In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

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How to apply for a credit card:

Method 1: Counter of bank outlets

Going to a bank outlet is the most traditional and oldest way to apply for a credit card. The advantages are: you can fill in detailed information and avoid a series of subsequent troubles; At the same time, you can also consult the bank staff on the spot if you have any questions.

Method 2: Mobile booths

This is also an ancient credit card processing method, which is more common in subway stations, large business districts (business districts) and other places where people are concentrated. However, the biggest advantage of handling credit cards at mobile stalls is that you can get all kinds of gifts, from thermos cups and charging treasures to suitcases, most of which are very practical and of high value.

Mode 3: Online banking

This is the mainstream credit card application method at present, and it is very convenient and quick to apply just by inputting all kinds of information according to the prompts on the relevant pages of official website Bank. Because the input data will be uploaded to the bank credit card center soon, the approval speed is faster. Generally, it takes 5- 10 working days to check whether the approval is passed, and some banks will get the results in about 3 working days.

Method 4: Mobile phone terminal

Generally speaking, sesame credit score is higher than 700 points, and Xiaobai credit score is higher than 90 points. Download Alipay and JD Finance App. After successful login, you can check your credit score, and then find the relevant credit card application page to apply. However, the types of credit cards that can be handled in this way are very limited, and there are generally no more than three types of cards to choose from.

Method 5: Make an appointment at home.

Appointment at home is the best way to apply for a credit card. You can make an appointment through the bank official website, App or telephone, and the bank staff will come to the door one-on-one on time. Optional cards are complete, and questions can be answered on the spot. After you get the card, you don't need to go to the bank to sign it. You can activate the card by phone and online.

Baidu encyclopedia-credit card