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

Credit cards can not only be used to overdraw consumption to 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, Bank of Communications' good loans, good cash loans and good commercial loans, as well as China Merchants Bank's e-loan, Guangfa Bank's financial intelligence, Huaxia Bank's Yi Dajin 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, he will use the amount of Easy Loan and automatically convert it into easy loan installment according to the number of installments previously signed by the customer. Good Cash Loan is an exclusive cash consumer credit service provided to high-quality main cardholders. The successful amount of the loan 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.), and the transaction will be automatically phased when the consumption amount reaches the set initial amount.

E loan invitation is a short-term cash credit business with daily interest provided by eligible credit card holders. After the customer successfully handles the transaction, China Merchants Bank will transfer the money to the valid cartoon 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 through overdraft transfer. Easy 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 pay by credit card in installments, borrow cash in advance, etc. within the credit line of Yidajin.

What are the formal channels for handling credit cards?

With credit cards, you can overdraw first and then repay. 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. Here are some regular channels to handle the card.

First, the bank counter or official website.

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

However, applying for a card at the bank counter also has some shortcomings, and it is often necessary to provide complete information, such as identity certificate, work certificate, financial proof, house book, credit card of other banks (using card 1 year or more than 6 months), etc. The more complete the materials, the easier it is to get a card, and the amount of card approval is also relatively high.

Second, third-party institutions authorized by banks

In addition, this kind of website not only provides application channels, but also provides cardholders with some credit card information. When applying for a card on this kind of website, you can browse the credit card information of multiple banks at the same time, so you don't have 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. Such application channels are also very formal, with high safety factor and very fast card approval speed.

For example, if you apply for the credit cards of China Everbright Bank and Minsheng Bank on Alipay, after filling in 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.

The above are the most common formal channels for applying for a credit card. 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 a high amount of 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' data, I suggest you apply through the channels provided by the bank.

If you meet the requirements of China Merchants Bank's credit card application, you can try to apply through the following methods: 1, online application: Please open the official website of China Merchants Bank's credit card, 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 and go 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 to apply for credit card 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. Which platform's personal data needs to be prepared with the original ID card, the income and employment certificate issued by the company, the official seal or the financial and labor stamps (you can ask the finance department to issue more for you), the work card and the tax payment certificate (you can print the tax payment form by yourself with your ID card at your place 1 year).

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-scale credit:

1. has the fixed telephone number of this city.

2. get married;

3. The city's household registration;

4. Have housing;

5. Education level;

6. The nature of the work unit;

7. Job description

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 the fact that a good consumer credit and repayment credit are the key for you to apply for a large credit card.

Handling a large credit card 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 grant you a card and the size of the credit line. This is very simple. You can provide a weighty asset certificate, such as income certificate, house property certificate, mortgage purchase certificate, automobile property certificate, bank deposit certificate or securities certificate. Secondly, your work unit, personal ability, application experience and other certificates that can prove your personal ability will also help you get a large credit card, such as academic certificate, technical grade certificate and other qualification certificates.

Question 3: What conditions do I need to apply 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: Which credit card is better to apply for online? At present, there are two ways to apply for a credit card. First, apply to the bank business hall; Bring personal valid certificates and relevant application materials (such as work unit payroll, etc.); The second is to apply through online banking. The general steps are: 1, log on to the application page of bank credit card and select the credit card type to be processed; 2. Enter 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 designated bank credit card business department together with a copy of ID card and application documents; 4. Wait for the bank's audit. During this period, you can check the progress of online credit card audit. Generally, if you have any questions, you should call the bank in time. However, if consumers are clear about 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 easy to apply for, because you will find that all banks' credit cards are easy to apply for. Among all the application conditions, personal credit is very important. Because all banks can check your personal credit records through the internal information sharing system. Therefore, whether you use a credit card, or usually pay water and electricity bills, you should ensure timely payment and repayment. In order to prevent overdue repayment, personal credit decline and other problems, 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 application of credit cards in China? There are several formal aggregation platforms, which collect the official credit cards of banks and classify the credit card categories, so that users can apply conveniently and accurately, and improve the card-issuing rate, such as the credit community app.

Question 6: Which platform to handle credit cards online is free and easy to handle? It is not recommended that the landlord handle credit cards 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 that you want to apply for a credit card. Naturally, a salesman will contact you.

Question 7: which is better, to apply for a credit card at 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 CMB credit card and there is a local CMB, 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/, select "Credit Card Application"-"New Customer Application Channel", and apply for it through the online banking application reservation platform of "Easy Reservation, On-site Handling". Fill in the simple reservation information online and wait for the bank's approval. If the approval is passed, a specialist will contact you by phone to confirm that it will be handled on-site for you. If you want to handle it in this way, please confirm your area first, and whether our bank can provide free on-site appointment (the result will be displayed after selecting the province/city/district);

2. Please bring your original identity certificate, work certificate and financial documents and go to the business outlets of China Merchants Bank in person. For the distribution of counters in our bank, please click: Map of outlets of China Merchants Bank, then select the city, and then inquire about outlet information. 3. You can make an appointment to apply for a card by mobile phone. If it passes the preliminary examination, a special person will come to your work unit to handle it.

Click to make an appointment for ccclub.cmbchina/...30331C4 immediately. You can also call the customer service hotline, select 3#- 1 in the voice, and then transfer it to the Commissioner 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? Recommended: General Affairs (General Manager, Vice President), Finance Department, Administration Department and Purchasing Department.

Recommended reason: the income of these departments is relatively high and stable, and the most important thing is stability. It is best for banks to have stable income. (For example, some business bosses didn't apply for card approval, but the following employees applied for card approval because the employees' income is stable, while the boss's income is unstable, and there are times when they make a profit, but they also lose money.)

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

Reasons for non-recommendation: The income of the production department is relatively low and unstable, and the income of the sales department and the 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 it may be strict now.

Do whatever bank your salary is paid by, and the success rate is the highest. You can also try China Merchants Bank.

Is there a good platform for handling credit cards?

The official websites of major banks are good, and you can choose to handle them according to your personal needs. Major banks will have a special credit card application platform on their official websites. Applicants can fill in the information directly online, and then immediately send it to the bank credit card center, which will review it. Only after the approval, they need to go to the bank for face-to-face signing. This method is more suitable for people who already have credit cards and have a long working life. Application for bank outlets: traditional security. The applicant brings relevant information and submits it to the bank outlet. This method is safer than online application. If you want to apply for a high amount of money, you can choose this traditional method, and the submitted materials are more comprehensive, and the chances of passing the audit are greater, but it is relatively troublesome.

Mobile phone model: Apple 12 Bank of China 5.7

Door-to-door visit by bank staff: Save the face-to-face signing, 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 at work and have no idle 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 bank official website, and they don't charge any fees for the whole process. Click the entrance and jump directly to bank official website. This requires that the cardholder can identify the authenticity of the website.

First, credit card applications can be processed offline and online. Offline card applications usually go to bank outlets, and there are many channels for online card applications, so you have to choose formal channels, otherwise you may be cheated of information and 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 relatively 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 choose the credit card you want to apply for in official website, and fill in the card application information after clicking the link; Or scan the code in official website to pay attention to the bank WeChat WeChat official account, and download the bank online banking card. Although the methods are similar, the links are the same.

Second, third-party channels: one is our most commonly used third-party payment platforms, such as WeChat, Alipay, Meituan, JD.COM, etc., which can provide online card processing services; One is a third-party website that is said to cooperate with banks, where cards can be sent as gifts or cashed back. Although it is attractive, it is hard to guarantee that there will be no phishing websites trying to confuse the eyes, so it is necessary to distinguish the formality. In fact, it is relatively easy to judge, because banks are responsible for approving cards, so the links to applying for cards are all given by banks. Just open the card-handling page of a bank channel casually 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?

Cards must be handled through formal channels. Don't believe those who handle cards through informal channels. Most of them are deceptive. 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 proof to the bank outlets. 3. Online banking. 4. Mobile banking. 5. The official WeChat of the bank is handled in WeChat official account.

I. Channels for handling personal credit cards

1, make an appointment by phone and go 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 processing. The optional cards are complete and any questions can be answered on the spot.

2. Handling at outlets. Bring my original ID card, work certificate and financial proof to the bank outlet to apply for it.

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

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

5. WeChat WeChat official account will handle it. If the bank opens WeChat WeChat official account for processing, you can search and pay attention to it. The bank uses WeChat WeChat official account, enter a credit card for processing, and fill in the reservation application materials for manual customer service verification.

Second, the credit card

Credit card, also called debit card, is a credit certificate issued by commercial banks or credit card companies to qualified consumers. It is in the form of a card with the 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 special 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 limit. Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment will be made on the billing date.

Credit cards can be divided into: credit cards and debit cards according to whether they have the function of consumer credit; According to whether or not 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 fact that the card must be handled through formal channels, which is safe, reliable and free. Don't believe those who apply for cards through informal channels. Most of them are deceptive. At that time, not only will the cards not be processed, but also money will be lost, and personal information will be leaked out, which is not worth the loss.

So much for the introduction of the credit card platform.