As long as it is a local bank with bank branches, you can apply for a credit card there. However, if there is no bank branch, you cannot apply for a credit card.
The main documents required for applying for a credit card are:
1. Resident ID card or passport
2. Work certificate (work permit or relevant personnel department certificate, basic requirements for work The time is more than three months)
3. Proof of income (certificate of income issued by the financial department of the unit, if you start a business independently, a copy of the industrial and commercial license and tax payment certificate are required) The above are the most basic materials needed to apply for a credit card , and at the same time, if you can provide proof of your own real estate or your own vehicle, it will greatly increase the success rate of card application and increase the overdraft limit.
As for the guarantor and deposit, it depends on the regulations of each bank. For example, China Merchants Bank, Shenzhen Development Bank, etc. do not require guarantee. There are fewer and fewer free lunches with no annual fees. Nowadays, the annual fees of credit cards are getting higher and higher. The annual fees of credit cards of various banks are very different, ranging from hundreds of yuan to thousands of yuan. Recently, Minsheng Bank has vigorously promoted credit cards, and the annual fee for its gold card is only 300 yuan. But as long as you use this credit card skillfully, there are many ways to avoid paying the annual fee for one year. In the first month of using the credit card, the bank will deduct an annual fee of 300 yuan. After that, you only need to swipe the card 6 times this year, or spend more than 3,000 yuan, or go abroad to swipe the card twice. In the second month after meeting these conditions, the bank will refund 120% of the annual fee.
Of course, each bank has different offers. When you consider applying for a credit card, you might as well inquire about these offers. The annual fee of more than 3,000 yuan for the China Merchants Bank Platinum VIP Card is prohibitive to many people. However, for people who often fly abroad for travel and business, having this card still has many conveniences. The discounts on air tickets make these people not care about the contents of the card. Annual fee expenditure. But for ordinary citizens, when applying for such a credit card, they should still consider the cost of the credit card's annual fee.
No interest is paid in installment payment. According to reports, interest-free installment payment means that when a credit card holder makes a large consumption at one time, the consumption amount can be divided into several installments ( months) without paying any additional interest. In Shenzhen, a bank launched this service this year. The bank signed agreements with furniture stores, music stores, home appliances and other shopping malls to gradually launch this consumption model. When citizens in need purchase consumer goods, they can consult the merchants or Call the bank's consultation hotline for consultation, or log on to each bank's website for relevant information.
It is worth reminding that credit card holders should not forget to check the available balance and installment payment limit in their cards before making purchases.