What are the requirements for applying for a credit card?
What are the requirements for applying for a credit card:
1. There are certain age requirements for applying for a credit card, that is, between 18 and 60 years old and having Full capacity for civil conduct.
2. You need to provide corresponding valid identity documents. When applying for a credit card, you must truthfully fill in your information, including identity information, education information, etc.
3. Applicants must have a fixed workplace, a stable source of income, and the ability to repay loans.
4. The bank also requires proof of income and financial resources. Proof of financial resources includes passbooks, copies of real estate certificates, etc.
5. Documents proving your place of residence are required, which can be a copy of your household registration booklet or a certificate issued by the street.
6. Personal credit records must meet the requirements of the bank, and a good credit record is required to apply for a credit card.
A credit card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. The form of a credit card is a card with the name of the card-issuing bank, validity period, number, cardholder name, etc. printed on the front. Consumers holding credit cards can go to a special commercial service department to shop or consume, and then the bank will work with the merchant and the cardholder to The cardholder can make an overdraft within the prescribed limit.
What are the requirements for applying for a credit card?
1. There are certain age requirements for applying for a credit card: you must have full civil capacity, that is, you must be 18 years old and above;
2 , have legal and stable income, and have good credit;
3. Provide corresponding identity documents: a copy of ID card or military officer certificate;
4. Work certification documents, with The bank also needs to provide proof of income and financial resources. Proof of financial resources can include a copy of the real estate certificate, a copy of the motor vehicle driving license, a bankbook, etc. Anyway, the proof of financial resources depends on the individual's repayment ability, which makes it easier to apply for;
5. Documents proving the place of residence, It can be a copy of the household registration book, or certification materials issued by the street, or other certification materials. This is relatively easy to do;
6. There is also an application form to apply for a credit card.
Legal Basis:
"Notice of the People's Bank of China on Matters Related to Credit Card Business": Bank card clearing agencies should work with card issuers and acquirers to strictly follow the relevant laws and regulations regarding bank card business. Supervise regulations and further improve credit card transaction business rules and technical standards. All card issuers and acquirers should truly reflect and accurately identify business types such as cash withdrawals, cash transfers, and cash recharges, and completely transmit transaction information to ensure the authenticity, completeness, traceability, and consistency of transaction information in the payment process. It facilitates card issuers to identify and judge risks and ensures the security of credit card transactions.
Article 35 of the "Commercial Bank Law of the People's Republic of China": Commercial bank loans shall strictly examine the borrower's purpose of borrowing, repayment ability, repayment method, etc.
Commercial bank loans should implement a system of separation of review and loan and hierarchical review and approval.
What are the requirements for applying for a credit card?
What are the requirements for applying for a credit card:
Different banks and different types of credit cards have different requirements for applicants. Different, but no matter what kind of credit card you apply for, the applicant needs to meet the following conditions:
1. The applicant is over 18 years old and has full capacity for civil conduct. In addition, the bank has certain age requirements for credit card applicants. Maximum limit: Some banks stipulate that the maximum age is no more than 60 years old, and some banks stipulate that the maximum age of the applicant is no more than 65 years old;
2. The applicant has a stable job and sustainable financial resources. ;
3. The applicant’s personal credit report has no bad records such as overdue credit.
The above conditions are the basic conditions for applying for a credit card. Usually, if you meet these basic conditions, you will have the opportunity to apply for a regular credit card. However, if you want to apply for a higher-level credit card, the applicant still needs to meet bank regulations. Other conditions, such as the amount of bank deposits required, etc. The specific conditions are subject to bank regulations.
For those who need a credit card, when we apply for a credit card, we also need to prepare the relevant information for applying for the credit card in advance.
Credit card identity certificate is an essential document. Secondly, the credit card application form must be filled in. When filling in the credit card application form, applicants should pay attention to writing as high an income as possible, in addition to their own salary. In addition to income, other incomes such as year-end bonuses and investment income are also included, because the higher the income level, usually the credit card limit applied for will be higher. Of course, we cannot exaggerate too much, and we must fill it out truthfully, let alone provide false information. Once the bank discovers that we have provided false information, it can easily lead to the rejection of your credit card application.
In addition, when applying for a credit card, you need to provide proof of employment, financial resources and other information. Applicants can provide bank salary records, bank deposits, real estate, vehicles and other financial level information. Generally, the stronger the financial level, then The more conducive it is to apply for a high-limit credit card.
The following are the credit card channels for Ping An, Minsheng, and CITIC Bank. If you need it, you can apply by yourself!
Ping An Bank Credit Card Application
CITIC Bank Credit Card Application
Minsheng Bank Credit Card Application
What are the requirements for applying for a credit card?
To apply for a China Merchants Bank credit card, you need to meet the following conditions:
1. Be between 18 and 60 years old and have full capacity for civil conduct;
2 , be able to provide a valid identity document. Foreigners, Hong Kong, Macao and Taiwan residents living in China can provide relevant identity documents such as passport, residence permit or employment certificate;
3. Have a stable and legal source of income;
4. The personal credit status is good and there is no bad credit record;
5. Other conditions or regulations required by China Merchants Bank.
China Merchants Bank Credit Card has created more than a hundred new products and services, adheres to the promotion of cross-industry cooperation model, and has successively cooperated with leading enterprises in different life fields such as department stores, tourism and sports consumption industries to provide cardholders with People provide products and functional services in a dual sense. In September 2007, China Merchants Bank took the lead in proposing the "five-fold security" credit card service concept, consolidating its leading brand position in the industry.
What are the requirements for applying for a credit card?
1. The applicant must be over 18 years old.
2. Original valid ID card.
3. A fixed job with stable income (work certificate provided by the employer).
4. The credit record is good, there is no bad credit record, and it meets the requirements of the card center.
A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.
Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.
Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).
Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.
Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).
On May 25, 2021, the Supreme People’s Court issued and implemented the “Regulations of the Supreme People’s Court on Several Issues Concerning the Trial of Bank Card Civil Cases.”
This concludes the introduction to the requirements and conditions for applying for a credit card. Have you found the information you need?