Credit card processing information:
Need my second-generation ID card;
A work certificate and income certificate stamped with the financial seal of the unit;
No bad credit record;
Other financial certificates, such as real estate, cars, stocks, bonds, etc.
Credit card application process:
Fill in the application form;
Information of the bank itself and a copy of the information;
The bank sends it to the credit card center;
The credit card center conducts audit, business card printing and card issuance;
After getting the card, I opened the card and waited for the password letter.
At least 18 years old is a compulsory requirement for handling credit cards, but without work certificate, it is easy to be rejected to apply for credit cards. Therefore, if there is no unit, it is best to have fixed assets such as real estate and automobiles or a stable source of income. You can also go to a bank with transactions, get a bank flow certificate, and apply to the bank. If the income source is relatively stable, the application success rate is still very high.
There will be many reference factors, such as work, income, stability, personal credit and so on. The most important application condition is that 18-60 years old or above, has a stable job and income, and the necessary application documents are "copy of identity certificate" and "work certificate". If you can provide other financial documents, it will be more helpful to understand your personal situation and judge the credit limit. The proof of financial resources can be a payroll record issued by the bank, or an income tax withholding certificate, or a copy of real estate license/car driving license/bank time deposit certificate and other materials that can prove your financial level. Other reference documents: personal account list of social insurance in the last 6 months, water, electricity and gas bills, credit card bills of other banks, etc.
There are several ways to increase the bank credit card limit:
Provide sufficient economic proof when handling the card. When applying for a credit card, provide as many financial certificates as possible, such as income certificate, bank deposit certificate, real estate certificate, vehicle production certificate, etc. The bank will evaluate the cardholder's assets according to these certificates. If the cardholder has a deposit in CCB or is a civil servant, it will also help the cardholder to obtain good credit and approve a higher credit limit;
Use a credit card as much as possible. The bank will make a comprehensive evaluation based on the customer's past card use. It is suggested that cardholders can diversify their consumption types, such as household appliances consumption, catering consumption and supermarket shopping. And spend as much as possible in physical stores. The bank credit card center will adjust the amount according to the cardholder's usage rate and repayment record;
Ensure a good repayment record. After using the bank credit card to spend money, you must ensure that you repay on time before the monthly repayment date. Once it is overdue, it will not only pay a high late fee, but also produce a bad credit record, which will affect future credit card applications. If you can't repay in time in case of emergency, you can call the bank's customer service hotline and apply for deferred repayment;
Apply for increasing the temporary quota. Bank credit card holders can apply to voluntarily increase the temporary limit, and the bank will comprehensively evaluate the range of the limit that cardholders can increase according to their usual consumption and repayment. If the temporary quota is often increased, banks will think that the demand for credit cards is strong and it is not difficult to increase the fixed quota. The temporary quota needs to be paid off in one lump sum. Please be careful not to generate late fees.
The above is the basic way of bank credit card application and withdrawal service.