I have a bank of China mortgage, but can I still apply for a bank of China credit card?

No problem, you can handle it, especially if you have a mortgage in the bank, which means you have a real estate, but you can get a higher credit line.

Credit card processing conditions:

1, at least 18, but not more than 65 years old;

2. I need my second-generation ID card;

3. There is a work certificate and income certificate stamped with the financial chapter of the unit;

4. No bad credit record;

5. Other financial certificates, such as real estate, automobiles, stocks and bonds.

Extended data:

Card processing flow:

1, application

In most cases, they are people who have full capacity for civil conduct (citizens aged 65-438+08 in Chinese mainland) and have a certain direct source of income.

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. ?

Step 2 review

After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the review mainly include the application.

3. Credit card

No matter whether the content of the application form is true or not, the applicant should also evaluate his credit degree, and the individual should also review the relevant information of the guarantor.

Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand.

Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.

Step 4 issue cards

After the applicant successfully applies for a credit card, the issuing bank will open a separate credit card account for the cardholder at the issuing bank for shopping, consumption and settlement after cash withdrawal.

Step 5 open the card

Because the credit card application is approved by post, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened. Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements.

At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card.

After accepting a credit card, a credit card merchant or bank shall review the validity of the credit card and the identity of the cardholder.

Step 6 identify

The credit card has at least the following information on its surface:

Front: name and logo of the issuing bank, credit card type (organization logo) and holographic anti-counterfeiting logo, card number, English or pinyin name, activation date (generally calculated to month) and effective date (generally calculated to month). The chip is attached to the front of the newly issued card, and the chip account and the card magnetic stripe account are two relatively independent accounts.

Back: the magnetic stripe of the card, the cardholder's signature column (which must be signed after activation), the service hotline, the four or all digits after the card number (to prevent fraudulent use), and the credit card security code (the three digits immediately after the signature column on the back of the credit card are used for credit card activation, password management, TV, telephone and online transactions, etc. ).

Step 7 ratify

The merchant and the bank confirm that the credit card is valid and contact the bank according to the contract signed with the issuing bank.

8. Credit card

Request authorization. Authorization is the amount that can be used to further prove the identity of the cardholder. Authorization is generally carried out when the usage specified in the contract is exceeded.

After receiving the authorization notice, the issuing bank will issue an authorization instruction according to the balance of the cardholder's deposit account and the agreement that the bank allows overdraft, and reply whether to agree to the transaction.

9. Use

Credit cards are usually only used by the cardholder himself, and lending them to others is generally a violation of the use contract.

10, pin card

The account balance must be settled before the cancellation of the credit card, and the whole process of card cancellation must be completed within 45 days after the application.

Baidu encyclopedia-mortgage

Baidu encyclopedia-credit card