Application conditions: 1, at least 18 years old; 2. Have a stable repayment ability.
Submit proof: 1, ID card; 2. Work certificate or income certificate; 3. Work phone, home phone and my mobile phone; 4. Tax payment certificate or real estate vehicle under his own name; 5. Other bank credit cards, etc. The above information is not necessary. It is important to see the bank's requirements and proof of work or income.
In order to control risks, banks attach great importance to the repayment ability of cardholders. The information you submitted makes the bank feel that you have enough repayment ability. The stronger the repayment ability, the easier it is for banks to issue cards. If you can fill out the application form, there is hope. Then submit the above information to the bank for review, whether to approve the card and the amount of the card, depending on the comprehensive score given by the bank. The credit card business of Postal Savings Bank has just started, with strict approval and high threshold. It is basically impossible for civil servants, institutions, monopoly enterprises, top 500 enterprises and listed companies.
Question 2: Can the Postal Savings Bank apply for a credit card? As long as you can provide proof of repayment ability, such as work permit, income certificate and assets certificate (such as large deposits, insurance policies, wealth management and stocks), you can consult the local postal savings bank.
Question 3: Is the postal credit card easy to handle? Credit cards require cardholders to have stable repayment ability.
Second, fill out the application form.
Three, the Postal Savings Bank credit card to provide the required proof:
1, ID card; 2. Work certificate or income certificate; 3. Work phone, home phone and my mobile phone; 4. Tax payment certificate; 5. Proof of assets such as real estate and vehicles under the name of the individual; If you already have other bank credit cards, you can also provide the following copies. Proof of work or income is very important. In order to control risks, banks attach great importance to the repayment ability of cardholders. The information you submitted makes the bank feel that you have enough repayment ability. The stronger the repayment ability, the easier it is for banks to issue cards.
Question 4: Hello, is it easy to apply for a postal credit card now? As long as the information is complete
Application conditions:
At least 18 to 60 years old, with full capacity for civil conduct;
Have a good credit record;
Have working income and repayment ability.
Application materials:
Identity information: copy of resident ID card or military officer's card;
Proof of work and income;
Other financial certificates: such as a copy of real estate license, a copy of automobile driving license, a copy of deposit certificate, etc.
Credit card application method:
Counter application:
Bring a credit certificate to the counter to apply:
Applicants need to submit relatively complete asset certification documents, and submit the materials to Industrial Bank, which will be audited by the bank's background audit department;
After approval, fill in relevant materials and identity information;
Issue credit cards.
Online banking application:
The applicant uses personal savings card account to open online banking and enter official website of Industrial Bank;
Enter the card number, login password and verification code to enter the online banking page;
Click "Credit Card Service", you can choose to apply for a credit card under the credit card service page, fill in the information and submit it, and the review progress and results will be displayed on the online banking;
After approval, credit cards will be issued.
Counter processing flow:
Go to the bank outlets that handle credit cards, or find the staff of the credit card center of the local Construction Bank and fill out the credit card application form. The contents of the application form generally include the applicant's name, basic information, economic status or income source, guarantor and its basic information;
Submit copies of certain certificates and vouchers to the issuing bank;
After the contents of the application form are truthfully filled in, relevant credit certificates shall be submitted at the same time as the application form is filled in;
A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, submit a statement on the authenticity of the information, and the privacy protection policy of the issuing bank. , and must have his signature;
The credit card processing process is basically completed, waiting for the issuance of credit cards.
Question 5: If you apply for a credit card at the Postal Savings Bank, you can meet the requirements.
Conditions for applying for a credit card:
At least 18 years old, with full capacity for civil conduct;
Have a good credit record;
Applicants may apply for no more than two supplementary cards for their spouses or relatives with full capacity for civil conduct.
Credit card application materials:
Identity information: copy of resident ID card or military officer's card;
Proof of work and income;
Other financial certificates: such as a copy of real estate license, a copy of automobile driving license, a copy of deposit certificate, etc.
Credit card application method:
Bring a credit certificate to the counter to apply: the applicant needs to submit a relatively complete asset certificate and submit it to the bank's background audit department for review.
Online banking application: the applicant opens online banking with personal savings card account, enters the required bank official website, and enters the online banking page after entering the card number, login password and verification code. Click "Credit Card Service", you can choose to apply for a credit card under the credit card service page, fill in the information and submit it, and the review progress and results will be displayed on the online banking.
Question 6: Is it easy to apply for a postal credit card? how much is it? As long as the credit card application conditions are met, the specific amount depends on personal qualifications.
Credit card application conditions:
1, age18;
2. Hold a valid ID card;
3. No bad credit record;
4. Have a fixed work certificate;
5 proof of income stamped with the financial seal of the unit;
6. Other financial certificates, such as bank deposits, real estate, automobiles, stocks and bonds. ;
7. Social endowment insurance certificate;
8. Provide two contacts.
The first three conditions must be met. Try to provide 4-8 pieces of supporting materials, which can specifically include the following information, be as selective as possible, ensure the smooth passage of the audit and increase the amount of information.
Materials and certificates to be provided when handling:
1. Domestic residents only need to provide: a completed and signed application form, identity certificate, residence certificate and income certificate;
2. Foreigners and Hong Kong, Macao and Taiwan people also need to provide: a foreigner's residence permit (the reason for residence must be employment) or a foreigner/Hong Kong, Macao and Taiwan people's employment permit;
3. If it is a private owner, in addition to the above information, it is also required to provide: a copy of the industrial and commercial business license showing the name of the applicant, the name of the enterprise and the opening date.
If you want to apply for a large credit card, you need to provide good proof of economic strength, such as a copy of the real estate license and a copy of the car driving license; Bank loan account (good credit, overdue for no more than 60 days) or copy of deposit certificate, etc.
Question 7: Can I apply for a credit card for postal savings? Generally, you only need to go to the counter to apply for a postal savings credit card, because there are fewer postal savings salesmen!
Question 8: Is it easy to apply for a postal credit card? The pass rate of online application is extremely low. It is recommended to provide all kinds of financial certificates to apply at bank outlets!
Question 9: Can the Postal Savings Bank handle credit cards? Yes,
Credit card processing conditions:
The minimum application age stipulated by the bank is 18 years old, and the maximum application age is 60 years old;
Need my second-generation ID card;
A work certificate and income certificate stamped with the financial seal of the unit;
No bad credit record;
Other financial certificates, such as real estate, cars, stocks, bonds, etc.
Credit card application process:
Fill in the application form;
Information of the bank itself and a copy of the information;
The bank sends it to the credit card center;
The credit card center conducts audit, business card printing and card issuance;
After getting the card, I opened the card and waited for the password letter.
Materials required to apply for a credit card:
The applicant's identity card;
Bank credit card application form; Work certificate and income certificate stamped with the financial seal of the unit;
Individual businesses need individual business licenses and tax bills for nearly three months;
Other financial proof: income tax withholding certificate; Copy of self-owned real estate license; Copy of self-owned car driving license.
Question 10: Can I apply for a credit card with a postal credit card?
1, if you have a local account, a stable job and social insurance, then you only need to provide a copy of the ID card holder, which can be applied to any network, because your information can be found by the credit card host. (If you need a large amount, you must make a real estate license or a certificate of deposit), page 2, if you are a local account, but you have no stable job, you can only apply, if you can prove it with a house certificate or a large time deposit, otherwise you can apply. If you have a local co-branded card and cable TV, it's easy. You can give your identity and your cable operator's ID card to any branch of CCB, and the success rate of running down will be high, but the number is not high. Page 3, if you want to apply for a credit card whose location is not your identity, you must apply for a pass or a room grade certificate with preferential deposit, but if you are an employee of a large local enterprise, you may be able to work stably in the local area and be paid social insurance by the company, and then pass. Southeast color of Wentian Pavilion