment, check the digital credit card and enter the payment password. When spending offline, you can pay through mobile banking, UnionPay China UnionPay Express and Baby Pay scan code.

Banks with digital credit cards include: MasterCard of Bank of Communications, E-Card of China Merchants Bank, No Card of Ping An Bank, E-Card of Industrial Bank, Zhenqing Xiaobai Card of Guangfa Bank, E-GO Card of Shanghai Pudong Development Bank, E-Pay Card of China Construction Bank and E-Pay Card of China CITIC Bank. Digital credit card can't pay by credit card, only by scanning code. In addition, the advantages of digital credit cards are also obvious. After binding the third-party payment software, there is no risk of loss, as long as the user takes good care of his mobile phone.

Digital credit cards are different from credit cards:

1. The card format is different.

Digital credit card is actually a virtual credit card without a physical card. It consists of a set of virtual cards, CWV2 code, expiration date and other information.

Ordinary credit cards are real cards, and the bank sends us physical cards.

2. Different credit card forms

Digital creditors need other mobile payment tools, such as Alipay, WeChat, China UnionPay Express and JD.COM. The physical card can be bound for consumption or swiped online.

3. Different repayment methods

Digital credit cards can only be repaid online, such as through Alipay, WeChat and mobile banking.

In addition to online transfer repayment, physical cards can also be inserted into ATM machines to save money for repayment.

How to Open Electronic Credit Card in Zhangjiagang Rural Commercial Bank

The electronic credit card opening steps of Zhangjiagang Rural Commercial Bank are as follows:

1. Bring your bank card and ID card to the business outlets of Zhangjiagang Rural Commercial Bank.

2. Ask the staff to explain that online banking should be opened.

3. Fill in the relevant forms.

How to apply for a credit card online

First, open the bank credit card official website that needs to apply for a credit card.

2. Select the type of credit card to be processed as required, and then click Apply Now.

Third, fill in the application materials.

4. Submit the online credit card application form and wait for the approval result.

Take China Construction Bank as an example:

Operating environment:

Brand model: iPhone 13

System version: iOS 15.4

Application version: v5.7.0.003

Source of credit card products:

The earliest credit card appeared at the end of 19. From 65438 to 1980s, the so-called credit card was developed in British clothing industry, followed by tourism and business departments. However, at that time, the card could only be used for short-term commercial credit, and the money had to be paid back as needed. There was no long-term default and no credit line.

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.

It is said that one day in 1950s, Frank McNamara, an American businessman, entertained guests in a restaurant in new york. After eating, he found that he forgot his wallet and had to call his wife to bring cash to the restaurant. He was deeply embarrassed, so McNamara came up with the idea of establishing a credit card company. 1 In the spring of 1950, McNamara and his friend Schneider jointly invested110,000 US dollars to establish DinersClub in new york, the predecessor of Diners Credit Card Company. Diners' Club provides members with a card that can prove their identity and ability to pay. With this card, members can spend money in 27 designated restaurants without paying cash. This is the earliest credit card. This kind of credit card, which does not need to be handled by a bank, belongs to commercial credit card.

From 65438 to 0952, Franklin National Bank of California, as a financial institution, issued bank credit cards for the first time, becoming the first bank to issue credit cards.

1959, Bank of America issued an American bank card in California. Since then, many banks have joined the ranks of card-issuing banks. In the 1960s, bank credit cards were quickly welcomed by all walks of life and developed rapidly. Credit cards are popular not only in America, but also in Britain, Japan, Canada and European countries. Since 1970s, Hongkong, Taiwan Province, Singapore and Malaysia have also started to handle credit card business.

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 picked up on 20 16. By the end of 20 16, the total number of credit cards issued in China has exceeded 590 million. In 20 16, the transaction amount of credit card consumption in China reached 74 1.8 1 trillion, up by 10.75% year-on-year, and the proportion of credit card consumption in the total retail sales of social consumer goods continued to increase.

Here's how to apply for an electronic credit card.