What are the requirements for applying for Everbright Credit Card? Depends on the customer's identity

No matter which bank you apply for a credit card, you must meet the basic card application conditions. Different banks have different credit card thresholds, and the conditions are naturally different. Here, let’s talk about the application conditions for Everbright Bank credit cards. It is said that this bank is relaxing it. Friends who are interested should come and take a look.

The application conditions for Everbright Credit Card are divided into basic conditions and additional conditions.

1. Basic conditions:

The requirements vary depending on the identity of the card holder.

1. Domestic persons:

Required to be between 18 and 65 years old, a natural person with full capacity for civil conduct, good credit, legal and stable income, tax The annual income will be ≥30,000 yuan. If the card holder has also applied for a loan from Everbright Bank, the loan status must be normal and not overdue in the current period. You must also provide true and complete application materials.

2. Foreigners:

Required to be between 25 and 60 years old, with full capacity for civil conduct, good credit, and working in mainland China for more than 1 year (inclusive) , the annual income after tax is generally ≥ RMB 100,000. If you apply for a retail loan from China Everbright Bank, it must be in normal condition and not overdue. They must also belong to the customer type issued by China Everbright Bank and provide true and complete application information as required.

Note: The application materials include my valid identity document, real estate certificate, work certificate, social security payment certificate, People's Bank of China credit report, etc. For specific requirements, please ask the current branch.

2. Additional conditions:

On the premise of meeting the basic conditions, one or more of the following additional conditions need to be met:

1. Normal payment Social security;

2. Pay provident fund normally;

3. Pay personal tax normally;

4. Own real estate or cars;

5. Purchase financial products from China Everbright Bank;

6. Have a credit card or personal loan from another bank in your name.

From the perspective of conditions, China Everbright Bank’s credit card has quite a lot of requirements. For this reason, many cardholders say that this bank’s credit card is more difficult to apply for among commercial banks.

What are the application requirements for Everbright Bank credit card?

1. All Chinese citizens, foreigners permanently residing in the country, and compatriots from Hong Kong, Macao and Taiwan who have full capacity for civil conduct, have legal and stable income, and have good credit standing can apply for a credit card from the card issuer with their valid documents. Personal card master card. Note: To apply for a card, you need to attach a work certificate, and other conditions include social security, good companies such as government agencies, vehicles, houses, etc. You can contact the specific phone number

2. Main card holder The primary cardholder and the secondary cardholder use the same credit limit; the primary cardholder can set the usage limit of the secondary card within the credit limit; all transaction amounts and corresponding interest and fees of the secondary card will be credited to the primary card Account, the main cardholder is fully responsible for repaying the debts incurred under the main card and supplementary card.

3. Any enterprise, administrative institution, social group, other economic organization authorized by a legal person, etc. that opens a basic account at a financial institution in China, with independent legal person status, can open an account with the certificate issued by the People's Bank of China. Please submit license and other information to the card issuer to apply for a unit card. If you apply for a corporate card, you must also have a stable source of foreign exchange and an account that can legally control its foreign exchange.

4. When applying for a credit card, the applicant should fill in the application form and the authentic materials required by the card issuer correctly, completely and truthfully according to the requirements of the card issuer, and sign a contract with the card issuer. The card issuer decides whether to approve the applicant's application based on the applicant's application and credit status, whether to require the applicant to provide guarantee and the method of guarantee, and determines the credit limit.

5. The methods of guarantee provided by credit card applicants include guarantee, mortgage and pledge. The scope of the guarantee covers all outstanding debts incurred under the cardholder's credit card, and a corresponding guarantee contract should be signed for the guarantee.

6. Everbright Bank credit card issuer provides cardholders with inquiry passwords and transaction passwords through designated channels.

7. After receiving the credit card, the cardholder should immediately sign the same signature as on the credit card application form in the signature column on the back of the credit card, and use the same signature when making transactions, otherwise, it will result in The cardholder is responsible for any losses.

Extended information:

After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. The creditworthiness of the applying unit must be evaluated, and the relevant circumstances of the guarantor must also be reviewed for individuals.

Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand.

Baidu Encyclopedia - Everbright Bank Credit Card

Everbright Bank Card Application Conditions

Basic conditions for applying for Everbright Bank Credit Card: Anyone aged 18-65 (inclusive) with full civil Chinese citizens, foreigners permanently residing in the country, and compatriots from Hong Kong, Macao and Taiwan who are capable of acting, have legal and stable income, and have good credit standing can apply for a personal credit card master card from Everbright Bank with their valid documents.

If you apply for the China Everbright Bank Credit Card Gold Card, on the premise of meeting the above basic conditions, you also need to meet the following conditions:

1. The annual after-tax income exceeds RMB 100,000. The locations where China Everbright Bank branches are located have fixed residences.

2. Have held credit cards from other banks for more than one year, and have a credit limit of more than 5,000 from the People's Bank of China without bad credit.

Everbright Bank credit card online application conditions:

1. The main card applicant must be a natural person between 18 and 65 years old (inclusive) with full capacity for civil conduct, have a legal and stable income, and be a resident of the People's Republic of China. The bank's personal credit report meets the applicable conditions for Everbright Bank's card issuance;

2. There are Everbright Bank business outlets in the city where you are resident;

3. The city you choose to apply for the card must be your work unit or Fixed address.

Conditions for applying for Everbright Bank Credit Card Platinum Card:

1. The total amount of the Bank’s personal housing loan amount is 300,000 yuan (inclusive) or more and the total amount of personal business such as savings, financial management, and treasury bonds is 20 Customers with more than 10,000 yuan (inclusive) and any account has been opened for more than 3 months.

2. Have a non-commercial passenger vehicle with a displacement of 2.0 or more or a vehicle price of more than 180,000 in your name according to the vehicle import standards.

3. Those who have held the Everbright Bank Credit Card Gold Card (issued without guarantee) for more than one year and have a credit limit of RMB 30,000 (inclusive) or more.

4. Have held a credit card from another bank for more than one year, with no bad credit from the People's Bank of China, and a credit limit of more than 30,000.

5. Leaders at the department level or above or associate professors or above from public institutions such as education, science, culture and health.

6. Civil servants above the department level (inclusive).

Everbright Bank Credit Card Application Materials:

1. Basic application materials required to apply for China Everbright Bank Credit Card: Identity documents, such as ID card, military officer ID card, police officer ID card, pass or Passport etc.

2. Optional materials to submit

(1) Income certification documents: salary certificate, copy of social security (paid for more than half a year).

(2) Auxiliary supporting documents: academic qualifications, professional titles, professional qualification certificates, self-owned real estate certificates, self-owned car driving licenses, telephone, water, electricity and gas bills for the past three months in the current place of residence. The original of any document, etc. [img]

This is the end of the introduction about the application conditions of Everbright Credit Card and the application conditions of Everbright Credit Card. I wonder if you found the information you need?