What are the requirements for applying for a credit card?

As we all know, individuals who are 18 to 65 years old, have full capacity for civil conduct, have legal and stable sources of income, and have good credit can apply for a credit card. You can apply for a credit card. But whether the card can be successfully approved in the end depends on the person. From the mouths of many card gods, we know that these five types of people are more likely to be approved for credit cards.

When banks approve credit cards, they will score them based on the applicant's qualifications. The higher the score, the easier it is to approve the card. Generally speaking, applicants who meet the following characteristics will not have a very low score.

1. Have a sustained and stable income

In other words, a stable job. Whether the job is stable and whether there is income can reflect the applicant's ability to repay the loan. However, each bank has different views on this income stability.

For example, for the four major state-owned banks, for them, the people with stable jobs are generally employees of public institutions or state-owned enterprises, or employees of Fortune 500 companies. The jobs of these people are quite stable. , the income is also higher than ordinary people, and the repayment ability cannot be underestimated.

But for joint-stock commercial banks, as long as they have a job and income, and the working time is more than 3 months, it is equivalent to being stable. Generally, they are not very picky about the applicant’s workplace. If you are not a person in a high-risk occupation, it is still relatively easy to get stuck.

2. People with large deposits in the bank

People who have large deposits of more than 50,000 in the bank are generally high-quality customers of the bank. In the eyes of the bank, these people have deposits. , so there is no need to worry about their repayment ability. In addition to applying for credit cards on their own initiative, such people will also be invited by banks to apply for cards.

So, if you want to apply for a credit card from a certain bank, it is also a common method to open an account at that bank and save money to buy financial products.

3. College students and other highly educated groups

In fact, China Merchants Bank was the first to open the credit card market for college students. At least before 2010, when college students first came into contact with credit cards, only China Merchants Bank China Construction Bank approves cards for college students.

So, if you are a college student, it is generally easier to apply for credit cards from these two banks.

4. Have a mortgage loan in a bank

If you have a mortgage loan from a bank, it is easy to apply for its credit card, and the limit is at least 10,000. If you want to apply for a state-owned credit card For credit cards from the four major banks, you can try this method.

Some cardholders reported that they got a mortgage from China Construction Bank, applied for a CCB credit card online, and got a gold card with a limit of 10,000 yuan.

Of course, these four situations do not necessarily mean you can apply for a credit card. These are just common situations.

If you want to apply for a credit card quickly, the second one among the three situations that is most likely to meet the conditions is that you have a deposit in the bank. As for how much deposit each bank requires, it is recommended that it be more than 50,000. , after all, banks do not look down upon deposits below 50,000.

How to apply for a credit card

There are three ways to apply for a credit card, as follows:

1. Apply at the counter of a bank branch. Just go to the counter of the card-issuing bank branch where you want to apply for a credit card. Bring the information needed for the application when you go.

2. Apply online. Click Apply for a Credit Card on the official website of the bank where you want to apply, and the approval speed is also fast. As long as the user has good credit and meets the basic conditions, there is no problem in passing.

3. Process through the salesperson. Every bank will have a salesperson who is responsible for handling credit cards. You can contact them for processing.

In addition, the review results of different card application channels are the same, but the review speed of card application at offline outlets is not as fast as online review. If users want to get the approval results quickly, they can try to apply for a credit card online. .

How to apply for a credit card?

The first way to apply for a credit card is: the applicant goes directly to the bank counter to apply.

If you apply at a bank, you must fill in the information directly. There are bank staff on site who can guide me in filling in the relevant information, which can avoid the problem of being rejected if the information is filled in incorrectly. At the same time, we can issue more qualification certificates and wealth certificates, which will help increase our final card purchase limit. However, the credit card review process at the bank counter will be relatively slow, because the information must be reported from the branch to the credit card center, and then the card center will review your information. Another way is to apply for a card online: Nowadays, when applying for a credit card, we can apply for it on the official website of the credit card. However, when applying for a credit card online, we have to fill in the information ourselves, which makes it easier to fill in the information incorrectly. was dismissed. However, online application is mainly convenient and you don’t have to go out. You only need a mobile phone or a computer to apply. There is another way to apply for a credit card: that is, apply for a credit card through a bank’s credit card clerk. We often see these bank staff setting up stalls in shopping malls or other stores to promote credit card applications. This method of applying for a card allows you to receive prizes, but since they are all business personnel, their main purpose is to obtain performance, so we still have to carefully consider things that guarantee a high limit and ensure the card is issued, and not to believe too much. The process of applying for a credit card 1. Prepare the application materials. 2. After the materials are ready, you can go to the bank to apply or make an appointment online. 3. Then wait for the bank's approval. During the approval process, the bank will call the applicant to verify the information. 4. After the approval is passed, the bank will mail the card to the applicant. It will take about 3 weeks to get the card after successfully submitting the information. "Legal basis: Credit card business is a civil act. The General Principles of Civil Law, Contract Law, Criminal Law, People's Bank of China Law, Commercial Bank Law and other laws have principled provisions on credit card business. Chapter 5 of the "People's Bank of China Law" states that the People's Bank of China examines and approves the establishment, change, termination and business scope of financial institutions in accordance with regulations. Article 3 of the "Commercial Bank Law" has 13 items in its business scope. Credit goes to school. Businesses that fall under item 13 and are approved by the People's Bank of China are invalid and subject to corresponding criminal liability.

How to apply for a credit card?

The process for applying for a personal credit card is as follows:

1. Decide which bank to apply for. You can log on to the official websites of major banks for detailed information.

2. Apply and decide which bank to apply for. After getting the credit card, you can find time to apply directly at the branch. Some banks can also apply on the official website, and many banks will have branches outside. Just pay more attention.

3. Fill in the form and fill in the relevant information according to the staff's guidance. After completing the information, submit it to the bank for review.

4. Card issuance. After approval, the card will generally be sent by registered mail. Log in to the official website of the relevant bank to check the progress of the card application, or you can consult by phone.

5. Activation. When you receive the card, there will be relevant instructions for use. Read it carefully and remember the settlement date and repayment date. At the same time, you can set the relevant password according to the prompts. After opening, your credit card can be used. The limit is determined by the bank based on the information you submitted, social security, bank records, etc. If you feel that it is not enough, you can apply for a temporary limit or fixed limit from the bank. Quota.

Legal basis: "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks"

Article 57

Paragraph 2

When the card-issuing bank receives repayment from the cardholder, it will offset various arrears in the credit card account in the following order: if it is overdue for 1-90 days (inclusive), the interest or fees receivable will be paid first, and then the principal. If the credit card is overdue for more than 91 days, it will be repaid in the order of principal first, then interest receivable or various fees.

Introduction to how to apply for a credit card and how to apply for a credit card. That’s it. Did you find the information you need?