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There are many credit card loan platforms, and some banks also provide credit card loan services. For example, good loans from Bank of Communications, good cash loans and good commercial loans, as well as E loans from China Merchants Bank, financial intelligence from Guangfa Bank, Yi Dajin from Huaxia Bank and so on.

Credit cards can be used not only to overdraw consumption and buy goods, but also to apply for loans. There are many credit card loan platforms, and some banks also provide credit card loan services. For example, good loans from Bank of Communications, good cash loans and good commercial loans, as well as E loans from China Merchants Bank, financial intelligence from Guangfa Bank, Yi Dajin from Huaxia Bank and so on.

Among them, Easy Loan is an exclusive automatic installment business for eligible cardholders. After the cardholder completes the signing, when the eligible transactions exceed the set initial amount, the amount of easy loan will be used and automatically converted into easy loan installments according to the number of periods previously signed by the customer. Good cash loan is a cash consumption credit service specially provided for high-quality main cardholders. The successful loan amount will be transferred to the cash account of Bank of Communications' good cash loan business, and customers can go to the bill payment APP to withdraw cash. Good commercial loan is also an automatic installment business customized for eligible cardholders. After signing the contract, customers will spend money in designated industries (only car purchase is supported for the time being) or designated merchants (automobile/education/wedding/medical care, etc.). ), when the consumption amount reaches the set initial amount, the transaction will be automatically carried out in stages.

E loan invitation is a short-term cash credit business with daily interest provided by qualified credit card holders. After the customer successfully handles the transaction, China Merchants Bank transfers the money to the valid one-card account opened by the cardholder in the bank or other bank debit cards supported by the bank, and the funds obtained can be used for daily consumption. Caizhijin is a credit card service provided by Guangfa Bank for cardholders to repay by installments through overdraft transfer. After the customer's application is successful, Guangfa Bank will transfer it to its designated domestic savings account with the same name by overdraft transfer. E-Gold is a cash solution provided by Huaxia Bank for qualified customers by combining the functions of credit card withdrawal and installment payment. Customers can automatically use credit cards to pay in installments and borrow cash in advance. Within the credit line of Yidajin.

What are the formal channels for handling credit cards?

Credit cards can be overdrawn before repayment. Many friends like this consumption concept, so in 20 17, more and more people want to apply for credit cards. However, if you choose some informal channels to handle the card, it will bring endless trouble. The following are some formal channels for handling cards.

First, the bank counter or official website.

As an issuing bank, there is definitely no more formal channel than a bank. Whether you go to the counter or apply for a card in a bank in official website, the confidentiality factor is very high, and the security of the receipt is also good, and there is basically no risk of customer information leakage.

However, there are some shortcomings in handling cards at the bank counter, and it is often necessary to provide complete information, such as identity certificate, work certificate, financial certificate, household registration book, credit cards of other banks (using cards 1 year or more than 6 months), etc. The more complete the materials, the easier it is to apply for a card, and the amount of approval for handling a card is also relatively high.

Second, third-party institutions authorized by banks.

In addition, such websites not only provide application channels, but also provide cardholders with some credit card information. When you apply for a card on this kind of website, you can browse the credit card information of several banks at the same time, without having to apply for one bank at a time.

Third, the third-party payment platform

Banks also cooperate with third-party platforms such as WeChat and Alipay. This kind of application channel is also very formal, with high safety factor and very fast card processing speed.

For example, if you apply for the credit cards of China Everbright Bank and Minsheng Bank on Alipay, after filling out the application form and submitting it, the bank will authorize you to check your sesame credit score and realize the second batch according to the sesame credit score.

These are the most common formal channels for applying for credit cards. No matter which channel you apply for a credit card, you should choose the card type that really suits you according to your income and consumption, and don't blindly pursue high platinum cards.

Generally speaking, as long as you have a stable job and a good credit record, it is no problem to apply for a credit card yourself.

Which platform is good for credit card application?

Question 1: Which platform is better for applying for a credit card? For the safety of customers' information, it is recommended that you apply through the channels provided by the bank.

If you meet the requirements for applying for China Merchants Bank credit card, you can try to apply in the following ways: 1. Online application: Please open China Merchants Bank Credit Card official website, select the horizontal menu "Apply for Credit Card"-"Apply for New Customer", select your favorite card type, and follow the prompts; 2. Please bring your original identity certificate, work certificate and financial documents to the business outlets of China Merchants Bank in person. 3. You can add "China Merchants Bank Credit Card Center" as a friend through WeChat, and click "I want to apply for a card". 4. Call the credit card customer service hotline of China Merchants Bank, select "3#" in the voice for credit card application consultation, and then select "1" to register for you, and inform the local staff to contact you to confirm the application. Please refer to the actual audit of China Merchants Bank for the credit card application results.

Question 2: There is a credit card platform. You can choose how much you want to apply for. For the personal data of which platform, you need to prepare the original ID card, the income and employment certificate issued by the company, the official seal or financial labor seal (you can ask the financial department to issue more for you), the work permit and the tax payment certificate (where you can go: the local taxation bureau can print the latest tax payment form 1 year by itself).

Get the application form: you can get it directly at the bank credit card center, download the application form yourself at the bank credit card center, or fill in the application form directly online.

Supplementary conditions for handling large credit:

1. This city has a fixed telephone number.

2. get married;

3. Household registration in this city;

4. Have housing;

5. Education level;

6. The nature of the work unit;

7. Statement of work

Pay attention to handling cards

Case 1: You already have a credit card. If you already have one or more credit cards and have a good repayment record, you only need to pay attention to one thing. Good consumer credit and repayment credit are the key to applying for a large credit card.

Handling large credit cards Case 2: Never used a credit card. In this case, it may be difficult to apply for a large credit card. So what does the bank look at? Your income and assets determine whether to give you a card and the size of the credit line. This is very simple. You can provide weighty asset certificates, such as income certificates, real estate certificates, mortgage purchase certificates, automobile property certificates, bank deposit certificates or securities certificates. Secondly, your work unit, personal ability, application experience and other certificates that can prove your personal ability will also help you get large credit cards, such as academic certificates, technical grade certificates and other qualification certificates.

Question 3: What are the requirements for applying for a credit card online? Which credit card platform is good? Can I ask you a few questions? Help you get a card?

Question 4: What kind of credit card is better to apply online? There are two ways to apply for a credit card at present. First, apply to the bank business hall; Bring personal valid certificates and related application materials (such as work unit payroll, etc.). ); The second is to apply through online banking. The general steps are as follows: 1. Log in to the bank credit card application page and select the type of credit card to be processed; 2. Enter the name, ID number, mobile phone number, email address and other information; 3. Download and print the application form, fill it out, and mail it to the mailbox of the credit card business department of the designated bank together with a copy of the ID card and application documents; 4. Wait for the bank's audit. In the meantime, you can check the progress of online credit card review. Generally, you should call the bank in time if you have any questions. However, if consumers know all the procedures and precautions for applying for a bank credit card, the application materials are complete and their personal credit is good, there is no need to worry about which bank's credit card is good, because you will find that all bank's credit cards are easy to apply for. Personal credit is very important among all the application conditions. Because all banks can check your personal credit records through the internal information sharing system. Therefore, whether you use a credit card or pay the water and electricity bills at ordinary times, you must ensure timely payment and repayment. In order to prevent overdue repayment and personal credit decline, consumers are advised to log on to my love card website and apply for various credit cards through my love card.

Question 5: What are the formal platforms for online credit card application in China? There are several formal aggregation platforms that aggregate the official credit cards of banks and classify the credit card categories, which is convenient for users to apply accurately and improve the card issuance rate, such as the Credit Community app.

Question 6: Which platform is free and easy to handle online credit cards? It is not recommended that the landlord apply for a credit card online. There is a certain risk of information leakage in handling credit cards online, which is not so necessary. It is also very simple to apply for a credit card now. Call the bank directly and say you want to get a credit card. A salesman will naturally contact you.

Question 7: Which is better, to apply for a credit card in a branch or online? Hello, if you apply for China Merchants Bank credit card, different channels will not affect the application result.

If you have never held a China Merchants Bank credit card, but there is a China Merchants Bank in your local area, you can apply for a credit card in the following four ways (without any handling fee):

1. Please log on to the credit card website cc.cmbchina/, and select "Credit Card Application"-"New Customer Application Channel" to apply through the online banking application and reservation platform of "Easy Appointment and On-site Handling". Fill in the simple reservation information online and wait for the bank's approval. If approved, the expert will contact you by phone to confirm that it will be handled on site for you. If you want to do this, please confirm your region first, and whether our bank can provide free on-site appointment (the result will be displayed after selecting the province/city/region);

2. Please bring your original identity certificate, work certificate and financial documents to the business outlets of China Merchants Bank in person. For the distribution of counters in our bank, please click on the map of China Merchants Bank outlets, then select the city, and then query the outlet information. 3. You can make an appointment to get a card through your mobile phone. If you pass the preliminary examination, someone will come to your work unit to handle it.

Click to make an appointment in ccclub.cmbchina/...30331C4. You can also call the customer service hotline and select 3#- 1 in the voice. You will be transferred to the specialist to register for you and inform our local staff to contact you to confirm the application.

Question 8: What is the best department to fill in when applying for a credit card? Recommendation: General Affairs (General Manager and Vice President), Finance Department, Administration Department and Purchasing Department.

Highlight: The incomes of these departments are relatively high and stable, and the most important thing is stability. Banks had better have a stable income. (For example, some business owners don't apply for card approval, but the following employees apply for card approval because the employee's income is stable, while the boss's income is unstable. There are profits, but there are also losses. )

Departments not recommended: production department, sales department, marketing department, business department, investment promotion department, etc.

Reasons for not recommending: The income of production department is relatively low and unstable, and the income of sales department and business department is even more unstable, mainly relying on commission.

Question 9: Which bank is better to apply for a credit card for the first time? Transportation, Guangfa feels that it used to be easier to apply, but now it may be stricter.

The bank where the salary is paid is the bank with the highest success rate. You can also try China Merchants Bank.

Is there a good platform for handling credit cards?

Official website, a major bank, is good, and you can choose to handle it according to your personal needs. Official website of major banks will have special credit card application platforms. Applicants can fill in the information directly on the internet, and then immediately send it to the bank credit card center for review. Only after the approval, they need to go to the bank for a face-to-face interview. This method is more suitable for people who already have a credit card and have a long working life. Apply for bank outlets: traditional securities. The applicant carries relevant information and submits it to the bank outlet. This way is safer than online application. If you want to apply for high funds, you can choose this traditional way. The materials submitted are more comprehensive, and the chances of passing the audit are greater, but it is relatively troublesome.

Mobile phone model: Apple 12 National Bank 5.7

Door-to-door visit by bank staff: save the face-to-face sign, contact the staff of the credit card center through the bank customer service hotline, indicate the intention of handling the card, and agree on the time and place for the salesman to handle the card at home. This method is suitable for people who are busy with work and have no free time, that is, it may be inefficient to handle the card and need to wait for the salesman to come to the door. Third-party organizations: large choice space. With the gradual expansion of the Internet financial market, there are many third-party card-handling platforms that cooperate with banks. Their security is similar to that of official website Bank, and there is no charge for the whole journey. Click the entrance and jump directly to the bank official website. This requires cardholders to be able to identify the authenticity of the website.

First, credit card applications can be processed offline and online. Offline card processing is generally to go to bank outlets, and there are many channels for online card processing, so you have to choose formal channels, otherwise you may be cheated of information or even lose money. One is the bank's official website channel, and the other is the third-party channel. Bank official website Channel: This is easy to find. Search the name of the bank that wants to apply for a credit card directly on the Internet, click the search result to enter official website, and then you can directly select the credit card that you want to apply for in official website, click the link and fill in the card information; Or scan the code in official website to follow the official account of the bank WeChat and download the bank online banking card. Although the methods are similar, the links are the same.

Second, third-party channels: First, our most commonly used third-party payment platforms, such as WeChat, Alipay, Meituan and JD.COM, can provide online card processing services; One is a third-party website that is said to cooperate with banks, where cards can be given as gifts or cashed back. Although it is attractive, it is difficult to guarantee that there will be no phishing websites trying to confuse the audience, so it is necessary to distinguish between formal and formal. In fact, it's easier to judge, because the bank is responsible for approving cards, so the link of handling cards is given by the bank. Just open a card page of a bank channel and compare the information to be filled in, especially depending on whether the bank and password are filled in the page. If it is likely to be a phishing website, just close the page directly.

Excuse me: Is there a reliable credit card processing platform?

The card must be handled through formal channels. Don't trust those who handle cards through informal channels. Most of them are lies. The following five ways to handle personal credit cards are recommended: 1. Make an appointment by phone at the bank and the staff will handle it at home. 2. Bring the original ID card, work certificate and financial certificate to the bank outlet. 3. Online banking. 4. Mobile banking. 5. The official WeChat of the bank is handled in the official WeChat account.

I. Channels for handling personal credit cards

1, make an appointment by phone, and come to the door. Call the bank's credit card customer service hotline, according to the voice prompt, transfer the service specialist to register, and the bank staff will come to the door on time for one-on-one treatment. Optional cards are complete, and any questions can be answered on the spot.

2. Deal with it at the exit. Bring my original ID card, work certificate and financial certificate to the bank outlet.

3. Online banking. Log in to online banking, enter the credit card application section, and fill in personal information to apply for a card.

4. Mobile banking. Download and log in to mobile banking, select the credit card section and apply for a credit card. When some banks' mobile banks apply for credit cards, the choice of card types may be restricted.

5. WeChat official account will be processed. If the bank opens the official account of WeChat WeChat, you can search for attention. The bank uses the official WeChat account, enters a credit card for processing, and fills in the reservation application materials for manual customer service verification.

Second, credit cards.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits. Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day.

Credit cards can be divided into: credit cards and debit cards according to whether they have the function of consumer credit; According to whether to pay the reserve fund, it can be divided into: credit card and quasi-credit card; According to the object of use, it can be divided into: personal card and unit card; According to the credit rating, it can be divided into: platinum card, gold card and ordinary card.

Pay special attention to the card must go through formal channels, safe and reliable, free of charge. Don't trust those who handle cards through informal channels. Most of them are lies. At that time, not only will the card fail, but money will also be lost and personal information will be leaked, which will not be worth the candle.

So much for the introduction of the credit card platform.