Credit card processing conditions:
1, age 18-65 years old, with civil capacity.
2. Have a stable income and provide proof of income.
3, personal credit should be good, no bad record.
Whether you can successfully apply for a credit card is also related to your occupation.
Generally speaking, a stable job is a necessary condition for successfully applying for a credit card.
Personnel from other places, overseas and officers in active service shall obtain certificates in their own names on the basis of temporary accounts issued by local public security departments or certificates issued by relevant departments, and must provide a guarantee unit with guarantee conditions or a guarantor with a local account and working in the local area.
Information required for credit card processing:
Supporting materials such as identity certification materials, work and income certification materials, financial certification materials, academic titles, professional qualification certificates, self-owned real estate licenses, and self-owned car driving licenses.
Extended data
Main features:
Cash advance deposit is not encouraged. You can enjoy an interest-free repayment period and can repay in installments (minimum repayment amount). Join VISA, MasterCard, JCB and other international credit card organizations, which are universal.
It is one of the fastest-growing financial services today, and it is an electronic currency that can replace the traditional gold circulation in a certain range.
It has two functions: payment and credit. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers.
It is a high-tech product integrating financial business and computer technology. Can reduce the use of cash currency. It can provide settlement services, facilitate shopping and consumption, and enhance the sense of security. It can simplify the collection procedure and save social labor. It can promote commodity sales and stimulate social demand.
Characteristic contrast
superiority
Compared with ordinary bank savings cards, the most convenient way to use credit cards is for ordinary consumption, and there is no cash in the cards. In many cases, it is enough to return the consumption amount on time.
You can spend without deposit overdraft, and enjoy an interest-free period of 20-56 days to repay on time without any charge (most banks will charge 0.5% interest on the day of cash withdrawal, and there will be a 2% handling fee, but ICBC will only charge interest).
It is not only safe and convenient to swipe your card when shopping, but also a bonus gift. Special merchants who hold cards in banks can enjoy preferential treatment. Accumulate personal credit, add credit records to credit files, and benefit for life.
Access to the whole country is barrier-free, and you can withdraw money or spend money by credit card on ATM and POS machines with UnionPay logo; (Note: Credit cards are only suitable for credit card spending, and it is best not to withdraw cash, which is very expensive and uneconomical).
Credit card spending, some credit cards get existing points, all kinds of discounts and lottery activities throughout the year, as long as you use the card, there will always be surprises; Most credit cards pay online without points, but online payment is very convenient and fast.
Reference source: Baidu Encyclopedia: Credit Card