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If you don't have a bank card, it doesn't cost money.
Materials to be prepared for bank card: ID card, about 50 yuan in cash, and a copy of ID card.
Precautions for applying for a bank card:
1. Some banks will charge a certain annual fee to the applicant, generally 10 yuan, which is charged once a year at a fixed time. If the applicant applies for the bank card only for the purpose of using it once, it can be considered to cancel the card after using it to avoid paying more annual fees.
2. When applying for a bank card, the bank staff will actively recommend you to handle relevant electronic services, such as online banking, mobile banking, etc. For this kind of business, the customer chooses to handle it freely, and there is no binding handling, and the user should handle it according to his own needs.
3. Common third-party accounts are wealth management accounts such as ** account, ** account and *** account. For customers who have financial needs in this regard, when applying for a bank card, they can ask the bank staff to open it together. It should be noted that the account can only be signed with one bank account, and if you want to change the bank, you need to cancel the contract of the previous bank account first.
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User account opening process: 1I brought my ID card and a copy of my ID card and told the staff to open an account and apply for a bank card.
2.The staff will issue a "Personal Settlement Account Management Agreement" to read and sign with your name. 3.
Fill in another one"Application form for personal card issuance"and hand it over to the bank staff. 4.Then enter the password on the device (the password is to be memorized).
5.After the password is confirmed three times, the staff will issue the bank card. Generally, there is no handling fee for card issuance, but some banks charge a cost of 5 yuan for savings cards (debit cards).
There is no charge for applying for a credit card. Applying for a credit card is free of charge. As long as you provide a valid personal identity certificate, a stable income certificate and a fixed job certificate, a personal asset certificate, if the real estate, car, savings, etc., and a good personal credit history, you can apply for a credit card.
In addition, it is free to apply for a credit card, but the credit card has a certain annual fee, and now the annual fee is generally waived for the first year, and the annual fee for the next year is waived for 6 times in the first year, and so on.
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If you apply for a China Merchants Bank savings card, you will be charged a production cost of 5 yuan.
If you are over 16 years old, you can go to any branch of China Merchants Bank with your original ID card;
Under the age of 16, the guardian** can open an account, and the guardian and account user can issue a valid identity document, as well as a certificate of guardianship.
It is recommended to confirm with the branch whether you need to present other supporting documents before processing, please enter the homepage of China Merchants Bank, on the upper right side of the page"Convenient service"Select below"Map of outlets"Select a city to view the location of China Merchants Bank and**.
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No, but the bank card charges a basic card fee every year, and basically you have to deposit money into it.
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There is a fee.
A bank debit card will charge a handling fee of 5-20 yuan, and some are free of charge. For example, an ICBC card will charge a card opening fee of 5 yuan; A sign-up fee of 5 yuan is required to apply for a China Construction Bank card. Different banks will also have different fees.
If you apply for a credit card, there will be no charge, and it is free to go to any bank to apply for any credit card.
Most credit cards have an annual fee, but the annual fee is generally not very expensive. According to the relevant regulations of ICBC for bank cards, citizens should charge a card opening fee of 5 yuan when applying for bank cards; According to the relevant regulations of China Construction Bank for bank cards, citizens are required to charge a card opening fee of 5 yuan for bank cards. The fees for card application of major banks are as follows:
1) Industrial and Commercial Bank of China: 5 yuan for card application, no annual fee, 3 yuan for small account management fees below 300 yuan per quarter, and 2 yuan for inter-bank withdrawals in the same city.
2) Agricultural Bank of China: 5 yuan for card application, no annual fee, 3 yuan for small account management fees below 300 yuan per quarter, and 2 yuan for inter-bank withdrawals in the same city.
3) China Construction Bank: 5 yuan for card application, no annual fee, 3 yuan for small account management fees below 500 yuan quarterly.
4) Bank of China: 5 yuan for card application, no annual fee, no small account management fee, 4 yuan for inter-bank withdrawals in the same city.
5) Bank of Communications: 5 yuan for card application, no annual fee, 3 yuan for small account management fees below 500 yuan per quarter, and 2 yuan for inter-bank withdrawals in the same city.
Extended information: The process of applying for a bank card: bring your ID card and a small amount of cash to the bank branch; Fill in ** with the assistance of the bank lobby staff; Take the number and queue up, and at the same time copy the ID card with the assistance of the staff; Call the number at the counter, 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 must remember it after setting, this is the future withdrawal password; 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; After completing the card, you can leave with your belongings.
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No, but you need to deposit some money inside.
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The cost of the bank savings card (debit card) is 5 yuan, and the bank is free of charge for activities.
Present your valid ID (e.g. ID card or driver's license) to any branch of the bank. A current account must be opened first. The account balance must not be less than 10 yuan.
Withdraw the account with the seal. Non-loss-reported or frozen accounts, the account status is normal.
The main function of the savings card is to save deposits, and the cardholder can realize the functions of card consumption, ATM withdrawal, transfer, and various payment through the electronic payment network established by the bank and the magnetic stripe reading and manual password input of the card.
Expenses made through the card are equal to a decrease in the savings account balance. The account balance is zero, and the card's payment function is reduced to zero. The application for a savings card is very simple, does not require bank approval, and can generally be picked up immediately.
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Now there is no charge for bank cards, but you generally need to recharge 10 yuan to the card when you apply for a bank card.
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The smaller the bank, the less annual fees are charged.
But to use.
Transportation costs. You may want to consider the cost of interbank transfer.
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Shanghai Pudong Development Bank Puqi Limbal Debit Card does not need money to apply for Hengzai Na Card, and there is no money to apply for online banking with dynamic password.
**The card is handled at the counter of the bank that supports**, and you need to fill in a special list that is associated with you at that time.
Take your ID card to the bank to apply for a debit card and open online banking Only those over 18 years old can handle it It is recommended to choose ICBC Agricultural Bank of China CCB Because there are many outlets There are many online contracted merchants Other banks are worse Debit card production cost of 5 yuan Annual fee of 10 yuan If you don't want to be charged a small management fee Deposit more than 300 yuan Online banking does not charge for choosing a password card U shield method needs to be purchased about 60 yuan Register back and register and install on the computer In order to avoid detours It is recommended to hit the back of the bank card ** number Please professional ** guidance.
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