What are the requirements for applying for a Bank of China credit card?

There are the following requirements for applying for a Bank of China credit card:

1. The applicant must be between 18 and 65 years old. , overseas persons must be between 25 and 65 years old;

2. Applicants must have full civil capacity and be able to bear legal responsibilities;

3. Applicants must have a fixed Work unit and residence;

4. Applicants must have a good credit record and no bad credit records such as overdue credit.

For more information about the requirements for Bank of China credit card application, go to: View more content

Requirements for Bank of China credit card application

Application requirements for Bank of China credit card: Application The person needs to be over 18 years old, a citizen with full civil capacity and a good credit record. Information required for application: 1. Proof of identity: Proof of identity is required when applying for ordinary debit cards and credit cards. Information that can be used as proof of identity when applying include resident ID card, military officer's ID card, mainland travel permit for Hong Kong and Macao residents, and travel permit for Taiwan compatriots. Mainland passes, foreign passports, etc.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder 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 appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

According to different card issuers, they can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card.

This type of card can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., and are used for purchasing tickets, meals, accommodation, entertainment, etc.

According to the different objects of issuance, it can be divided into corporate cards and personal cards

Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education and other institutions, national party and government agencies, military units, groups and other legal organizations.

Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.

According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

Gold Card.

The gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.

What are the conditions and procedures required to apply for a Bank of China credit card?

Any Chinese citizen who is between 18 and 65 years old, has full capacity for civil conduct, and has a legal and stable income Foreigners and compatriots from Hong Kong, Macao and Taiwan who meet the conditions of having the right of residence in China can apply for Bank of China credit cards locally.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, please feel free to consult Bank of China’s online customer service.

You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GOAPP to handle related businesses.

What are the requirements for applying for a Bank of China credit card?

Bank of China credit card application conditions:

1. The applicant must be between 18 and 65 years old;

2. Have a stable income and a specified address;

3. No bad credit record, and a good personal credit report;

4. Have a legal and valid identity certificate.

Put bei ads

Put your phone to borrow money quickly!

Bank of China’s credit card application conditions:

1. Be 18 years or older and have full capacity for civil conduct;

2. Have a stable source of income and job ;

3. The working time is more than half a year;

4. The bank pays wages on behalf of the employee, but cash payment is not acceptable.

For more information about the conditions required to apply for a Bank of China credit card, enter: View more content

Conditions for applying for a credit card at the Bank of China

Applying for a Bank of China credit The conditions are as follows:

1. Application conditions

Anyone who is over 18 years old, a Chinese citizen with full capacity for civil conduct, a legal and stable income, and a right of residence in China. Foreigners and compatriots from Hong Kong, Macao and Taiwan can apply for BOC credit cards locally.

2. Required application materials

1. Identity documents

(1) Accept main card applications from people aged 18-65 and those aged 16 or over Supplementary card application for those over 10 years of age.

(2) If you are a domestic resident: you need to provide a copy of your resident ID card or temporary resident ID card (both sides, within the validity period), or a copy of your military officer ID card

( 3) If you are a foreigner: you need to provide (1) a valid passport (2) a copy of the "Foreigner's Residence Permit" or a copy of the "Foreigner's Residence Permit" attached to the visa page of the valid passport or the "Foreigner's Permanent Residence Permit" Certificate" copy.

(4) If you are from Hong Kong, Macao and Taiwan: You need to provide a copy of the "Mainland Travel Permit for Hong Kong and Macao Residents" or the "Return Permit for Hong Kong and Macao Compatriots" or the "Mainland Travel Permit for Taiwan Residents".

2. Proof of fixed residential address (you can choose any of the following)

(1) Copy of household registration card (book) (2) Water, electricity, gas The last three payment bills (3) The last three landline payment bills (4) The collective dormitory certificate issued by the unit to prove the house rental contract (agreement) (5) Proof of self-owned property (6) Community property management fee payment receipt (7) Street Proof of address issued (8) The last two monthly credit card statements or the personal income tax payment certificate for the last three months (9) Other supporting materials that can prove that you have a fixed residential address

3. Proof of financial resources Documents (you can choose any of the following)

(1) Formal salary slips or income certificates for the past three months issued by government agencies and enterprises (need to be stamped with company seal or department seal)

(2) A copy of the passbook/bill issued by the bank (need to show salary entry information for the past three months)

(3) Personal income tax payment certificate for the past three months Copy

(4) Copy of social insurance withholding certificate

(5) Copy of self-owned property certificate.

1. Credit card definition

Credit card, also known as credit card, is a credit payment tool that allows banks to grant cardholders a certain credit limit and to consume first and repay later.

2. Prevent risks when applying for a credit card

1. Apply for a credit card through the bank’s formal channels and do not forward the application through an intermediary agency or others;

2. When applying for a credit card by providing a copy of your personal identity document and relevant certificates, it is recommended to indicate the purpose of the copy in a prominent position, for example: "Only used to apply for XX bank credit card, copies are invalid" to prevent the information from being used for other purposes.

3. The main fees for using credit cards.

1. Interest: The non-cash transaction in the current period is the interest-free repayment period from the accounting date to the due repayment date (inclusive). There is no need to pay interest if you repay the entire overdraft amount of the current period within the interest-free repayment period. Otherwise, interest will be charged at a daily interest rate of 0.5% of the entire overdraft amount from the accounting date.

2. Annual fee: When using a credit card, the cardholder pays an annual fee. If you don’t activate a credit card, there will be no annual fee.

3. Late payment fee: When the cardholder’s repayment amount is less than the minimum repayment amount before (and including) the due payment date, the cardholder shall pay the bank fee according to regulations.

4. Over-limit fee: The fee that the cardholder should pay to the bank when the credit limit is exceeded.

5. Installment fee: When the cardholder requests the bank to provide installment service, he or she must pay a certain percentage of the service fee to the bank.

6. Loss report handling fee: After the credit card is officially reported as lost, the cardholder should pay the card-issuing bank.

7. Note: The credit card charging levels of various banks are different. Cardholders can carefully understand the specific charging levels through bank websites, service hotlines, application forms, credit card regulations and other channels.

4. Credit card statement date and due repayment date

1. Statement date: The bank summarizes the cumulative outstanding amount of the cardholder every month and calculates the cardholder’s The date on which the amount is due to be repaid.

2. Repayment due date: the last date on which the cardholder should repay the entire amount in full or the minimum repayment amount.

5. Use credit cards safely

1. As soon as you get the credit card, sign the signature box on the back of the card.

2. Protect personal identity information, do not let others handle credit card business on your behalf, and do not lend identity documents or credit cards to others.

3. Keep the transaction password properly. Do not reveal your password to anyone (including bank staff and police), and be careful to cover it with your hands and body when entering your password.

4. Before signing the purchase form, carefully check the amount swiped by the card. Do not throw away written materials or credit card receipts containing personal information.

5. Keep credit cards properly. Do not lend your credit card to others for use; do not let the card out of sight when swiping the card for consumption; for the card handed back by the cashier, you should confirm whether it is indeed your own card. Keep credit cards and ID documents separately.

6. Prevent the card from being lost or stolen. If you have any questions about any credit card transaction, you should promptly contact the bank’s customer service center. If you have any questions about the transaction reminder text message, you should promptly report it to the bank's customer service center; if you find that your card is lost or stolen, you should contact the card issuer immediately and go through the loss report procedures.

7. Be wary of phone calls, text messages and the Internet. Remember not to disclose very important information such as your personal credit card, expiration date, password, and the last three digits of the signature line on the back of the card to others; do not log in to unknown payment platforms and beware of fake payment websites; do not reply to suspicious emails or provide personal account information.

8. Do not use credit cards for transactions such as cashing out. Once cashed out by swiping cards at POS machines or cashing out through online transactions, the bank will take measures such as reducing the limit or freezing the relevant credit card, which will affect personal credit records. In serious cases, it may also lead to legal consequences.

6. Credit card repayment channels

Bank credit cards can be repaid through the following channels: account binding automatic transfer, cash or transfer, online banking, telephone self-service terminal, telephone banking, Self-service equipment, etc.

7. Maintain good personal credit

Please remember the credit card statement date and repayment date, check the credit card statement regularly, make credit card repayments in a timely manner, and maintain a good credit record. Spend reasonably according to your own income level to prevent high repayment pressure from affecting your daily life.

Reference materials: Bank of China official website - Bank of China Credit Card Application Guide

What are the application conditions for Bank of China Credit Card?

1. Application conditions for Bank of China credit card

Anyone who is over 18 years old, a Chinese citizen with full capacity for civil conduct, a legal and stable income, and a right of residence in China, etc. Foreigners and compatriots from Hong Kong, Macao and Taiwan can apply for BOC credit cards locally.

2. Application materials required to apply for a Bank of China credit card

1. Identity documents:

We accept primary card applications from people aged 18-65 and their age. Supplementary card application for persons over 16 years of age.

If you are a domestic resident: you need to provide a copy of your resident ID card or temporary resident ID card (both sides, within the validity period), or a copy of your military officer ID card

If you are a foreigner Persons: need to provide (1) a valid passport (2) a copy of the "Foreigner's Residence Permit" or a copy of the "Foreigner's Residence Permit" attached to the visa page of the valid passport or a copy of the "Foreigner's Permanent Residence Permit".

If you are from Hong Kong, Macao and Taiwan: You need to provide a copy of the "Mainland Travel Permit for Hong Kong and Macao Residents" or the "Return Permit for Hong Kong and Macao Compatriots" or the "Mainland Travel Permit for Taiwan Residents".

2. Proof of fixed residential address (you can choose any of the following)

Copy of household registration card (book)

Water, electricity, Gas bill for three installments

Lineline bill for three installments

Group dormitory certificate issued by the unit

House rental contract (agreement)

Proof of self-owned property

Residential property management fee payment receipt

Proof of address issued by the street

Second-term credit card monthly statement or three-month personal Income tax payment certificate

Other supporting documents that can prove that you have a fixed residential address

3. Documents proving financial resources (you can choose any of the following)

Three months of official salary slips or income certificates issued by government agencies and enterprises (need to be stamped with the company seal or department seal)

Copy of the passbook/bill of the bank's salary (need to show three Monthly salary entry information)

Copy of three-month personal income tax payment certificate

Copy of social insurance withholding voucher

Copy of self-owned property

Copies of bank time and demand deposit slips/passbooks

Copies of purchase receipts for funds, treasury bonds, and corporate bonds (need to show the purchaser’s name, account number, and account balance)

Copies of membership cards, including: golf membership card, China Mobile, China, Air China Zhiyin platinum, gold and silver membership cards, China Southern Airlines Sky Pearl gold and silver membership cards, China Eastern Airlines Miles Club gold card , silver membership card (need to show name and card validity period), etc.

This ends the introduction of what are the requirements for a Bank of China credit card and what are the requirements for a CITIC Bank credit card. Did you find the information you need?