You don't need a guarantor, a deposit or cash deposit to apply for a credit card in China. You only need to fill out the application form for a credit card in Bank of China and attach copies of identification documents, proof of permanent residence documents and proof of financial resources to apply for a credit card in China.

online credit card application: you can select the credit card type, fill in the application information, and submit the credit card application. For customers who already hold our credit card and customers of BOC's online banking wealth management version/VIP version,

after the application is submitted and approved, our bank will send the credit card directly to the mailing address you fill in; For the inquiry online banking customers who apply for our credit card for the first time, after the application is approved, they need to collect their credit cards at the selected outlets.

Extended information

Repayment method:

1. Repayment in the issuing bank: This method includes: the counter of the issuing bank, ATM, online banking, automatic transfer, telephone banking and so on. After repayment, the credit card limit will be restored immediately, and the money will generally be recorded after being processed by the system on the same day.

2. Inter-bank transfer/remittance repayment: mainly divided into two ways: inter-bank in the same city and inter-bank in different places. No matter how to transfer or remit money, the remitting bank will charge a certain fee, and at the same time, the time of payment and the convenience of repayment are not as good as those in peers, online repayment and convenience store repayment.

3. Online repayment: UnionPay Online, Kuaiqian, Shengfutong, Alipay, etc. Different platforms and banks are selected, and the charging standards and specific payment arrival time are different.

4. Repayment in convenience stores: This method mainly completes repayment through the "Lakala" smart payment terminal installed in convenience stores. Generally, it takes 2~3 working days to arrive at the account, and no handling fee is charged for repayment in this way.

5. Counter-connected repayment: Counter-connected refers to the bank card issued by various networked financial institutions, and the current RMB deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the host system of UnionPay Exchange Center.

6. Repayment by Xinfutong: The "Xinfutong" smart credit card phone is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center, and supported by financial services provided by China UnionPay's inter-bank information exchange network.

7. Repayment Pass: Repayment is made by using the Repayment Pass, and the fees are generally charged according to the charging standards for inter-bank transfer in the same city and inter-bank transfer in different places stipulated by the local People's Bank.

8. Other repayment methods: In addition to the above-mentioned methods, the issuing bank has also opened their own repayment methods for the convenience of cardholders.

Baidu Encyclopedia-China Bank Credit Card Center

China Bank-Credit Card Application