I wonder which credit card the landlord wants to apply for. As far as my personal experience is concerned, the credit lines of commercial banks such as CITIC, Guangfa and Minsheng will be higher. The second is to see whether the repayment of the selected bank is convenient, and whether there are any business outlets of the bank near the home or unit. Third, it depends on the special merchants. In fact, credit cards are not only used for overdraft consumption, but also can enjoy the discount function of special merchants of banks. Once you are optimistic about a bank's credit card, you can call the bank's customer service number and make an appointment for the bank staff to handle the card at home. If it is not convenient to go to the door to apply for a card, you can also choose to apply online.
Generally speaking, no matter which bank you apply for a credit card, you need to prepare the following materials:
A. First of all, you should be 18 years old and have stable repayment ability.
B. Identity documents: copies of resident identity cards or temporary resident identity cards (both parties are within the validity period) or military officer's cards are required; The application for one-card payment function only accepts the copy of resident ID card or temporary resident ID card for the time being.
C financial proof: (you can choose any of the following, in fact, the more detailed the materials, the higher your credit card limit) official payroll or income certificate issued by government agencies and enterprises in the last three months (company seal or department seal is required); Copy of passbook/bill of bank payroll (showing the wage entry information of the last three months); Copy of personal income tax payment certificate for the last three months; Copy of social insurance withholding certificate; Copy of proof of own property; Copy of bank time deposit slip/passbook; Copies of purchase vouchers of funds, treasury bonds and corporate bonds (showing the name of the purchaser, account number and account balance);
To sum up, the conditions for handling credit cards mainly include 1, and there is a stable source of income. 2. Good credit record. 3. I have applied for social security, and the social security balance is very large. 4. Have certain asset certificates. 5. Please bring your personal ID card when handling. 6. Other convenient conditions for successfully handling credit cards. If the landlord has anything unclear, you can ask the customer service staff of the bank specifically. I hope my answer can help the landlord!