1, aged over 18, with full capacity for civil conduct;
2. Have legal and stable income and good credit;
3. Provide corresponding identification documents, such as a copy of ID card or military officer's card;
4. Can provide proof of work, income and financial resources. Financial proof can include a copy of real estate license, a copy of motor vehicle driving license, passbook, etc.
5. If proof of residence can be provided, it can be a copy of the household registration book, proof materials issued by the street, or other proof materials.
Credit card processing flow:
1, fill in the application form.
The application form is the key to the bank's audit score and has an important influence on the level of the quota. This form mainly includes the applicant's name, basic information, economic situation, income source, guarantor, etc.
2, the bank audit application materials
Bank review application form and other relevant materials. Some applicants have a satisfactory credit card for the success of their credit card, and will package the authenticity of their information. Therefore, the bank's audit is to determine whether the information filled in is true.
3. If the bank successfully opens an account for the applicant, the bank will inform the applicant to open an account by SMS. The issuing bank will open a separate credit card account for the applicant in the issuing bank for shopping, consumption and settlement after cash withdrawal.
4. Business card printing and distribution
After opening an account, the issuing bank prepares the business card printing and issues the card to the applicant. Generally, it takes 3-7 days to issue a card.
Different banks and different types of credit cards have different requirements for applicants, but no matter what kind of credit card they apply for, applicants need to meet the following conditions:
1. Applicant 18 years old, with full capacity for civil conduct. In addition, banks have a maximum age limit for credit card applicants. Some banks stipulate that the maximum age should not exceed 60, and some banks stipulate that the maximum age of applicants should not exceed 65.
2. The applicant has a stable job and a sustainable source of income;
3. The applicant's personal credit information has no bad records such as overdue.
The above conditions are the basic conditions for handling credit cards. Usually, if you meet these basic conditions, you will have the opportunity to apply for an ordinary credit card. However, if you want to apply for a higher-level credit card, then the applicant needs to meet other conditions stipulated by the bank, such as the amount of bank deposits. The specific situation shall be subject to the bank regulations. For friends who need a credit card, you need to prepare the relevant information for applying for a credit card in advance when handling the credit card. Need to apply for credit card certificate. Secondly, the credit card application form must be filled out. Applicants should pay attention to writing as high as possible when filling out the credit card application form. In addition to your own salary income, it also includes year-end bonus, investment income and other income, because the higher the income level, the higher the credit card amount you generally apply for. Of course, you can't exaggerate, you should fill it in truthfully and you can't provide false information. Once the bank finds that we provide false information, in addition to applying for a credit card, it also needs to provide proof of work and financial resources. Applicants can provide records of bank payrolls, bank deposits, real estate, vehicles and other financial resources. The stronger the general financial resources, the more favorable it is to apply for a high credit card.
Legal basis:
Measures for the supervision and administration of credit card business of commercial banks
Article 40
The issuing bank shall establish and improve the credit review system of credit card applicants, and clarify the management structure and internal control mechanism.
Article 41
The issuing bank shall conduct a credit investigation on the credit card applicant, fully verify and completely record the applicant's valid identity, financial status, consumption and credit records, and confirm that the applicant has a fixed job, a stable source of income or a reliable repayment guarantee.