Is it certain that the Bank of Communications will approve the card with a card, and is the Bank of

It is better to go to the bank to handle it.

Handling process: 1. The bank card must bring the ID card, because when you apply for the card for the first time, you need to save some money in the card, generally the minimum is about 10 yuan, and the card also needs a fee of about 10 yuan, so bring the ID card and 20 yuan (or more) in cash, and go to the local business outlets for processing.

2. After entering, you will see the lobby manager, the lobby manager will generally ask you what business you need to handle, you just need to tell you that you need to do a bank card, and the lobby manager will take out the corresponding ** for you to fill in.

3. Generally, slightly larger outlets will have a numbering machine, and people don't need to stand in line after the number, just wait for the counter to shout the number, go to the numbering machine, click on the new card business you need to handle, and take out the note, which will show the location of your row and how many people are waiting in front of you.

4. When the counter calls your number, go to the counter, hand over the filled ** and ID card to the bank teller, you will need to sign and enter the password when you apply for the card, the password is a six-digit number, and you should remember it after setting, which is the withdrawal password in the future.

5. After all the transactions are completed, you will get a bank card, and if you handle online banking business at the same time, you will get a password card or a U shield at the same time. Just leave with these things and your ID card.

Bank of Communications supports card application, but Bank of Communications requires customers to hold a card for more than one year.

In addition, according to the customer service of the Bank of Communications, the procedures for applying for a card with a card are the same as those for normal card application, and it will not improve the success rate of card application, but the amount of the card held before will have a certain reference value for the bank's quota.

Whether the card can be successfully approved depends on the application information submitted by the user and the credit record in the personal credit reporting system, and the bank will approve the system.

1. After a strict review, decide whether to approve the card and how much to approve.

If the card is overdue, infrequently used, or has a low limit, it is recommended not to use it as an auxiliary material for card application. You can provide some other proof of financial resources, such as real estate certificate, deposit certificate, car driving license, etc., to fully prove your economic strength and improve the success rate of card application.

The Bank of Communications credit card is a relatively easy credit card to approve, and the limit is not small.

1.Debit Card:

If you want to apply for a savings card, you don't need too much information, and the applicant can bring his ID card to the bank counter to apply for it. However, if you have a foreign household registration, you may also need to prepare a certificate of residence or a certificate of employment. And if it is a minor who wants to handle it, just let the parents accompany it.

Those who have ID cards can bring their ID cards, and those who do not have ID cards can bring their household registration books to handle it.

2.Credit Cards:

If you want to apply for a credit card, you need to prepare much more information than a debit card. Applicants not only need to bring their ID cards, but also need to provide local household registration or proof of residence, such as household registration booklets, temporary residence permits, utility bills, etc.

In addition, applicants are also required to provide personal proof of work income, such as work certificates, work permits, bank statements, etc. stamped by the employer. In addition, if the applicant has certain assets, he can also provide some proof of assets, such as large certificates of deposit, real estate certificates, car driving licenses, etc. In short, the more information you prepare, the better.

However, applicants can also choose to apply online, fill in the information on the application page, and then submit it and wait for the review result. After the review is approved, the bank will issue a card and mail it to the applicant.

Not supported. The Measures for the Administration of Bank Cards have corresponding provisions on it:

Article 28 When an individual applies for a bank card, he or she shall provide the card-issuing bank with the valid identity certificate of the person specified by the public security department, and after passing the examination and examination of the card-issuing bank, open a registered account for him.

Any unit that opens a basic deposit account with a financial institution within the territory of China shall apply for a unit card with the account opening permit issued by the People's Bank of China; The bank card and its account can only be used by the cardholder approved by the respondent and the issuing bank, and cannot be rented or lent.

Bank of Communications credit card. According to the way of credit card processing, the Bank of Communications credit card is the fastest, and the card can be received within a week after the online application, which is easy to apply for, but the limit is small; The approval of the credit card is also good, and the limit is not large, but there are relatively many activities; GF credit card is slightly stricter than the approval, but the amount is large, the card is not as fast as the Bank of Communications, and there are more activities;

Everbright Bank has approved well, and the online application is generally 5,000-10,000, with a relatively large quota and a lot of activities; In the case of Huaxia credit card, the limit is relatively large, the approval is relatively loose, and the activity is relatively small; The credit card limit of China CITIC Bank credit card is relatively large for women, while the card limit for men is relatively small, and there are fewer activities; The credit card approval of China Merchants Bank is slightly stricter, the limit is okay, and there are many activities; The credit card review of the four major state-owned banks is relatively strict, and the limit is relatively small.

Extended information: 1. According to the "2013-2017 China Credit Card Industry In-depth Research and Investment Strategic Planning Analysis Report", it shows that since 2010, in order to curb the rapid pace of assets and control inflation, China has implemented a prudent monetary policy and adopted a series of moderate tightening measures, indicating that macro-prudential and strengthening capital supervision have become the core of China's banking supervision. The pace and structure of credit delivery have had a profound impact. According to the analysis, the evolution of the industry pattern has further optimized and diversified the product portfolio, and also increased the research and development of new industry standards and mobile payment. deepening credit penetration; The installment business has developed in depth.

2. It is said that one day in the 50s of the 20th century, American businessman Frank McNamara entertained guests in a restaurant in New York, and found that he forgot to bring his wallet with him after dinner, and had to call ** to ask his wife to bring cash to the hotel to settle the bill, so he was deeply embarrassed, so McNamara had the idea of creating a credit card company. In the spring of 1950, McNamara and his friend Schneider invested $10,000 to establish the Diners Club, the forerunner of the Diners Club Credit Card Company, in New York. Diners Club provides members with a card that can prove their identity and ability to pay, and members can use the card to bill and spend at the designated 27 restaurants without paying cash, which is the earliest credit card.

This type of credit card that does not require a bank is a commercial credit card.

Bank of Communications itself supports card application, but Zhi Nai Jian holds his Xingchang Qinqiao credit card for card application, because the credit cards of the same bank are originally shared with the limit, and it is useless to apply for a few more credit cards, unless the limit is increased. However, in addition to Bank of Communications, banks such as Industrial Bank, China CITIC Bank, Minsheng, Huaxia, Everbright, and Pudong Development also support card application. You can give it a try.

Application requirements for applying for a card:

1.The applicant already has a credit card;

2.More than 1 year of credit card use by other banks;

3.The credit card status is normal and there is no bad record.

The applicant should prepare his or her original ID card and have taken the original credit card to the bank outlet to apply for a card to the staff. The purpose of applying for a card is to improve the efficiency of applying for a credit card and save the applicant's waiting time, not to facilitate users who do not meet the application conditions. If the applicant's credit card has a bad record, the bank will not approve the application for a card.

In addition, most banks say that they only need to provide the identity certificate of the cardholder and the existing credit card, but the cardholder may also be required to provide other supporting materials such as proof of employment, proof of income, etc.

A management fee of 25 yuan was deducted from the bank card. I checked it and found that 49 consecutive deductions have been made in recent years, totaling 1,200 yuan! What kind of money is this?

She had been living abroad for a long time, and when she returned to China, she found that her bank card had been deducted.

In July 2019, Ms. Zheng, who had been living abroad for a long time, returned to her home in Shenyang's Heping District. She suddenly found that her bank card was deducted 25 yuan in management fees. What kind of money is this?

After checking, Ms. Zheng learned that the original management fee had been deducted, and a total of 49 deductions totaled 1,200 yuan.

Ms. Zheng did not understand the money deducted by the bank. She remembers that when she applied for this bank card, she clearly said that there would be no management fee, but why did the bank deduct this fee?

Ms. Zheng approached the Bank of Communications to negotiate, hoping that the bank would return the 1,200 yuan. But the bank disagreed.

Ms Cheng argued that the Bank of Communications' deduction of the management fee was unreasonable. When the negotiations failed, she took the Bank of Communications to court.

Bank of Communications: A notice has been sent.

The court found that on March 20, 2007, Ms. Zheng chose "free" in the application form for the Ward Wealth Card (debit card) at the Liaoning Branch of Bank of Communications Co., Ltd., and from July 26, 2009, when Ms. Zheng's card balance was sufficient, the bank would deduct the "account management fee" or "management fee" from the card, which was 25 yuan per transaction. As of June 26, 2019, there were 49 in total.

Bank of Communications Co., Ltd. **** Liaoning Branch said that in accordance with the provisions of Article 3 of the Notice of the Bank of Communications Interim Measures for the Management of Ward Wealth Account Business, our bank has posted a notice of charges in its outlets. Because Ms. Zheng does not meet the grade standards, she is charged a management fee of 25 yuan per month.

The court held that Ms. Zheng applied for a debit card at Bank of Communications, and Bank of Communications should manage the debit card as agreed. Since the debit card filled out the application form stated "free", the bank should have waived Ms. Zheng's management fee as agreed. The court upheld Ms. Zheng's request for Bank of Communications to return the 1,200 yuan that had been received.

In April 2020, the court announced the trial result of the case and ordered Bank of Communications Co., Ltd. **** Liaoning Branch to return 1,200 yuan to the plaintiff, Ms. Zheng.

If you have a high-limit credit card in your hand, and you are in good condition and have not expired, then it is relatively easy to apply for a card at the Bank of Communications. When you apply for a new card, you can also provide more spare socks for proof of your financial resources, so that your credit card limit will be high.

Whether it is easy to apply for a card in the Bank of Communications depends mainly on whether the credit card limit in your hand is high or not, and whether it is overdue. If it is not overdue and the quota is high, it is easy to pass the review, and the Bank of Communications will generally give a similar amount.

1.Age requirement: Applicants must be between 18 and 65 years old, and some banks require 18 to 60 years old.

2.Valid identity documents can be provided: Valid identity documents include resident ID card, military officer ID, soldier ID, Mainland Travel Permit for Hong Kong and Macao Residents, Mainland Travel Permit for Taiwan Residents, foreign passports, etc.

3.Proof of work and income can be provided: proof of work and income issued by the unit with the official seal of the unit.

4.Proof of personal financial ability: such as salary records issued by the bank, or income certificates issued by the employer, as well as income tax deduction certificates, real estate certificates, vehicle certificates, ICBC fixed deposit certificates, etc.

Banks attach great importance to the applicant's credit history, and the status of the credit history plays a decisive role in whether the card can be successfully placed. Therefore, it is important for everyone to maintain a good credit history. The use of credit cards should be standardized, repay on time, and consume rationally.

When the credit is good, the bank will also raise the credit card limit according to the actual situation.