How to apply for a credit card? Only if these conditions are met!

The popularity of credit cards has almost become one of our daily necessities, which greatly facilitates our lives. Although applying for a credit card is simple, it is not so easy to apply for a rated credit card. Many people first apply for regular credit cards, so how should they apply for a gold credit card? What channels can be used to apply? Since the gold card is one level higher than the ordinary card, certain conditions need to be met.

Requirements for applying for a credit card

1. First of all, you must meet the basic conditions for applying for a credit card, such as being between 18 and 65 years old, having a stable income, etc. , the requirements of each bank may be slightly different.

2. After meeting the basic conditions, for the gold card application, the bank will also require you to have certain assets, such as deposits, or large amounts of turnover, to prove your ability to repay.

3. Since the credit limit of a gold card is higher than that of a regular card, the credit requirements may be stricter. Some banks require that it is not overdue, and credit reporting is not allowed.

How to apply for a gold credit card

1. Apply online. You can go to the bank's official website or download the bank's mobile APP, select the card type you want, click online application, and fill in the relevant information.

2. Handle at the counter. Go to a nearby bank branch, bring your ID card, relevant asset certificates, and fill in the application form.

3. Handle through third-party channels. Nowadays, you can apply for credit cards on mobile WeChat and Alipay, but there may not be so many cards to choose from. If you happen to have the one you want, you can choose to apply for it here.

That’s it for everyone on how to apply for a gold credit card. I hope it will be helpful to you after reading it. Generally speaking, the conditions for banks to apply for gold cards are quite relaxed now. Anyone with no problem with their credit can apply for it.

What are the requirements for applying for a gold credit card?

1. Conditions for applying for a China Merchants Bank MINI credit card gold card

All main card applicants must be over 18 years old and have full Individuals with civil capacity, legal and stable sources of income, and good credit standing can apply to our bank's card issuer for a master personal credit card with their valid identity documents.

The main cardholder can apply for an additional card for the designated natural person who has full capacity for civil conduct or is over 15 years old and has limited capacity for civil conduct. If the applicant for the supplementary card is under 18 years old, The consent of its legal representative is required. The primary cardholder is responsible for all debts incurred by the supplementary card.

2. Application conditions for China CITIC Bank Gold Credit Card

Chinese residents, foreigners permanently residing in China, and compatriots from Hong Kong, Macao and Taiwan who are over 18 years old, have full capacity for civil conduct and have good credit standing, You can apply for a personal credit card master card from the card issuer with your valid identity document.

The main cardholder of the personal card can also apply for supplementary cards for other natural persons with full capacity for civil conduct or natural persons with limited capacity for civil conduct. Supplementary card application materials must be confirmed by the primary cardholder's personal signature, customer service call recording, electronic signature, or a method mutually recognized by the cardholder and the card-issuing bank. The main cardholder can apply to cancel the supplementary card at any time.

3. Application conditions for BOC Global Credit Card Gold Card

Any individual with full capacity for civil conduct and legal income can present his or her valid identity document (including ID card) recognized by the public security department. , military officer ID, police officer ID, pass, home return permit, passport, etc., the same below) apply for a personal master card from the card issuer.

An individual principal card applicant may apply for no more than three supplementary cards for his or her spouse and immediate family members with civil capacity; all amounts used in the supplementary cards will be credited to the principal card account, and the principal card holder will The person is responsible for repaying all amounts due on the supplementary card.

Extended information

Documents required to apply for the card:

1. Your supplementary card applicant’s identity document (such as ID card, military ID card, pass or Passport, etc.)

2. Your proof of residence (such as utility bills, bank/securities/insurance/fund statements, mobile phone bills, household registers for any month in the past two months) , driver's license, real estate certificate, rental contract or social security card - it must be in your own name)

Please provide any one of the following five income certificates:

1. Payslip for any month within the last three months (if the payslip does not show the name of the unit, please provide the original payslip).

2. Bank statement/bank book showing your name and income in any month within the last three consecutive months.

3. Show your name’s monthly statement or account details list of Bank of Communications automatic salary transfer for any month in the past three months.

4. A salary certificate issued in the name of the company and showing your name (the name of the employer should be shown on the letterhead or at the end of the letter and stamped with the official seal of the company).

5. The latest personal income tax bill.