Can I apply for a credit card with only my ID card? Analysis of credit card application issues

Many friends want to apply for a credit card, but they are not very clear about how to apply for a credit card and what conditions are required. For example, some friends will ask whether it is possible to apply for a credit card with just an ID card, or whether the bank will call the contact number filled in the application form, etc. Let’s analyze it for everyone.

Question 1. What credit card can I apply for if I only have an ID card?

Answer:

You cannot apply for any bank credit card only with your ID card. Because when applying for a credit card, you need to submit proof of financial resources. Prove to the bank that you have the ability to repay after consumption. Otherwise, what if the bank's proof decides whether to approve the card for you? Generally speaking, the materials needed to apply for a credit card are:

1. Office workers need to submit a proof of employment with the company's official seal: or a labor contract with the company's official seal can also be used as application materials.

2. Personal income tax withholding voucher as supporting documents

3. Salary card statements and account entry certificates for the past three months

4. Personal name The deposit certificate, if it happens to be the deposit of the bank where your credit card is applied for, can greatly increase the success rate of card approval.

There are also real estate certificates and driving licenses. If you have investment, you can also submit investment certification documents. The above is what you need to prepare to apply for a credit card. You will definitely not be able to apply for a credit card if you only have an ID card.

Question 2: When applying for a credit card, should the bank call people around you to verify the situation?

Answer:

During the credit card application process, sometimes the bank will call some people to verify the applicant's own situation, but usually the call will be to your workplace. If it is during the approval process, generally the contact persons you filled in, such as immediate family members, will not be called. If you need to check your credit during the approval process, the most important thing is to call your work unit to verify.

However, if some of the applicant’s information is not filled in clearly, we will call the applicant himself to check. If we can’t find you after calling several times, we may call you. contact person. If the contact information is not filled in clearly, for example, if the occupation is not written, it is possible to call the contact person directly, but this is generally not possible.

During the use of the card, you will not call your contacts easily. Mainly when you cannot be contacted, you will call your contacts and ask them to help find you.

Does an ID card suffice to apply for a credit card?

Definitely not. Whether you apply for credit online or apply for a card at an outlet, there is no such thing as an ID card to apply for a card. So don’t think that you can apply for a credit card with just an ID card. After all, the ID card is only one type of card application information. The purpose is to confirm the identity of the applicant. However, it is not enough to apply for a card in person. You must also know that the applicant has No income.

Some friends may say that if you apply online, you only need to fill in your ID number and some basic information. I haven’t seen anyone asking for other information, but in fact, you still have to go through the preliminary review to pass the online application. If you sign at the counter, the information provided will not only be your ID card, but also proof of income, etc.

If you see various advertisements on the Internet for unconditional credit card applications, saying that you only need to provide your ID card to apply for a large credit card, you must be careful. In real life, many people's gullibility results in being defrauded of money and information, failing to apply for a credit card, and causing themselves a lot of trouble.

Credit cards are also called debit cards. You do not need to pay cash when making purchases, and you will repay them on the due date. The name of the issuing bank, validity period, number, cardholder name, etc. are printed on the card surface.

To apply for a credit card, you need to meet the corresponding conditions before you can apply for a credit card.

Age 18 or above: All banks have similar age requirements for applicants, ranging from 18 to 60 years old and with full capacity for civil conduct.

Valid original ID card: When applying for a credit card, you need to accurately fill in your own information, including identity information, education information, income information, etc. When activating at the counter, you need to bring the original credit card and ID card.

Employment certificate issued by a stable job and income unit: The bank requires the applicant to have a fixed job and a stable source of income to ensure that the applicant has full repayment ability.

When applying for a card, some banks require applicants to produce work certificates issued by their units: including but not limited to work permits, work badges, OA systems, social security certificates, paper work certificates (stamped with unit seals), etc.

Good credit record: Personal credit record needs to meet the requirements of the card center. Applying for a credit card requires a good credit record, and your credit record is online. If you have a bad credit record in one bank or lending institution, it will also be visible in other banks. Therefore, it is difficult to apply for a credit card if your credit is flawed. At the same time, a bad credit record also has an impact on personal life and work.

When applying for a credit card, fill in your personal information accurately and truthfully to avoid failure of the card center’s review and affecting the credit card processing.

Can I apply for a credit card with only my ID card?

No

Applicants need to meet the following conditions:

1. The applicant is over 18 years old and has full capacity for civil conduct. In addition, the bank does not accept credit cards. There is a maximum age limit for applicants. Some banks stipulate that the maximum age of applicants is no more than 60 years old, and some banks stipulate that the maximum age of applicants is no more than 65 years old.

2. The applicant has a stable job and can Continuous source of income;

3. The applicant’s personal credit report has no bad records such as overdue credit.

To apply for a credit card, you need to provide the following information:

1. Copy of ID document, work certificate, income certificate, etc.;

2. If you can still Provide bank deposit certificates, real estate certificates, degree certificates, etc., and your application approval process will be more convenient and faster;

3. If you have a foreign registered residence, an overseas personnel is applying for a local job, and an active-duty military officer applies in his or her own name. When receiving a credit card, some card-issuing banks may require you to produce a temporary account issued by the local public security department or a certificate issued by the relevant department (including work certificate);

4. Other conditions required by each card-issuing bank.

Which banks only need an ID card to apply for a credit card

In addition to the ID card, banks also need proof of income or property and other materials. Credit cards cannot be applied for. Taking the Guizhou Rural Credit Card Qiannong Credit Card as an example, you need your valid identity document and relevant information to apply for the credit card.

Guizhou Rural Credit Card Guizhou Nong Credit Card Application Conditions:

Everyone who has full capacity for civil conduct, has legal and stable sources of income and payment ability, and is in good credit standing is over 18 years old. Natural persons can apply for a personal main card from the Rural Commercial Bank with their valid identity documents and relevant information. Natural persons with full capacity for civil conduct who meet the card issuance conditions can apply for a supplementary card.

Guizhou Rural Credit Card Guizhou Nong Credit Card Application Information:

(1) The original and copy of the applicant’s valid identity document;

(2) The applicant fills in and submits "Guizhou Rural Credit Cooperative Credit Card Application Form";

(3) Proof of income or property submitted by the applicant;

(4) Other relevant information.

Extended information:

You can apply for a credit card at a bank branch, and bank staff will help complete the application. You can also apply for a credit card on the bank's official website. Just search your favorite bank on your computer, such as "Industrial and Commercial Bank of China". After entering, you will see the credit card column, and then follow the prompts to apply for a credit card;

But to apply for a credit card, you must be over 18 years old, have a stable source of payment and good credit. These are the conditions that must be met to apply for a credit card. If you do not meet the requirements, the bank will refuse you to apply for a credit card.

People's Daily Online - How to apply for a Qiannong credit card

Can I apply for a credit card with only my ID card?

1. Let me answer your questions. I regret to tell you that it is definitely not possible, and not any bank can do it. Credit cards can be overdrafted, so the bank must confirm that you have the ability to repay. Only your ID card cannot prove it at all. Generally speaking, to apply for a credit card, in addition to proof of identity, you also need proof of work, such as your work badge, business card, etc. You also need to submit proof of social insurance for more than six months, your academic qualifications, documentary evidence, etc. Then these information will be taken to the headquarters, and the bank will review you. So just relying on your ID card is definitely not enough!

2. Quick access to emergency channels!

3. No matter what bank, it will not work.

The bank will only approve the card to you if you have sufficient repayment ability. Not to mention only having an ID card, sometimes you may not be able to apply for a lot of additional materials. If you really want a credit card, you can apply for it, but you need to bring your ID card, proof of employment and income, and other supporting materials to apply for the credit card. This way, you have a higher chance of passing! I hope it can help you. It is better to prepare the materials carefully. Only rich materials can help you get approved for a credit card! I hope your card application is successful!

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