Conditions required for credit card processing:
1. There is a certain age requirement for handling credit cards, that is, 18 to 60 years old, with full civil capacity.
2. You need to provide corresponding valid identity documents, and truthfully fill in your own information when applying for a credit card, including identity information and academic information.
3. Applicants should have a fixed work unit, a stable source of income and the ability to repay loans.
4. Banks also need proof of income and financial resources, including copies of passbook and real estate license.
5. proof of residence is required, which can be a copy of the household registration book or a proof issued by the street.
6. Personal credit records should meet the requirements of banks, and a good credit record is required for handling credit cards.
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 and cardholder's name 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.
What are the requirements for applying for a credit card?
The main requirements for applying for a credit card are as follows:
1. Age: Generally, citizens who have reached the age of 18 need to submit proof of identity documents.
2. Stable repayment ability: proof of work and income is generally required. In order to increase the success rate of application and credit limit, it is generally recommended to provide proof of own property, proof of own vehicle and proof of bank assets. The card issuing standards of each bank are different, depending on the requirements of the bank.
3. Good credit: That is to say, you are required to have no bad credit record, and the bank will check this condition by itself.
Credit card application process:
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit certain certificates and copies of certificates for issuance. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. The credit card contract is attached to the application form, and the applicant authorizes the card issuer or relevant departments to investigate the relevant information, and submit the information authenticity statement and the card issuer's privacy protection policy. , and must be signed by the applicant.
material
(1) information of the main card holder.
(2) Supplementary card applicant information.
(3) Guarantor information.
(4) Other information.
(5) statements and signatures of the applicant for the main card and the applicant for the supplementary card.
(6) Bank column.
check
After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.
Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of issuing audit are trade secrets, which are generally difficult for the outside world to understand. Different materials have different distribution standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.
hairpin
After the applicant successfully applies for a credit card, the card issuer will open a separate credit card account at the card issuing bank for shopping, consumption and cash withdrawal.
Activate bank card
Because the credit card application is sent by postcard, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened. Card opening is mainly through telephone or internet.
What are the requirements for opening a credit card?
Legal analysis: the conditions for opening a credit card are as follows: 1, and the age is between 18-65; 2. Have a stable occupation and income; 3. Have good credit and the ability to repay the principal and interest on time; 4. Natural persons with full capacity for civil conduct (robots, vegetarians, minors and people with a certain degree of mental illness are not allowed). To apply for the supplementary card, the following conditions must be met: a natural person with full or limited capacity for civil conduct, an applicant for the supplementary card who is 13 years old or under 16 years old, and a copy of the household registration book must be provided when applying.
Legal basis: Article 32 of the Law of the People's Republic of China on the People's Bank of China, the People's Bank of China has the right to inspect and supervise the following acts of financial institutions, other units and individuals: (1) the act of implementing the relevant provisions on the management of deposit reserve; (2) Acts related to the special loans of the People's Bank of China; (three) the implementation of the relevant provisions on the administration of RMB; (four) the implementation of the provisions on the management of the interbank lending market and the interbank bond market; (five) the implementation of the relevant provisions on foreign exchange management; (six) the implementation of the relevant provisions of the gold management behavior; (7) Acting for the People's Bank of China to manage the national treasury; (eight) the implementation of the relevant provisions of liquidation management; (nine) the implementation of the relevant provisions. The special loan of the People's Bank of China mentioned in the preceding paragraph refers to the loan granted by the People's Bank of China to a special-purpose financial institution decided by the State Council.
What are the conditions for obtaining a credit card?
1. Credit card application conditions:
1. Does it meet the requirements for banks to issue credit cards?
2. The age is between 18 and 65.
3. Have a stable occupation and income.
4. Have good credit and the ability to repay the principal and interest on time.
5. Natural persons with full capacity for civil conduct (robots, vegetarians, minors and people with a certain degree of mental illness are not allowed).
Two, when applying for a credit card, you need to submit the following materials:
1, identification materials: copy of personal identity card;
2. Work certificate and income certificate: including the original and photocopy of your work permit, the bank statement of your salary for the last three months, etc.
3. Other financial proof materials: such as bank deposits, purchased funds, social security, etc. in the name of the individual.
Measures for the Supervision and Administration of Credit Card Business of Commercial Banks Article 7 The term "credit card" as mentioned in these Measures refers to various media that record the relevant information of the cardholder's account, have the function of bank credit line and overdraft, and provide relevant banking services for the cardholder.
What are the requirements for credit cards?
1. There are certain age requirements for handling credit cards: you must have full capacity for civil conduct, that is, 18 years old and above;
2. Have legal and stable income and good credit;
3. Provide corresponding identification documents: a copy of ID card or military officer's card;
4. Work certification documents. Some banks also need to provide proof of income and financial resources. Proof of financial resources can include a copy of real estate license, a copy of motor vehicle driving license, passbook, etc. Anyway, it's easier to look at personal repayment ability according to economic proof;
5. The proof of residence can be a copy of the household registration book, a certificate issued by the street, or other supporting materials. This is easier to do;
6. There is also an application form for applying for a credit card.
Legal basis:
Notice of the People's Bank of China on matters related to credit card business: Bank card clearing institutions shall, in strict accordance with the relevant regulatory provisions on bank card business, further improve the rules and technical standards for credit card transactions together with card issuers and acquirers. All card issuers and acquirers should truly reflect and accurately identify business types such as cash withdrawal, cash transfer and cash recharge, and completely transmit transaction information to ensure the authenticity, integrity, traceability and consistency of transaction information in the payment process, so as to facilitate card issuers to identify and judge risks and ensure the security of credit card transactions.
Article 35 of the Law of People's Republic of China (PRC) Commercial Bank: When issuing loans, commercial banks should strictly examine the borrower's borrowing purpose, repayment ability and repayment method.
Commercial bank loans shall be subject to the system of separating loan review from grading approval.
Article 36 of People's Republic of China (PRC) Commercial Bank Law: When a commercial bank lends money, the borrower shall provide a guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral.
After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.
Article 37 of People's Republic of China (PRC) Commercial Bank Law: A commercial bank shall conclude a written contract with the borrower when granting loans. The contract shall stipulate the type, purpose, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties think need to be agreed.
The introduction of credit card account opening conditions ends here.