At present, there are many credit card issuers in various banks. According to different customer groups, the emphasis on personal credit requirements is different, and the specific requirements are different, but some basic conditions are the same:

1, aged between 18 and 65;

2. Have a stable occupation and income;

3. Have good credit and the ability to repay the principal and interest on time;

4. Natural persons with full capacity for civil conduct (robots, vegetarians, minors and people with a certain degree of mental illness are not allowed).

If the conditions for applying for an ordinary credit card have not been met, you can apply for a supplementary card through your parents or spouse. To apply for a supplementary card, you must meet the following conditions:

1, a natural person with complete or limited capacity for civil conduct.

2. At least 13 years old.

3./kloc-Applicants for supplementary cards under the age of 0/6 should provide a copy of the household registration book when applying.

Relevant credit certificates that the applicant should provide:

First, we should fully prepare all kinds of asset certificates.

1. Generally speaking, if you already have one or more credit cards and have a good repayment record, you generally don't need to provide proof of income or assets. You only need to make a copy of your existing credit card when applying, and send it together with the application form (even if the credit card you have is not the card of the applying bank, because all banks can check the credit status through the personal credit information system of the central bank, and good consumer credit and repayment credit are the most important for banks).

2. If it is the first time to apply for a credit card, because there is no consumer credit record, the bank mainly decides whether to approve the card and the size of the credit line according to various incomes and assets.

Generally speaking, if you apply for a credit card for the first time, the amount will not be too high unless you can provide sufficient proof of assets, such as proof of income, proof of house ownership, proof of mortgage purchase, proof of automobile ownership, bank deposit certificate or securities certificate.

3. In addition to the asset certificate, other certificates that can prove personal ability are also helpful to obtain high-value credit cards, such as academic qualifications and technical level certificates.

Second, fill in the application form carefully.

Generally speaking, the following aspects on the application form will affect the bank's credit evaluation score for you (the higher the credit score, the higher the probability of obtaining credit card approval and the higher the limit):

1. Is there a fixed telephone in this city (having a fixed telephone in this city means that the residence is stable, which will increase the credit evaluation score of the bank for you);

2. Whether or not to get married (the score of married is higher than that of unmarried);

3. Whether it is a local account (the score of local account is higher than that of foreign account);

4. Whether there is a house (a house is higher than no house, and living by yourself is higher than living with parents);

5. Education (the higher the education, the higher the score);

6, the nature of the work unit (the more stable the work unit, the higher the popularity, the higher the score. For example, institutions, large state-owned enterprises, and Fortune 500 enterprises all scored relatively high, while unknown private enterprises and foreign enterprises scored relatively low);

7. Position (The higher the position, the higher the score. For example, civil servants and company managers score higher than ordinary employees)