If you have a car, you can apply for a credit card as your property, which will help you get a higher credit line. But you can't apply for a credit card only if you have a car. You must meet the following conditions:

The age is between 18 and 65;

Have a stable and lawful occupation and income;

Have a good credit record and the ability to repay credit cards on time;

Having full capacity for civil conduct and being able to bear corresponding legal responsibilities;

Have legal identification, such as personal identity card;

Can provide proof of property, such as bank deposit and copy of private car driving license.

The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).

The main features of credit cards:

Credit card is one of the fastest-growing financial services, which can replace the traditional cash circulation to a certain extent.

Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;

Credit card is a high-tech product integrating financial business and computer technology.

Credit cards can reduce the use of cash and money;

Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

Credit card can simplify the collection procedures and save social labor;

Credit cards can promote commodity sales and social needs.

Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank.

Can I apply for a car credit card?

1. You can apply for a credit card with a vehicle in your own name. The vehicle in your personal name must be a family car, not a bus or truck.

2. Place of application:

3. 1, local bank outlets;

4, 2, bank credit card center staff;

5.3. Some banks (industrial and commercial construction, etc. ) Support online banking applications.

6. Application conditions:

7. 1, a person with full capacity at the age of 18;

8.2. Have stable repayment ability.

9. Submit the certificate:

10, 1, ID (required);

1 1, 2, work certificate or income certificate;

12, 3, proof of assets such as real estate and vehicles in my name;

13,4, social security;

14, 5, other bank credit cards, etc.

15, the import standards of each bank are different, so the above information may not be all, depending on the requirements of the bank, work or income proof is very important.

16, ask the credit card salesman or the lobby teller to fill out the application form first. The other party will usually ask you to fill in the application form. You need to fill in your basic personal information, as well as your company phone number, home phone number and my mobile phone number. Two contacts (a relative and a friend) and their mobile phone numbers and fixed phone numbers.