If the credit card applied by the user through online channel is not the first credit card of the bank, the credit card can be activated through other channels without personal signature.
Users apply for the first credit card through online channels, and each bank needs a face-to-face sign to activate it. You can't activate a credit card without a face-to-face sign.
Therefore, the rules of all banks are the same. The first credit card applied for through online channels must be signed by myself, otherwise it cannot be activated and can not be used normally.
Credit card, also known as debit card, is a credit certificate issued by commercial banks or credit card companies 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.
main feature
1. Credit card is one of the fastest-growing financial services today, and it is an electronic currency that can replace traditional cash circulation to a certain extent;
2. Credit card has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also obtain certain loans from card issuers by using credit cards;
Credit card is a high-tech product integrating financial business and computer technology.
4. Credit cards can reduce the use of cash and currency;
5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;
6. Credit cards can simplify collection procedures and save social labor;
7. Credit cards can promote commodity sales and social needs.
Financial management strategy
1, control the number of credit cards, enough is enough.
Once there are too many credit cards, it is easy to get the wrong repayment date of this card and forget the credit limit of that card, which is difficult to manage, and it is easy to cause overdue repayment and leave a bad record. Moreover, there are many points in multi-card credit cards, and too scattered points are not conducive to redemption of gifts. Therefore, it is suggested that 1~2 credit cards are enough.
2. Keep credit card vouchers
Most credit card holders don't care about these documents, and they won't keep them. Most people throw them away, which is a very bad habit. In fact, keeping credit card vouchers is not only convenient for summarizing consumption records every month, and then analyzing and optimizing consumption habits, but also helps to improve the rationality and transparency of credit card consumption, so as to clearly understand credit cards. Moreover, many people's credit cards don't have passwords, so discarding credit card vouchers at will may lead to the theft of credit cards.
For safety reasons, it is best to keep the credit card voucher after consumption, so that you can know what you are doing and develop good credit card financial habits.
3. Reduce cash withdrawals
Credit card has two functions: overdraft and withdrawal, but withdrawal requires a certain percentage of handling fee, even if you deposit your own money in it, you have to charge. So it is not cost-effective to use+++and use it as a passbook.
Online credit card application without face-to-face signing
There are many credit cards that don't need face-to-face signing, such as Ping An Bank car home Co-branded Card, Bank of East Asia Ctrip Alliance Card and Qunar Credit Card. For example, if you apply for an ABC credit card, if you have an ABC savings card or KBao in your name, you don't need a face-to-face visa. If you apply for a second credit card under the same bank, you usually don't need to sign it in person.
Take ICBC as an example: I already have an ICBC credit card in my hand, and I want to apply for an installment card with independent credit limit, so I don't need to go to the bank for face-to-face signing after this credit card with independent credit limit is issued.
The first card of the credit card applied by the network channel must be signed by myself, otherwise it will not be activated and can not be used normally.
Credit card interview is the verification process of the bank. The bank must see the applicant himself, the original ID card of the pro-nuclear applicant and the signature of the applicant himself. But this is a problem for some customers, especially because there are no local outlets.
Which bank's credit card doesn't need my signature?
All credit cards that apply online for the first time need to be signed in person, unless they already hold the bank's credit card. If you don't want to sign in person, you can go directly to the bank counter with your ID card and relevant property certificate.
Credit cards handled at the counter can generally be opened by calling the bank's credit card center or operating on the APP designated by the bank, without going to the bank for face-to-face signing.
Extended data
Common domestic network platforms are: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay and so on. The platform chosen is different from the bank, and the charging standard and specific arrival time are also different.
Repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store, which generally takes 2-3 working days to arrive at the account. There is no handling fee for repayment in this way.
Baidu encyclopedia-credit card
What bank credit card doesn't need a face-to-face visa?
If you want to apply for a credit card, you must be an old customer of this bank or have a credit card of this bank. If you apply for a credit card at the bank for the first time, you need to apply in person in either way.
As long as you apply for a credit card from the bank online, you must go to the bank counter for a face-to-face interview.
If you don't want to sign in person, please apply for a credit card at each bank counter. You can also go to the credit card stalls at the exits of major supermarkets and ask a salesperson to apply for a credit card.
Extended data:
All bank network application cards must be activated at the counter with ID cards, which is actually a face-to-face signing;
Credit card applications must be submitted and signed by the cardholder himself. When an applicant applies for a credit card online, the issuing bank receives the application materials from the customer through online channels, so it is impossible to judge whether the applicant is the applicant himself.
Therefore, after the applicant has applied through the Internet and passed the examination, the issuing bank will send a short message to the applicant to inform him that he has passed the preliminary examination, and he needs to go to any outlet of the issuing bank for face-to-face signing with his ID card within the specified time.
If you don't sign in person, criminals can apply for a credit card online with someone else's ID card, which is a great risk.
Baidu encyclopedia-credit card
Do you have a credit card that doesn't require an interview?
First of all, no, they all need to be signed in person.
Under normal circumstances, the credit card applied at the counter of the bank outlet usually does not need to be activated in person, because the staff has learned the personal details of the applicant in person. After receiving the card, the customer can log in to online banking or mobile banking or credit card app to activate it, or send instructions by SMS or telephone. However, if a customer applies for a credit card online and applies for a credit card at the bank for the first time, the issuing bank cannot determine whether the applicant is himself or not because it does not know the specific situation of the applicant, so the applicant often needs to go to the outlet for face-to-face signing.
Secondly, if users want to apply for a credit card, they must first decide which bank to apply for a credit card according to their own requirements. Every bank's credit card will have some characteristics, for example, some credit cards focus on promoting food functions while others focus on promoting tourism functions. Users can choose the credit card that suits them according to their own needs.
Third, the procedure for applying for a credit card is relatively simple. If the user doesn't have a high demand for the amount, just fill in the credit card application form directly to initiate the application, without providing some personal materials. If users want to obtain a higher credit line, they can provide personal assets such as vehicles, real estate and deposits to prove that users have strong repayment ability, and the final credit card line may be higher.
Four, the credit card center after receiving the user's credit card application, will review the user's application. At present, many credit cards are audited very quickly, and the audit results can be issued within 5 minutes. Credit card centers generally have their own risk control models. Users can be audited through the online risk control model, and the audit results can be released in a short time.
When the user's credit card application is approved, the credit card center will make a credit card for the user. Generally speaking, credit cards are made very quickly. After the credit card is made, the credit card center will mail the credit card to the place designated by the user, and the user can use it after receiving it.
How to apply for a credit card without an interview? You can try these methods!
Speaking of face-to-face signing, it has always been a headache for some card friends.
Especially for office workers, credit cards that have been finally approved can only be activated on Saturdays and Sundays, while ordinary banks only work on Saturdays. Moreover, everyone who runs business on Saturday may know that the lobby is basically full of people, and the numbers can be queued from morning to afternoon. Sometimes the morning has passed and all the numbers of that day have been taken. After all, office workers will basically choose to handle business at this time, and it will be even more troublesome to have a card friend who applies online in different places.
So, is there any way to apply for a credit card without signing in person?
Generally speaking, credit cards can be activated directly by telephone, Internet, APP, etc. After offline application, you must go to offline outlets for an interview.
However, through our research, we found many card types that can be applied without face-to-face signing, and there are also skills that can be applied online without going to offline outlets for face-to-face signing. Let's have a look!
One: Virtual card
1, Guangfa Xiaobaiyun Card
This card is another version of the small white card for cooperation between Guangfa and Jingdong Finance. Similar to the virtual card issued by Guangfa before, the basic amount is 3000-20000, which is suitable for breaking the curve second card of black households.
You don't need a face-to-face interview. After approval, you can go to the "Discover Wonderful" page of Guangfa APP and enter the "My Speed Card" page for activation, which requires face recognition.
Two: black technology
1, Ping An car home Co-branded Card
Ping An's latest black technology, the first card is not signed in person, not taken in person, and the amount is high! Minimum 1W start! Ignore local outlets!
After receiving the card, it is activated in Ping An Pocket Bank, and the remote video is activated, ignoring the outlets. Only this card can be used at present. Remember that only this card can avoid face-to-face signing ~
2. Bank of East Asia Credit Card
You can apply for each card at will, such as Ctrip co-branded card, or go anywhere.
Three: online banking
China bank credit card 1
China Bank's credit card black technology strikes, no face-to-face, no face-to-face, get the card and activate it directly
In fact, it is to go to the Bank of China to set up a savings card, then open mobile banking and online banking, and apply for a U shield or an electronic cipher. With this online banking, you can get a credit card on your computer later and activate it, and finish it in one minute, so as to avoid the need to provide a lot of information when going to the outlets or the customers' caution and timidity.
Similarly: K-Bao of Agricultural Bank, U-Bao of People's Livelihood, U-Shield of ICBC, and Net Shield of China Construction Bank. China Merchants Bank needs to open an "excellent key" for professional online banking, and then apply to professional online banking to avoid face-to-face visits. The U shield of bank online banking is your amulet.
Fourth, Ping An Bank's online credit card application does not require face-to-face signing skills.
I found it myself. Before, I sent an article about online card application, which mentioned that the Ping An credit card I applied for online was successfully activated without going to face-to-face signing.
Many card friends fans have expressed doubts, saying that I am blowing water and that I am the water army of Ping An Bank, helping Ping An Bank to publicize. I didn't know whether to laugh or cry.
If I were the water army of Ping An Bank, I would blow Ping An every day, wouldn't I make money every day?
Besides, I only have 700 fans. Will Ping An Bank value me? hahaha~
Ok, let's talk about the theme. Although most cardholders said that their online Ping An credit card was activated at the outlets, many cardholders said that their online application card was not activated at the outlets.
Therefore, this caught my attention. First of all, I really applied for a credit card at home, and the credit card activated by brushing my face at home mobile banking has never been activated at the outlet from beginning to end. There is no doubt about it!
After countless comparisons, I found that most cardholders didn't have Ping An Bank's savings card and U shield before applying for Ping An Bank's credit card, but I did. This is a difference.
Therefore, I can be sure that I have a Zhang Pingan bank savings card or U shield, and I don't need to go to the outlet to activate the Ping An Bank credit card I applied for online! !
As for whether this view is correct or not, it needs the experiments and experience of the majority of card friends. That's all I can say.
This is the end of the introduction of credit cards without face-to-face visa and which credit cards do not need face-to-face visa. I wonder if you have found the information you need?