How to apply for a visa credit card

The specific steps for applying for a visa credit card are as follows:

1. Credit card applicants need to first compare the benefits of visa credit cards from major banks. Choose a credit card that suits you. Before applying for a credit card, credit card applicants need to bring their valid ID, proof of employment, bank statements, social insurance payment and other proofs;

2. Fill in the VISA credit card application form , and provide the above personal identity certificate;

3. The bank may require credit card applicants to provide asset certificates, which will help increase the VISA card limit.

4. If a college student wants to apply for a VISA card, the applicant needs to provide his or her personal ID card, student ID card and other relevant documents. However, generally college students do not have stable jobs, and the credit limit will not be too high, or even 0;

5. The bank will review the application information submitted by the credit card applicant. After passing the review, the bank will send the credit card to the address filled in by the applicant.

7. After receiving the credit card from the bank, the credit card applicant needs to go through the credit card activation procedures according to the credit card issuance letter, and it can be used after activation.

Introduction to VISA credit card:

VISA credit card is a credit card jointly issued by the issuing bank and VISA International Organization. This credit card can be used at VISA authorized merchants worldwide. The credit card has the VISA international logo on it. VISA is an international card issuing organization. VISA International is operated and managed by Visa International Service Association (Visa International Service Association) located in San Francisco, California, USA.

Definition of credit card:

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Can college students apply for a VISA card?

College students can apply for credit cards. Citizens with full capacity for civil conduct (citizens over 18 years old in mainland China) and with certain direct financial resources can apply for credit cards from the issuing bank. But the chances of college students applying are relatively low.

VISA is not a card issuer, but an organization, which is equivalent to an alliance. Any bank that joins this organization can issue a VISA credit card, which can transfer funds, make payments, and withdraw cash across banks among all members of the VISA organization.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

The application form is accompanied by a contract for using the credit card. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have an application A person's autograph.

Extended information

Notes on applying for a Visa card

First of all, Visa and Mastercard are both foreign card issuing organizations. Which one to choose depends on the scope of the user’s activities. To make a decision, if you often travel in Asia or Australia or make purchases with credit cards, it is recommended to choose a Visa card, because Visa accepts a larger number of merchants in Asia and Australia, making it more convenient to use. Mastercard’s advantage lies in Europe and North America.

Secondly, if you mainly swipe your cards domestically and occasionally swipe your cards abroad, you must apply for a dual-currency credit card instead of applying for a Visa single-currency credit card (Visa single-currency credit card is currently more popular). few). Because a simple Visa card may not be able to be traded at domestic UnionPay POS machines.

Again, take safety precautions for your Visa card. Pay attention to the three-digit verification code on the back of the credit card. It is best to stick it with a small piece of paper. Try to keep the card with you when swiping the card, especially when swiping the card abroad. time. Because in foreign countries, Visa card holders often do not set a password for transactions. They only need to provide the merchant with a three-digit verification code and other information and sign to complete the transaction.

Therefore, once the verification code is leaked, it is very likely that the credit card will be stolen.

Finally, after using the Visa card for overseas shopping or overseas consumption, the account needs to be repaid. Currently, the common repayment methods include the following two: repayment by purchasing foreign exchange and automatic foreign exchange purchase, and RMB settlement. More and more banks have opened repayment methods of automatic foreign exchange purchase and RMB repayment, providing convenience to cardholders.

This method means that after the cardholder uses a credit card for transactions, each overseas transaction will automatically purchase foreign exchange and convert it into RMB for accounting, and the cardholder only needs to pay back RMB.