I. Processing conditions
1, age 18-65 years old, with civil capacity.
2. Have a stable income and provide proof of income.
3, personal credit should be good, no bad record.
Whether you can successfully apply for a credit card is also related to your occupation.
Generally speaking, a stable job is a necessary condition for successfully applying for a credit card.
6. Foreign and overseas personnel and officers in active service should issue temporary accounts issued by local public security departments or certificates issued by relevant departments, and provide guarantee units with guarantee conditions or guarantors with local accounts and working in the local area.
Second, the information needed to apply for a credit card.
1, identification materials;
2. Proof of work and income;
3. Proof of financial resources;
4, academic titles, professional qualification certificates, own real estate license, own car driving license and other auxiliary materials.
Third, the handling process
1. Go to the business outlet.
(1) First, please ask the hall teller to fill out the application form. The other party will usually ask you to fill in the application form. You need to fill in your basic personal information, as well as your company phone number, home phone number and my mobile phone number. Two contacts (a relative and a friend) and their mobile phone numbers and fixed phone numbers.
(2) After completing the form, submit the above information to the bank for review. The bank will decide whether to approve the card and the amount of the card according to the comprehensive score of the information submitted by the applicant. Reference items include age, gender, unit, income, position, housing, education, marriage, real estate, professional title, credit record and so on. A score segment corresponds to a result, from not approving cards to approving cards, from low amount to high amount. After submitting the form or online application, you can enter your ID number in the bank official website to check the application progress.
(3) In order to control risks, banks attach great importance to the repayment ability of cardholders. The information you submitted makes the bank feel that you have enough repayment ability. The stronger the repayment ability, the easier it is for banks to issue cards.
2. Online processing
(1) Apply for an appointment online;
(2) Three to five working days after the appointment, a staff member will come to contact and collect information;
(3) It takes about 7 to 10 working days for the banking system to review personal information and call back;
(4) If approved, the credit card will be sent within about 10 working days.