You can apply for credit cards from different banks at the same time, and it takes 3 months or more for the same bank to apply repeatedly.

In most cases, citizens who have full capacity for civil conduct (citizens aged 18 or above in Chinese mainland) and have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

people who apply for credit cards can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China.

each unit can get a main card and several (5-1) supplementary cards when applying for a credit card. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks.

forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee. The application method is generally by filling in a credit card application form, which generally includes the name, basic information, economic situation or income source, guarantor and its basic information of the applicant.

and submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate.

the application forms are accompanied by a credit card use contract, and the applicant authorizes the issuing bank or relevant departments to investigate its relevant information, and submit a statement on the authenticity of the information, the issuing bank's privacy protection policy, etc., with the applicant's autograph.

Extended information:

According to the Notice of the People's Bank of China on Matters Related to Credit Card Business:

1. Interest rate standard

The upper and lower limits of credit card overdraft interest rate are managed, with the upper limit of overdraft interest rate being .7 times of the daily interest rate. The method of calculating and settling interest on credit card overdraft, whether to calculate and pay interest on credit card overpayment and its interest rate standard shall be determined by the card issuer independently.

ii. Interest-free repayment period and minimum repayment amount

The conditions and standards for cardholders to enjoy interest-free repayment period and minimum repayment amount for overdraft consumption shall be determined by the card issuer independently.

iii. liquidated damages and service charges

the late payment fee for credit cards shall be cancelled. for the cardholder's overdue repayment, the card issuer shall agree with the cardholder through agreement whether to collect liquidated damages, and the relevant collection methods and standards.

if the card issuing institution provides the cardholder with card service exceeding the credit limit, it shall not charge the over-limit fee. The card issuer shall not charge interest on the service fees such as liquidated damages, annual fees, cash withdrawal fees and currency exchange fees charged to the cardholder.

iv. cash advance business of credit card

cash advance business of credit card includes cash withdrawal, cash transfer and cash recharge. Among them, cash withdrawal means that the cardholder obtains the funds within the cash limit of the credit card in the form of cash through self-service machines such as counters and ATMs.

cash transfer means that the cardholder transfers the funds within the cash limit advanced by the credit card to his bank settlement account; Cash recharge means that the cardholder transfers the funds within the cash limit of the credit card to the payment account opened by himself in a non-bank payment institution.

cardholders can withdraw cash through ATM and other self-service machines, and the daily accumulative amount of each card shall not exceed RMB 1,; The daily limit of each card for cardholders to handle cash withdrawal business through the counter and cash transfer business through various channels.

agreed by the card issuer and the cardholder through an agreement; The card issuer can decide whether to provide cash recharge service and agree with the cardholder on the daily limit of each card.

the card issuer shall not transfer the funds within the cash advance limit of the cardholder's credit card to other credit cards or to the bank settlement account or payment account of non-cardholders.

v. transaction information

the bank card clearing institution shall, together with the card issuer and the acquiring institution, further improve the business rules and technical standards of credit card transactions in strict accordance with the relevant regulatory provisions on bank card business.

all card issuers and acquirers should truly reflect and accurately identify business types such as cash withdrawal, cash transfer and cash recharge, and completely transmit transaction information.

ensure the authenticity, integrity, traceability and consistency of transaction information in the payment process, facilitate the card issuer to identify and judge risks, and ensure the security of credit card transactions.

VI. Obligation of information disclosure

(1) Card issuers shall fully disclose credit card application conditions, product functions, charging items and standards, knowledge of safe card use, standard agreements and articles of association of credit cards through their websites and other channels, and update them in time.

(2) The card issuer shall indicate the credit card interest rate standard, the method of interest calculation and settlement, the interest-free repayment period and the conditions and standards of the minimum repayment amount in a significant way in the credit card agreement.

as well as the details and charging standards of the liquidated damages from the cardholder and other matters of great interest to the cardholder, ensure that the cardholder fully knows and confirms the acceptance. Among them, for the credit card interest rate standard, the daily interest rate and annual interest rate should be indicated.

(3) If the card issuer adjusts the credit card interest rate standard, it shall notify the cardholder in the agreed way at least 45 natural days in advance. The cardholder has the right to cancel the account before the new interest rate standard comes into effect, and repay the relevant funds according to the signed agreement.

VII. Handling of non-authorized transactions

When the cardholder proposes non-authorized transactions such as fake card transactions and account theft, the card issuer shall promptly guide the cardholder to keep evidence, handle error disputes in accordance with relevant rules, and regularly feed back the processing progress to the cardholder. Encourage card issuers to use commercial

Baidu Encyclopedia-Credit Card.