Not necessarily. Apply at the counter with credit certificate: the applicant needs to submit a relatively complete asset certificate and submit it to the bank's back-office audit department for review. The object of applying for credit card can be divided into units and individuals.

When applying for a credit card, each unit can get a main card and multiple 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.

Extended information Because the card was mailed after the credit card application was approved, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened.

Check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements. At this time, the applicant becomes the cardholder and can officially start using it 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.

Baidu encyclopedia-credit card