Convenience card is a kind of credit card introduced by some banks. In addition to the related functions of credit cards, cardholders can also enjoy related convenience services. To apply for a convenience card, the applicant must be 18 years old, of course, generally not over 60 years old.

After handling the convenience card, the materials will enter the review stage after being delivered to the bank credit card center, which generally takes 10-20 working days, that is, about 1 month, during which there will be a telephone call back. If approved, the bank will make a card and send it by registered mail, which will take about 7- 14 working days. If you apply for a card in CCB, you can get it in 20-45 days. In the meantime, you can check the progress of credit card application in official website. After the approval, I will inform you by SMS.

legal ground

People's Republic of China (PRC) Commercial Bank Law

Article 3 A commercial bank may engage in some or all of the following businesses:

(1) Absorbing public deposits;

(2) Short-term, medium-term and long-term loans;

(3) Handling domestic and international settlement;

(4) Handling bill acceptance and discount;

(5) Issuing financial bonds.

(6) Acting as an agent to issue, honor and underwrite government bonds;

(7) buying and selling government bonds and financial bonds;

(eight) engaged in interbank lending;

(9) Acting as an agent for buying and selling foreign exchange;

(ten) engaged in bank card business;

(eleven) to provide letter of credit services and guarantees;

(12) Agency payment and insurance agency business;

(thirteen) to provide safe deposit box services;

(14) Other businesses approved by the State Council Banking Regulatory Authority. The business scope shall be stipulated in the articles of association of the commercial bank and reported to the the State Council Banking Regulatory Authority for approval. With the approval of the People's Bank of China, commercial banks can engage in foreign exchange settlement and sale business. Article 50 A commercial bank shall charge a handling fee in accordance with regulations when handling business and providing services. The charging items and standards shall be formulated by the the State Council Banking Regulatory Authority and the People's Bank of China according to the division of responsibilities, respectively, in conjunction with the competent pricing department of the State Council.