How Does A Unit Apply For A Credit Card?

All units and individuals applying for credit cards should submit applications for credit cards to banks issuing credit cards.

When the application is completed, the name, age and address of the cardholder, the unit's assets and liabilities, the occupation and duties of the cardholder shall be specified in detail, and the card issuing bank shall examine it.

The issuing bank should carefully examine its application and content and confirm the applicant's occupation, income and reputation through telephone or letter writing, and explain the guaranty liability to the guarantor.

After examining and approving the issuing card according to the issuing conditions, the credit card notice (hereinafter referred to as the notice) should be issued to the applicant, and the applicant should be notified to go to the issuing bank for account opening procedures.

Applicants should first deposit their credit card deposits, then pay annual fees, and sometimes deposit some deposit.

The applicant will deposit the credit card deposit, use the pfer settlement to make up a two - way bill of payment, fill in the two - dollar cash order with cash deposit, and fill in the amount of deposit.

The annual fee of credit card is 10 yuan to 100 yuan, and the issuing banks have different regulations.

When paying the annual fee, we can fill in the fee collection certificate of the triple settlement business and fill in the annual fee payable.

In accordance with the regulations, it is necessary to deposit the security deposit. If the pfer accounts are settled, a two - way bill will be filled. A cash couplet with two forms can be filled with cash.

The applicant shall fill in the account receipts or cash payment bills (for deposit of credit card deposits and deposits) and collect fees for the clearing business according to the regulations. The pfer check or cash should be filled in according to the total amount of the deposited credit card deposit, the annual fee paid and the deposit deposited, together with the applicant's identity card and credit card notice to the Credit Card Department of the issuing bank.

The credit card department conducts a careful examination according to the regulations, such as whether the contents of the check and the bill of accounts are correct, whether the check or cash is in line with the amount of the cash receipts or cash payment and the amount of the charge for the settlement business, whether the check is valid or not.

After the audit is correct, add the "pfer" or "cash in cash" receipt to the first joint receipts or cash payment slip and the certificate of payment of the third settlement business, and return it to the applicant together with the identity card, and notify him to get the credit card to the credit card department on the basis of the receipt and identity card within a few days.

After receiving the credit card, the cardholder should sign the signature pattern on the back of the card and sign it without changing it.

　　单位申请人回单位后，对于应交信用卡存款，凭银行盖章退回的第一联进账单或现金交款单编制银行存款或现金付款凭证，其会计分录为，　　借：其他货币资金——信用卡存款　　贷：银行存款或现金　　对于交纳的年费，按照银行盖章退回的结算业务收费凭证编制银行存款或现金付款凭证，其会计分录为：　　借：财务费用　　贷：银行存款或现金　　例：大圣公司为本单位申领长城卡公司卡主卡 l张，附属卡3张，用转账支票存人信用卡存款10000元，另交年费42元（12元十10×3元），财务部门根据银行盖章退回的进账单和结算业务收费凭证，编制银行存款付款凭证，其会计分录为：　　借：其他货币资金——信用卡存款 10000　　财务费用 42　　贷：银行存款 10042　　对于存入保证金，按照银行盖章退回的进账单或现金交款单

To prepare bank deposits or cash payment vouchers, the accounting entries are as follows: other receivables, deposits, deposits and loans: bank deposits (or cash).