The so-called signing refers to the binding behavior with the network silver shield. That is, you take a credit card to the outlet and apply for binding with your online silver shield. If the binding is successful, the contract will be displayed online.
If the credit card shows that it is not signed, it will not affect your credit card use. When doing online transactions, you can pay by account number.
We can simply understand the signing of credit card as the credit card used by the signing user has more perfect functions.
Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.
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.
apply for
In most cases, citizens with full civil capacity (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. Sometimes, legal persons can also act as applicants.
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China.
When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank.
After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
Pin card
Before the credit card is cancelled, the account balance must be settled, and the whole process of card cancellation must be completed within 45 days after the application.
Face-to-face signing process of bank credit card (collection 18)
What is a face-to-face interview: go to the bank's outlets to verify the information and copy the ID card I have seen? Take a photo and sign it.
Credit card interviews are mainly aimed at applying for credit cards online. According to the requirements of the bank, the credit card application must be submitted by the cardholder himself and signed by him. The bank needs to verify the identity of the customer application materials obtained through the network. Therefore, after the applicant applies through the Internet, the issuing bank will send a short message to the applicant, informing him that he has passed the preliminary examination, and he needs to go to any branch of the issuing bank for face-to-face signing with his ID card within the specified time. After the card is issued, it can be used by direct activation.
Most banks can use it after successful face-to-face signing, and some need secondary audit.
Remember it's me. Bring my ID card with you when you face-to-face sign.
1, I have my ID card.
2. I mainly go to the outlets to check my identity.
Step 3 take pictures
4. Look at the applicant's signature in person.
5. Individual banks will consult some questions about filling in information when handling cards.
"Notes"
The specific operation of face-to-face signing varies from bank to bank.
1, China Everbright Bank (sign in person before sending the card)
First of all, I received a face-to-face SMS notification. After receiving the card, I can go to the outlet to sign it. Regional outlets may not be able to carry local accounts and various documents. It should also be emphasized that passing or failing is also mastery. In the hands of face-to-face interview operators, if TA chooses risk screening, it means failure. If TA chooses non-marketing channels, congratulations. The interview was successful. This option represents a card applied online. If TA chooses something else, don't let him submit the information, just switch to another outlet for an interview. Policies vary from place to place, and some places just check whether they pass the customs. The overall pass rate of personal feeling is 92%
2. Guangfa Bank (issuing cards before signing)
After receiving the card, go to the interview, go to the outlet or VTM machine. 7- 14, VIM machine is lucky for 24 hours. After the face-to-face signing of Guangfa, a second review is required. There is a possibility of getting through, why? Personal analysis, remote card handling, inter-provincial VTM card opening, This may be the reason. Personally, the overall pass rate is 96%
3. China Construction Bank (sign in person before sending the card)
Bring your ID card, and the lobby manager will take you to the machine to sign, take photos and sign. The whole process is relatively simple, and you can also check the quota on the intelligent teller machine.
The card was sent to the designated branch, and the face-to-face sign 100% passed!
4. Minsheng Bank (issuing cards before signing)
Take your card letter and ID card, fill in your name, mobile phone number and ID card number, copy two lines and take photos.
People's livelihood card in different places? There will be a phenomenon that the payment will not pass. Personally, the overall pass rate is 98%
5. China Agricultural Bank (sign in person before sending the card)
Go directly to the counter with your ID card, copy your ID card, copy a paragraph, and sign it; It may be that ABC doesn't pay much attention to credit cards. Card friends report that many outlets are unfamiliar with credit card business. Some will ask you to fill in a blank form, some will ask you to wait for your card before signing it, and some will ask for a local account or real estate license, and the bank will run smoothly ... In short, the Agricultural Bank of China is a mess, and each outlet is different.
The card was sent to the designated branch, and the face-to-face sign 100% passed!
6. China Merchants Bank (sign in in person before sending the card)
Just take your ID card, copy a paragraph and take a photo.
During the interview, many staff members will let the savings card deposit 1000, or buy wealth management, saying that it is to improve the probability and quota of handling cards, which may indeed be a little extra points. Depending on personal thoughts, many card friends refuse to save money or buy wealth management, but also get a card.
7. HSBC (issuing cards first, then signing)
The mailing address of the card is the company, and the address certificate (other bank's running list) is required for face-to-face signing. Copy a paragraph and take a photo.
Send it to your home address, take your card, ID card and card letter, write a paragraph and take a photo when you go.
8. CITIC Bank (send the card first, then sign it, then sign it before sending it)
First of all, you can go to the outlet for a face-to-face interview after receiving the SMS notification. In face-to-face interview, the counter will verify three pieces of information: work unit, telephone number and address? Don't answer wrong. It is possible not to pass the wrong answer. Personally, I think the overall pass rate is 98%. If you are asked about the credit line of other banks, you must say the true maximum line. Citic can refer to it. Personal newspaper Bank of Communications 5W, CITIC Card 5W. Face-to-face signing in the afternoon and quota payment in the evening.
9. Zheshang Bank (sign in person before sending the card)
I got the results the next day after receiving the credit call (some passed directly, but there was no return visit). When I activated it, I copied a paragraph directly with my ID card. I didn't ask anything else. It's simple. The card is ready and sent out.
Interview after obtaining the certificate, 100% passed.
10, Shanghai Pudong Development Bank (issuing cards before signing contracts)
Take your ID card and go to the front desk to make a copy, take photos and sign. Individuals will ask a few simple questions: address, work unit, telephone number, etc.
Or vtm machine is activated, connecting customer service video and asking a few questions, similar to Guangfa.
Interview after obtaining the certificate, 100% passed.
1 1, Citibank (in most cases, cards are sent first and then signed, and cards are sent first and then signed).
The application is troublesome and the interview is easy. You can come to the company or go to the outlet yourself, copy a paragraph with your ID card and sign it.
12, Industrial and Commercial Bank of China (sign on the front of the card)
Just take your ID card, copy a paragraph and sign it.
The card was sent to the designated branch, and the face-to-face sign 100% passed!
13, Bank of Communications (send the card before signing)
Take your ID card, credit card, card letter, take a photo and sign your name. Individuals will ask a few simple questions: address, work unit, telephone number, etc.
Interview after obtaining the certificate, 100% passed.
14, Huaxia Bank (send the card first and then sign it in person)
Take your ID card, credit card and letter, fill in the form and copy a paragraph.
15, Bank of China (send the card first and then sign it)
Take your ID card, copy a paragraph, copy your ID card, sign it, and take photos. Individuals will ask for proof of income, real estate license, driver's license or provident fund.
16, Industrial Bank (sign in person before sending the card)
Take your ID card to take photos and sign, and some individuals will ask some simple questions.
Interview after obtaining the certificate, 100% passed.
17, postal service (send the card first and then sign it)
Just bring your ID card, credit card and a copy of your ID card and sign it.
18, Ping An Bank (send the card before signing)
Interview after obtaining the certificate, 100% passed. If you have a debit card, you can open it directly by phone.
In fact, except for the second review and reexamination of China Everbright Bank and China Guangfa Bank, most of the face-to-face interviews are for the bank to confirm whether it is you, see your signature in person and take a photo. So most people don't make things difficult for others, as long as they prepare the information as required.
What is the credit card interview process?
Credit card interview process:
1. China Everbright Bank (sign before sending the card) just needs to bring your ID card, copy a paragraph, sign it and take a photo. Personal outlets need wages, property certificates and social security. The key is the final review after the face-to-face signing. The possibility of being rejected after face-to-face signing is the greatest compared with other banks.
2. After receiving the credit call (issuing the card first, then signing it), Guangfa Bank will bring its ID card and card and operate it on the vtm. There will be a video conversation with a special person, mainly to check whether it is me or the front desk to activate directly and copy a paragraph. Some individuals will ask for some basic information and work information when they apply for a card. It is best to activate it on the vtm machine. Generally, it takes one to two weeks to get the results on the same day, and some need a second review.
3. China Construction Bank (sign the card first and then send it) brings your ID card, and the lobby manager will take you to the machine to sign, take photos and sign. The whole process is relatively simple, and you can also check the quota at the ATM.
4. Minsheng Bank (send the card first and then sign it) brings the card letter and ID card, fills in the name, mobile phone number and ID card number, copies two lines and takes photos.
5. ABC (first sign in person and then send the card) goes directly to the counter with the ID card, copies the ID card, copies a paragraph and signs it; It may be that ABC doesn't pay much attention to credit cards. Card friends report that many outlets are not familiar with credit card business. Some will let you fill in a blank form, some will let you wait to apply for a card in person, some will ask for a local account or real estate license, and there will be running water in the bank ... In short, ABC is a mess, and each outlet is different.
6. HSBC Bank (send the card first and then sign it) sends the card to the company, and the address certificate is required for face-to-face signing (the running list of other banks). Copy a paragraph, take a photo and send it to your home address. Take the card, ID card and card letter, write a paragraph, take a photo and it will be OK.
7. Zheshang Bank (sign in person first and then send the card) will get the results the next day after receiving the credit call (some of them passed directly without returning). When activated, I will bring my ID card directly, copy a paragraph and ask nothing else. It's simple. Cards are made and sent out.
8. Citibank (mostly send the card first, then sign it, and then send the card in person) is more troublesome when applying. The interview is very simple. You can come to the company or go to the outlet yourself, copy a paragraph with your ID card and sign it.
9. Huaxia Bank (send the card first and then sign it in person) brings your ID card, credit card, card letter, fills in the form and copies a paragraph.
10. Bank of China (send the card first, then sign it) takes the ID card, copies a paragraph, signs the ID card and takes photos. Some individuals will ask for proof of income, real estate license, driver's license or provident fund.
1 1. Mail (send the card first and then sign it), bring your ID card and credit card, and just copy and sign your ID card.
12. Industrial Bank (signed before issuing the card) takes photos and signs with its ID card, and some individuals will ask some simple questions.
13. ICBC (sign on the front of the card) has an ID card, just copy a paragraph and sign it.
14. abbreviation of bank of communications (academic bank) (send the card first and then sign it) just bring your ID card, credit card and card letter, take a photo and sign your name, and some individuals will ask a few simple questions: address, work unit, telephone number, etc.
15. China Merchants Bank (signed before issuing the card) is referred to as the "boss" bank. Take an ID card, copy a paragraph and take a photo casually. Many staff members will deposit their savings cards at 1000 during face-to-face interviews, or buy wealth management, saying that it is to improve the probability and quota of getting cards, and there may indeed be a little bonus.
Pay attention to these points when signing a credit card in person: never be late. The most important thing for banks is punctuality. When applying for a credit card interview, be sure to arrive on time and never be late. Imagine that if you don't even have the most basic concept of time, it's hard for banks to believe that you are a man of your word. It should be noted that sometimes the location of the interview may be different from the location of the bank applying for a credit card, so you must remember the location of the interview before the interview and don't go to the wrong outlet.
All materials should be brought: in addition to my ID card and credit card, the applicant should also bring a card confirmation letter mailed with the card, which can only be used after the counter is activated. Only by bringing these materials with the bank interview can we ensure the success of the interview. Answer the question unequivocally: Generally, the bank credit card interview is only to confirm the identity of the applicant, so the bank staff will ask some personal information of the applicant to make sure that you are the applicant.
China Bank Credit Card Easily Share Signing Conditions
Signing conditions:
1. Automatic transaction installment: the contract amount is greater than 100 and less than or equal to the credit line;
2. Automatic bill installment: the contracted amount must be above 300 yuan (inclusive) and less than or equal to the credit line;
3. The shortest period of automatic installment signing should be ≥3 1 day, and the longest period should be ≤ the validity period of the card;
4. Individuals with normal status who are not cardholders of Great Wall supplementary cards can only apply for signing contracts if they trade in RMB (and are not allowed to sign cards in the card category).
The above contents are for your reference. Please refer to the actual business regulations.
This concludes the introduction of how to sign a credit card and whether there is a contract for handling it. I wonder if you have found the information you need?