To apply for a credit card, you must be at least 18 years old and meet the following conditions: a natural person with full capacity for civil conduct; Have a legal and relatively stable job and income; Personal credit is good; Provide personal identification documents; You also need proof of income and assets. Proof of funds can include a copy of real estate license, a copy of motor vehicle driver's license, a bank passbook, etc. The residence certificate can be a copy of the household registration book.

Will the credit card be deducted if it is not used?

Not necessarily, mainly depends on the type of credit card:

1. Ordinary credit card: Generally speaking, it refers to ordinary cards and gold cards, most of which are non-annual fees. If it is not activated, there will be no annual fee, so don't worry about the deduction.

2. High-end cards: High-end cards, usually called platinum cards or higher, provide value-added services such as golf, VIP treatment at the airport, medical care and high premiums. These rights and interests are based on the annual fee, and most of them will be deducted from the annual fee from the date of handling the card and included in the current bill, so there will be fees if they are not used.

3. Special card types: mostly refer to credit cards with special processes. Although it may not be a high-end card, it needs to pay a fee, which is also deducted from the credit card limit and credited to the current bill; In addition, some non-high-end cards also charge annual fees.