Can I get a credit card without going through a bank?

Yes, you can apply directly online.

Application requirements: 18 to 60 years old, with full capacity for civil conduct;

Have a good credit history;

Have income from your job and have the ability to repay.

Application materials: Identification materials: a copy of the resident ID card or military ID;

Proof of employment and income;

Other proof of financial resources: such as a copy of the real estate certificate, a copy of the car driving license, a copy of the deposit certificate, etc.

How to apply for a credit card:

Counter application: Bring the credit certificate to the counter to apply:

The applicant is required to submit relatively complete asset certification documents and submit materials to IB for review by the bank's back-end audit department

After the review is passed, fill in the relevant information and identity information;

Issuance of credit cards.

Application for online banking: The applicant opens online banking with a savings card account under his or her own name and enters the official website of IB

Enter the card number, login password and verification code to enter the online banking page

Click "Credit Card Service", you can choose to apply for a credit card under the credit card service page, fill in the information and submit, and the review progress and results will be displayed on the online banking

After the review is passed, the credit card will be issued.

Counter process:

Go to the bank branch where you applied for your credit card, or ask the staff of the local CCB credit card center to fill out the credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or income**, the guarantor and its basic information, etc.;

Submit certain copies and certificates of documents to the card issuer

After filling in the content of the application form truthfully, the relevant credit certificate must be submitted at the same time as the completed application form;

The application form is accompanied by a contract for the use of the credit card, and the applicant authorizes the card issuer or relevant departments to investigate the relevant information, as well as submit a statement of the authenticity of the information, the privacy protection policy of the card issuer, etc., and must have the signature of the applicant

The credit card application process is basically completed, and the credit card is waiting to be issued.

No, you have to go to the bank.

The process of applying for a bank card:

1. Bring your ID card and a small amount of cash to the bank outlets

2. Fill in ** with the assistance of the staff in the bank lobby

3. Take the number and queue up, and at the same time copy the ID card with the assistance of the staff

4. Call the counter 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 applying for the card, the password is a six-digit number, and you must remember it after setting, which is the future withdrawal password;

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 secret card or a U shield at the same time;

6. Complete the card application and leave with your belongings.

There are two types of credit card (credit card) processing: activated and inactivated, the unactivated card is not used, and the activated card does not have to be cancelled

1. Inactive: If the credit card (credit card) is inactive after processing, then the card has been cancelled and cannot be used, and it will not cause any adverse impact or loss to the cardholder, and the card can not be used.

2. Activated: The credit card (credit card) that has been activated has an annual fee, and the corresponding number of sub-bends of the credit card (credit card) needs to be swiped every year to reduce the rent.

Affect the non-use of credit cards (credit cards):

Affects the success rate of applying for a credit card (credit card) from the bank in the future。Because this kind of inactive card is a dormant card, too many records will be considered a credit problem by the bank.

Generating annual fees causes bad credit。Although there is no annual fee if you do not activate it under normal circumstances, special cards may incur annual fees, and once the arrears are overdue, you will have bad credit.

Therefore, it is best to close the unused credit card (credit card) in time in the first year of applying for the card, and cut the card at the same time to prevent information leakage and protect the security of card use.

Generally speaking, there are two types of bank cards, one is a debit card and the other is a credit card (that is, a credit card).

The difference is that a debit card is like a passbook, you can only use it when you save money in it, and a credit card (credit card) is to spend first and then repay the money, just like a small loan.

Nowadays, for the convenience of use, almost all debit cards have the UnionPay logo, so you can almost meet your requirements when you go to any bank to apply for a debit card.

However, there are also more special, such as the Oriental card of Pudong Development Co., Ltd., which is a credit card (credit card), but at the same time he also has the function of a debit card, and it is meaningless to deposit money in the general credit card, because there is no interest, but the Oriental card also has the function of a debit card, so it has interest.

It sounds good, but in reality, it's just a marketing ploy by the bank that makes you feel like it's a good deal. Actually, it doesn't make sense if you spend a lot of money with your card. Because swiping a credit card is to spend future money, if you save money and use it again, you will lose the original intention of using a credit card.

So it's just a gimmick.

It is not a casual job, you need proof of work income and the bank to approve it before you can apply for a credit card. No guarantor is required.

The reason why you should never apply for a credit card (credit card) is because there are the following risks in applying for a credit card (credit card).

1. Credit cards (credit cards) are repaid on time in every installment, which is conducive to maintaining personal credit. However, if the repayment is overdue, the overdue record will be uploaded to the credit information system of the People's Bank of China, which will cause personal credit stains in the long run, which is not conducive to applying for housing loans, car loans and other businesses in the future.

2. The essence of credit card (credit card) is overdraft consumption, and some users have poor self-control, and it is easy to overconsume when applying for credit card (credit card). As a result, it will not only cause a debt crisis, but also face penalties such as collection and penalty interest.

At present, our credit card cannot handle the loan business, it is recommended that you consult the cash installment or the national cash installment business, which can also achieve the loan effect.

If you don't have a debit or credit card from the bank, you can take out a loan as long as you have collateral or more than three guarantors.

Credit cards cannot be borrowed. However, credit cards can be used to pay in installments.

What kind of bank credit card are you?