① Age requirements: domestic residents should be between 18-65 years old, and foreigners should be between 25-65 years old; 2 job requirements: have a stable work unit, income and fixed residence; ③ Credit requirements: no bad credit record. The supplementary card applicant must be the parent, spouse or child of the main card holder, aged between 16 and 65.
Bank credit card application materials: ① Identity information: copy of resident ID card or official card; If you are Hong Kong and Macao compatriots, you need to provide a copy of the mainland pass and residence certificate for more than one year; If you are a foreigner, you can provide a copy of your passport and residence permit for more than one year. 2 proof of work income: proof of payment with photo or business card or badge. Proof materials that can prove that you have good economic strength: copy of real estate license and copy of automobile driving license; Copy of bank loan account (good credit, overdue for no more than 60 days) or deposit certificate.
A credit card is a credit certificate issued by a commercial bank or a credit card company to eligible consumers. The form of credit card is a card with the name of the issuing bank, expiration date, number, cardholder's name and other contents printed on the front. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit. Another way of saying credit card is that credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, and make repayment on the checkout date. Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts. 20 12 February, the bank confirmed that the credit card is safer without password, and if it is stolen, it will share the responsibility with the bank. Enjoy an interest-free period of 25-56 days (or 20-50 days).
Credit card consumption enjoys an interest-free period, and the bill amount is paid off before the due repayment date, without any cost. There is no interest-free repayment period for cash withdrawal, and five ten thousandths of daily interest will be charged from the date of cash withdrawal, and the bank will also charge a certain percentage of cash withdrawal fee.
After credit card consumption is phased, if each installment is repaid on time and the debt ratio is not high, it will not affect the user's mortgage approval. After the installment, the user has overdue records, and the existing liabilities exceed the personal debt ratio by 50%. At this time, it will directly affect the results of mortgage review, because banks have great risks in lending to users. After the user's credit card completes the consumption installment, it is necessary to ensure that each installment can be repaid on time, so as not to affect the application for other loans.