how to apply for the VISA standard card of zheshang bank? What are the requirements
Zheshang Bank VISA standard card is a very good credit card, which is very suitable for overseas use. Many cardholders are attracted by the rights and interests of this credit card and want to apply for one, but they don't know what conditions to meet and how to apply. Let's take a look at it together.
1. Application conditions
1. Basic conditions: All individuals who have reached the age of 18, have full capacity for civil conduct and have legitimate and stable income can apply for a credit card master card from Zheshang Bank. The main cardholder can apply for supplementary cards for individuals over 14 years old.
2. Household registration requirements: All residents in China can apply for Zheshang Bank credit card.
2. required information
1. identification information: a copy of the second-generation resident identity card or military officer's card.
2. Work certificate (please provide any of the following work certificates): valid work permit, original work certificate stamped with the official seal of the company, labor contract, provident fund, social insurance, old-age insurance certificate and income tax withholding certificate.
3. supporting materials for Zhejiang merchants bank's credit card application: property right certificate of self-owned house, savings of the bank, financial voucher of the bank, and driving license of self-owned car (copies on both sides).
third, the application process
finally, fill in the relevant information step by step according to the prompts on the application page, and then submit it to complete the application.
Fourth, the application time
Pay attention to the official WeChat of Zheshang Bank, and you can check the progress of card application at any time. Generally, it takes about 4 days from submitting the card application materials to getting the card.
after receiving the credit card application materials from local cities, the credit card center should review and file, which takes 15 days. Then there is making cards, which usually takes two days.
the last step is to send the prepared zheshang bank VISA standard card to the cardholder by registered mail, which usually takes 7 -15 days. Counting the possible delay between each link, it is normal to get the card in 4 days.
zheshang bank VISA standard card
(SMS and other six major fees are free, and tax refund for studying abroad and shopping abroad is preferential)
Is it good to approve zheshang bank credit card
If you are uncertain, you can generally pass it easily. In fact, whether Zheshang Bank's credit card review is strict or not depends mainly on the applicant himself. After all, "there are a thousand Hamlets in the eyes of a thousand people".
Of course, Zheshang Bank, as a local commercial bank, has a relatively low application threshold and a relatively high pass rate. If you want Zheshang Bank to have a high credit card pass rate, applicants need to meet the application conditions.
what are the credit card application conditions of zheshang bank?
1. Applicants need to meet certain age conditions: over 18 years old and under 65 years old. Once the applicant's age is not in this range, he can't apply for Zheshang Bank credit card.
2. The applicant needs to be a natural person with full capacity for civil conduct and valid identity documents.
3. Applicants need to have good personal credit, and can't have overdue, cashing out or other bad behaviors. Relatively speaking, banks still pay more attention to the applicant's personal credit.
4. Applicants need to have a stable job and a legitimate source of income to ensure that they have the ability to repay credit card accounts, and provide work certificates and income certificates stamped with the official seal of the company.
5. Applicants need to have a certain economic foundation and provide certain financial proof to the bank, such as real estate license, automobile driving license, stocks, bonds, bank certificates of deposit, etc.
Generally, credit cards only get results so quickly when they apply online. Most bank online applications are rejected every second. After the first trial is passed, you can take the card with you, find a random outlet, and activate the face-to-face sign to use it normally. Therefore, after the initial review, there is basically no problem in activating the interview. However, some banks are also easily rejected when they face-to-face sign. For example, China Everbright and Agricultural Bank of China.
if the processing channel is not online application, then there is generally no preliminary examination. Even if there is, you can't see it. Generally, after receiving the card, you can use it immediately after direct phone call or software activation. However, the credit card of online application, even after passing, can't open the card by itself after getting the credit card. You need to go to the bank outlet for a face-to-face interview, and then you can activate and set the password for normal consumption. The reason is that credit cards must meet the "three relatives". The so-called three-witness refers to seeing your ID card with your own eyes, seeing your ID card with your own eyes, and seeing your signature with your own eyes. This is an essential part of credit card application. So it doesn't mean it's approved after the first trial, but it's really approved after the face-to-face signing.
Because the interview is very simple now, it is just a process, so everyone thinks that as long as the credit card has passed the preliminary examination, it is basically approved. But it is true that most banks do the same. If your credit card has passed the preliminary examination, just take it to any outlet for face-to-face interview after receiving it for a few days. There are generally three ways of face-to-face interview, one is for the teller to activate your face-to-face interview, the other is for the lobby manager to activate your face-to-face interview after verifying your ID card with pad, and the other is for the self-service face-to-face interview to activate through the VTM machine of the bank. No matter what kind of interview, it is basically a form now, but asking too many questions is just to make sure it is me. So in a sense, passing the preliminary examination means approving the card.
it's easy to approve the credit card of zheshang bank.
it's easy to approve the credit card of zheshang bank.
first, credit cards have a wide range of rights and interests. Which one is better? Not all credit cards in a bank are good, but it depends on where your consumption is concentrated, such as daily eating and drinking, online shopping, business trips and so on. Therefore, there is no specific answer about which credit card is better. Here is a list of some credit cards that can be collected from some banks, hoping to help.
Industrial and Commercial Bank of China: the first line of the universe features: no handling fee for cash withdrawal, quick withdrawal, free SMS reminder for consumption, 56-day interest-free period, no interest on the part that has been repaid when it is not fully repaid, and the points are of little use; Credit card recommendation: ICBC American Express Clear card is transparent in design and eye-catching; Free to drink online celebrity desserts such as Starbucks, Naixue Tea, Lele Tea, and Manji Dessert. If you spend 999 yuan in the current month, you can enjoy it in the next month. The annual fee is easy to waive, that is, if you spend 5 transactions or accumulate over 5, yuan; Binding WeChat can accumulate points, which is suitable for small partners who pay frequently on WeChat.
Second, China Construction Bank: a card-issuing friendly bank
Features: low application threshold, relatively more preferential merchants, mileage redemption for points, no SMS notification, and relatively short interest-free period of 5 days;
credit card recommendation: CCB American Express Guime card
The card has more rights and interests and a wide range, but it will be earned as long as half of it is used. Member of bicester (Yioulai) Shopping Village to enhance the shopping experience; Free care, moisturizing and water-locking care, eye care once, and experience high-end beauty care; Group cleaning, 2 people walking together and one person free of charge; 3 paradise, 2 adult tickets to send a child ticket, a good place to coax children in summer vacation; Fighting for luck, robbing 3.7 yuan of Starbucks 3 yuan coupons and so on.
Third, Agricultural Bank: a relatively people-friendly bank
Features: more activities, more outlets, quick withdrawal, 56-day interest-free period, SMS reminder, high threshold, low quota, long approval time, and score = ;
Credit card recommendation: Agricultural Bank of China American Express dazzles MengMeng theme credit card
Suitable for pet lovers. Free of annual fee in the first year, and free of annual fee in the following year after 12 times. The card surface can be DIY, and the big head of your master can be printed on it; Or choose one of six kinds of card faces, including cats, dogs and ducks. The rights and interests cover pet-friendly restaurants, pet supplies, pet hotels, and even pet insurance, etc., taking care of the needs of pets in all directions.
This concludes the introduction of Zhejiang Zheshang Bank's credit card processing and which banks in Zhejiang can handle credit cards. Did you find the information you need?