Conditions for applying for a credit card:

1. No credit cards from other banks have been overdue for more than 30 days in the past 6 months;

2. Average credit The limit is not less than 5,000 yuan; if you have more than 3 credit cards from other banks and use more than 90% of the limit, the bank will generally not process it.

If you are a first-time applicant, the credit card application materials are divided into necessary information and auxiliary information: the necessary information is the information you must provide when applying for the bank's credit card, and the auxiliary information is to help you improve the review Pass rates and credit limits.

1. Identity proof information: a copy of the resident ID card or military officer's ID card; if you are a compatriot from Hong Kong and Macao, you need to provide a copy of the mainland travel permit and proof of residence for more than one year; if you are a foreigner, then Just provide a copy of your passport and residence permit for more than one year.

2. Proof of work and income: Choose from salary certificate or business card and badge with photo.

Under normal circumstances, if you hold a credit card from a bank and have a good credit card consumption record, you have accumulated some credit records. Your personal credit record is universal between banks, so the next bank will approve it. It will also be much simpler. When you apply for the same bank credit card again, the approved credit limit will be higher than the previous credit card. The bank where you apply for the card will also give you an equal or higher limit based on the credit card limit you hold.