It is quite difficult for most banks to handle credit cards (high-end platinum cards or diamond credit cards) with a quota of more than 50,000 yuan (most annual fees range from 1800-3888 yuan, and annual fees are inevitable). (The five major state-owned banks, such as Bank of Communications, must be invited by the bank to handle it).
There is no guarantee for handling 500,000 credit cards online, which is an advertisement made by some loan companies to attract cardholders to click on their websites. It is also possible that some lawless elements are playing slogans to defraud citizens' personal information. Once the information such as ID card is leaked to them, they will use your information to make fake documents or apply for credit cards. After a while. They will use these cards to maliciously overdraw and then let you repay.
Correctly handle credit cards and related knowledge;
Related knowledge of handling credit cards:
1. In most cases, citizens with full capacity for civil conduct (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank.
2. Handling a bank credit card: As long as the applicant works in the company (that is, has a direct source of income) and is over 18 years old, he can issue a work certificate and income certificate to the bank (at present, Guangfa Credit Card does not need to issue a work certificate, so long as the cardholder has a shift in one place, he can handle the Guangfa Bank credit card) and repay the loan on time.
3. Domestic residents need to provide: a completed and signed application form, identity certificate and income certificate; Foreigners and Hong Kong, Macao and Taiwan people also need to provide: a foreigner's residence permit (the reason for residence must be employment) or a foreigner/Hong Kong, Macao and Taiwan people's employment permit; If you are a private owner, in addition to the above information, you should also provide a copy of the business license showing the applicant's name, enterprise name and opening date (this premise requires that you are the legal representative of the business license).
4. If you want to apply for a large credit card (such as a platinum card), you need to provide proof of good economic strength, such as a copy of the real estate license and a copy of the automobile driving license (non-driving license); Copy of large deposit certificate, etc.
Relatively speaking, national joint-stock commercial banks are easier to handle than the five major state-owned banks.
6. There is no charge for handling credit cards. Whether it can be approved is subject to the final audit result of the bank.
Application materials to be prepared for handling credit cards:
1, identification: generally an ID card (if you use a new ID card, you need a copy of the front and back); Require soldiers to provide copies of military identity cards; Foreigners: passport and residence permit or employment permit; Taiwan Province people: Taiwanese certificate, employment certificate; Hong Kong and Macao people: Home Visit Permit and Employment Permit/Residence Permit); Temporary id card needs a copy of the second-generation temporary id card and household registration book valid for more than 3 months.
2. Work certificate: it can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and affix the official seal or personnel seal of the company), or a copy of the work permit/card verified and marked by the sponsor;
3. Proof of financial resources: If you want to apply for a large credit card or a gold or platinum card, it is recommended to provide more financial information. It can be a payroll record issued by a bank, an income tax withholding certificate, or a market value certificate of a house, a car, a deposit and an investment (such as a copy of a real estate license/car driving license/bank time deposit certificate) and other materials that can prove your 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. Mainly a copy of your certificate of deposit, real estate license and driving license of high-end private car. If you can provide relatively complete financial documents, it will be more helpful for us to understand your personal situation and judge the credit limit.
The main ways to handle credit cards are:
1, bank counter application (ID card, work certificate and income certificate need to be prepared);
2. Credit card application in official website;
3. Apply to the bank credit card salesman (at present, Guangfa Credit Card does not need to issue a work certificate, just contact the card salesman to apply for Guangfa Bank Credit Card);
4. You can apply on WeChat (as can other banks):
Industrial Bank: WeChat search WeChat official account pays attention to "Industrial Bank Credit Card Center" and clicks "Micro Card"-"Apply Now".
Guangfa Bank: WeChat searches the official account of "Guangfa Credit Card" and clicks "My Service"-"I want to apply for a card".
China Merchants Bank: WeChat search WeChat official account pays attention to "China Merchants Bank Credit Card" and clicks "I want it"-"Card recommendation".