In addition to identification, the applicant should also provide at least one proof of income or financial resources. There are a lot of proof materials, and you can successfully apply for a card by providing one or two effective materials.
Proof of income: proof of work: Many banks have a fixed form of proof of work. Just go to the bank outlet and ask for a filled chapter. When writing your work permit, you should include important information such as name, ID number, full name of the company, position and annual salary. A labor contract stamped with the official seal of the employer can also be used as application materials, which is equivalent to a work certificate.
Extended data:
Main features: cash is not allowed to be deposited in advance, consumption is followed by repayment, interest-free repayment period can be enjoyed, repayment can be made in installments (minimum repayment amount), and international credit card organizations such as VISA, Master Card and JCB are added for global use.
It is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range. It has two functions: payment and credit. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers.
It is a high-tech product integrating financial business and computer technology; Can reduce the use of cash currency; Can provide settlement services, facilitate shopping and consumption, and enhance the sense of security; It can simplify the collection procedure and save social labor; It can promote commodity sales and stimulate social demand.
In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
The object of applying for credit card can be divided into units and individuals. Units applying for credit cards should be institutions, enterprises, foreign-funded enterprises and individual industrial and commercial households with independent legal personality in China. Each unit applying for a credit card can get a main card and several (5- 10) supplementary cards as needed.
Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit copies of some certificates and vouchers to the issuing bank; After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.
A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
Baidu encyclopedia-credit card