Having a mortgage proves that you have the ability to buy a house and have a certain economic foundation. You can apply for a credit card, and the bank will still check whether other conditions are met.

The most important conditions for applying for a credit card are:

① 18-60 years old;

2 have a stable job and income;

(3) The necessary application documents are copies of identity certificates and work certificates;

(4) Provide other financial vouchers.

Detailed application materials are as follows:

1, identification: generally, it is an ID card (if you use a new ID card, you need a copy of the front and back), and soldiers need to provide a copy of the military ID card;

2. Work certificate: it can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and affix the official seal or personnel seal of the company), or a copy of the work permit/card verified and marked by the sponsor;

3. Proof of financial resources: it can be a payroll record issued by a bank, an income tax withholding certificate, or a market value certificate of a house, a car, a deposit or an investment (such as a copy of the real estate license/car driving license/bank time deposit certificate) and other materials that can prove your economic level.

4. Other documents for reference include: personal account list of social insurance in the last 6 months, water, electricity and gas bills, credit card bills of other banks, etc.