State-owned banks generally pay more attention to household registration. If you have a local household registration in Chongqing, it should be relatively simple. You need a work permit and ID card. If your job is general and you have a household registration in other places, you may be asked to provide more information, such as For things like utility bills and phone lists, if you currently have a credit card from another bank, you can apply for a credit card from another bank directly with the card.

Certain conditions need to be met to apply for a Bank of China credit card. For details, please see the relevant knowledge about applying for a credit card:

1. In most cases, when applying for a credit card, you must have full civil capacity (China Mainland citizens (citizens aged 18-60 years or above) who have certain direct financial resources and can repay their loans on time can apply for a credit card from the card-issuing bank.

2. Apply for a bank credit card: As long as the applicant works in a company (that is, has direct financial resources), is over 18-60 years old, and can issue a work certificate and income certificate to the bank (currently, some Bank credit cards do not require proof of employment. As long as the card applicant has classes in one place, he or she can contact the card salesperson to apply for a credit card; you can also go to the bank's official website to apply for a credit card. No proof is required at this time), and you can do it on time The repayment can be processed.

3. Domestic residents need to provide: a completed and signed application form, identity document, income certification document; foreigners and people from Hong Kong, Macao and Taiwan also need to provide: Foreigner Residence Permit (Residence Permit) The reason must be employment) or employment certificate for foreigners/Hong Kong, Macao and Taiwan residents;

If you are a private owner, in addition to the above information, you must also provide: an industrial and commercial business license showing the applicant’s name, company name and date of commencement of operations. Copy (this prerequisite requires the legal representative of the business license).

4. If you want to apply for a credit card with a relatively large limit (such as a platinum card), you need to provide proof of good financial strength, such as: a copy of the real estate certificate, a copy of the car license (not a driver's license); Copies of large deposit receipts, etc. (Platinum card applications cannot be applied directly online, and you need to submit application materials at an outlet).

5. Relatively speaking, national joint-stock commercial banks are easier to handle than the five major state-owned banks.

6. There is no charge for credit card processing. Approval is subject to the bank's final review result.

7. The credit card approval limit is determined by the issuing bank based on its own situation (risk control capabilities, credit policies, etc.), the materials provided by the applicant, the credit report of the Credit Information Center of the People's Bank of China, and other comprehensive factors. of.

Application materials that should be prepared when applying for a credit card (proof of identity, proof of work, proof of financial resources):

1. Proof of identity: usually an ID card (if you are using a new version of the ID card, Photocopies of both sides are required); military personnel need to provide a photocopy of military ID; foreigners: passport and residence permit or employment permit; Taiwanese: Taiwan Compatriot Permit and Employment Permit; Hong Kong and Macao citizens: Home Return Permit and Employment Permit/Residence Permit) ; The temporary ID card requires a second-generation temporary ID card valid for more than 3 months and a copy of the household registration book.

2. Work certificate: It can be the original work certificate issued by the employer (indicate the specific company name, department, position and annual income, and stamp the company seal or personnel seal), or A copy of the original and marked work ID that has been verified by the promoter;

3. Proof of financial resources: If you want to apply for a credit card with a relatively large limit or a gold card, platinum card and above, it is recommended to provide more Financial information. It can be salary records issued by banks (records with annual income of more than RMB 80,000 can be provided), income tax withholding certificates (such as tax payment certificates when winning a lottery), or high-end private cars, large deposits or investment market values, etc. that can prove the card application. Information on the level of human and financial resources.

Other documents available for reference include: credit cards from other banks (need to be opened and used for more than half a year, with good repayment records), social insurance personal account list in the past 6 months, etc. If the card holder can provide relatively complete financial proof documents, it will be more helpful for the bank to understand the card holder's personal situation and judge the credit limit, and approve a high-limit credit card or platinum card.