1. First of all, you need to meet the application conditions: China citizens aged 18-60 (some credit cards will relax the age limit to 65, etc.). ), with full capacity for civil conduct, good credit status, a certain source of income and a stable residence. Please refer to the regulations of the issuing bank for specific application requirements.

2. Then apply: There are many channels to apply for a credit card, such as bank outlets, bank official website, bank mobile app and so on. Applicants can follow the steps shown on the page. For example, China Construction Bank official website application steps: open the official website of China Construction Bank-credit card-credit card application-card selection-fill in information-read the agreement-confirm the signature-submit the application.

3. Review: After the applicant submits the materials, the issuing bank will review the materials of the applicant, including whether the materials filled in by the applicant are true or not, and evaluate the credit status of the applicant's unit.

4. Then issue the card: After the approval, the issuing bank will open a separate credit card account for the applicant at the issuing bank. Usually, offline applications can be collected at the bank counter, and online applications are usually sent to the applicant's receiving address by mail.

5. Finally, card opening: card opening is mainly by telephone or online. After checking the relevant personal information provided at the time of application, the card is successfully opened and can be officially used after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card.