What are the requirements for applying for a Bank of China credit card?

Any Chinese citizen who is between the ages of 18 and 65, has full capacity for civil conduct, has a legal and stable income, and has a legal and stable income in China. Foreigners and compatriots from Hong Kong, Macao and Taiwan who meet the right of residence and other conditions can apply for Bank of China credit cards locally.

Document requirements for applying for a credit card: Chinese residents: a copy of the resident ID card, military personnel can provide a copy of the military officer ID card;

Foreigners: a copy of the passport and the "Foreigner Residence Permit" 》Copy or copy of "Permanent Residence Permit for Foreigners"; for Hong Kong, Macao and Taiwan residents: "Mainland Travel Permit for Hong Kong and Macao Residents" or "Return Permit for Hong Kong and Macao Compatriots" or "Mainland Travel Permit for Taiwan Residents".

The above content is for your reference, please refer to actual business regulations.

What are the requirements for applying for a credit card?

Conditions for applying for a credit card: The applicant for the main card must be between 18 and 60 years old, and the applicant must have the ability to repay the principal and interest of the loan on time; and have a good credit record and willingness to repay; can provide legal and reliable guarantee recognized by the bank.

Age: The main card applicant must be between 18 and 60 years old (overseas residents are between 25 and 60 years old);

ID card: A copy of the front and back of the ID card is required (if it is a temporary ID card, a second-generation temporary ID card valid for more than 3 months and a copy of the household registration book are required);

Military personnel must provide a copy of their military ID card; foreigners can use their passport and residence permit or employment permit; Taiwanese nationals can use the Taiwan Compatriot Permit and Employment Permit; Hong Kong and Macao people can use the Home Return Permit and Employment Permit;

Work certificate: It can be the original work certificate issued by the employer (indicate the specific company name, department, Position and income status, and stamped with the company's official seal or personnel seal), or a copy of the original and marked work permit/tag that has been verified by the promoter;

Proof of financial resources: it can be a salary record issued by a bank, Or income tax withholding certificate, or copy of real estate certificate/car driving license/bank time deposit certificate, etc.; and for example, social insurance personal account list in the past 6 months, water and gas bills, credit card bills from other banks, etc.

The basic functions of credit cards are the same, including card consumption, online payment at home and abroad, cash advance, installment payment, credit card points, accumulated credit, interest-free period of up to 50 days, etc., for different purposes Credit cards will launch different offers and promotions from time to time.

What are the requirements for applying for a credit card?

1. The applicant must be over 18 years old.

2. Original valid ID card.

3. A fixed job with stable income (work certificate provided by the employer).

4. The credit record is good, there is no bad credit record, and it meets the requirements of the card center.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).

On May 25, 2021, the Supreme People’s Court issued and implemented the “Regulations of the Supreme People’s Court on Several Issues Concerning the Trial of Bank Card Civil Cases.”

What are the requirements for applying for a credit card?

Hello, if you are applying for a credit card from our bank, the most important requirements for applying for a credit card are that you are 18-60 years old and have a stable job and income. The necessary application documents are a copy of your identity certificate and your job title. Supporting documents, if you can provide other supporting documents of financial resources, it will be more helpful for us to understand your personal situation and determine your credit limit. Detailed application information is as follows:

1. Proof of identity: usually an ID card (if you are using a new version of the ID card, a copy of the front and back sides is required), military personnel need to provide a copy of the military ID card;

2. Work certificate: It can be the original work certificate issued by the unit where you work (please indicate the specific company name, department, position and income, and stamp the company seal or personnel seal), or the original has been verified by the promoter A copy of the work permit/plate with the mark;

3. Proof of financial resources: it can be a bank salary record, or income tax withholding certificate, or documents proving the market value of houses, cars, deposits and investments (such as real estate Certificate/car driving license/copy of bank deposit certificate) and other materials that can prove your financial level. Other documents available for reference include: social security personal account list in the past six months, water and gas bills, credit card bills from other banks, etc.

If you have other questions, please add QQ corporate customer service 4008205555 or look for the WeChat public account "China Merchants Bank Credit Card Center" and add it.

What are the requirements for Bank of China to apply for a credit card?

Any Chinese citizen who is between 18 and 65 years old, has full capacity for civil conduct, has a legal and stable income, and has a legal and stable income in China. Foreigners and compatriots from Hong Kong, Macao and Taiwan who meet the right of residence and other conditions can apply for Bank of China credit cards locally.

Document requirements for applying for a credit card: Chinese residents: a copy of the resident ID card, military personnel can provide a copy of the military officer ID card;

Foreigners: a copy of the passport and the "Foreigner Residence Permit" 》Copy or copy of "Permanent Residence Permit for Foreigners"; for Hong Kong, Macao and Taiwan residents: "Mainland Travel Permit for Hong Kong and Macao Residents" or "Return Permit for Hong Kong and Macao Compatriots" or "Mainland Travel Permit for Taiwan Residents".

The above content is for your reference, please refer to actual business regulations.

What are the requirements for applying for a credit card?

To apply for a China Merchants Bank credit card, you need to meet the following conditions:

1. Be between 18 and 60 years old and have full capacity for civil conduct;

2 , be able to provide a valid identity document. Foreigners, Hong Kong, Macao and Taiwan residents living in China can provide relevant identity documents such as passport, residence permit or employment certificate;

3. Have a stable and legal source of income;

4. The personal credit status is good and there is no bad credit record;

5. Other conditions or regulations required by China Merchants Bank.

China Merchants Bank Credit Card has created more than a hundred new products and services, adheres to the promotion of cross-industry cooperation model, and has successively cooperated with leading enterprises in different life fields such as department stores, tourism and sports consumption industries to provide cardholders with People provide products and functional services in a dual sense. In September 2007, China Merchants Bank took the lead in proposing the "five-fold security" credit card service concept, consolidating its leading brand position in the industry.

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