Those who work at an insurance company can apply for a credit card, as long as they meet the requirements.

In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can apply for a credit card from the card issuing bank. Sometimes, legal persons can also be applicants.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank.

After the customer fills in the application form truthfully, he or she must also submit relevant credit certificates while submitting the completed application form. The application form is accompanied by a contract for the use of the credit card.

The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement on the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.

Extended information:

According to the "Notice on Issuing the "Credit Card Business Management Measures"":

Article 60 Cardholders use corporate cards for overdrafts , the unit shall be responsible for repaying the overdraft amount and paying overdraft interest. If a cardholder encounters an overdraft when using a personal supplementary card, the principal cardholder shall bear the responsibility for repaying the overdraft amount and paying overdraft interest; if the principal cardholder loses the ability to repay, the supplementary cardholder shall bear the responsibility for the overdraft. Repayment of the amount and liability for payment of overdraft interest.

Article 61: Disputes between cardholders and special agencies shall be resolved by both parties themselves. Cardholders may not refuse to repay debts incurred due to the use of credit cards on the grounds of disputes.

Article 62: Cardholders must properly keep and use their credit cards correctly, otherwise, they will be responsible for any resulting financial losses.

Article 63: For losses caused by fraudulent use after the cardholder reports the loss, the relevant person responsible shall bear liability in accordance with the provisions of the credit card regulations.

Article 64: If a corporate cardholder violates the provisions of these Measures and uses it to settle goods transactions or labor supply payments exceeding 100,000 yuan, he or she shall be fined 50,000 to 100,000 yuan.

Article 65 If a corporate cardholder violates the provisions of these Measures and transfers money from accounts other than the basic deposit account or sales income or deposits cash into his or her credit card account, he or she shall be ordered to transfer the money to the credit card account. In addition to returning to the basic deposit account, a fine of 50,000 yuan to 100,000 yuan will be imposed.

If a personal card holder violates the provisions of these Measures and transfers the company's money to his credit card account, he will be ordered to return the money and be fined 5,000 to 10,000 yuan.

Article 66: If a cardholder withdraws cash in violation of the provisions of these Measures, he or she shall be fined 30% to 50% of the amount of cash withdrawn.

Article 67 If a cardholder violates the provisions of these Measures by renting or lending a credit card and its account, in addition to being ordered to make corrections, he or she will be fined 5% of the amount incurred in renting or lending the account but not A fine of less than 1,000 yuan will be imposed and the illegal income will be confiscated.

Article 68 If a cardholder maliciously overdrafts, he or she shall be held criminally responsible in accordance with the law.

Article 69: When accepting a credit card, a special unit shall handle it in accordance with the prescribed operating procedures. Otherwise, any financial losses caused shall be borne by it.

Article 70: If a staff member of a special agency participates in bank fraud activities and constitutes a crime, he or she shall be held criminally responsible in accordance with the law.

Baidu Encyclopedia-Credit Card