When applying for a credit card, the single name you fill in is the full name of your organization, and fill it in truthfully. In fact, the name of the unit is not the key to approval. If you want fast approval, you can provide your own income certificate, which can be the original work certificate issued by the unit you work for (state the specific company name, department, position and income status, and stamp it. Company seal or personnel seal), or a copy of the original and marked work permit/plate that has been verified by the promoter.

In addition to the authenticity of the unit, these conditions must also be met: be a natural person with full civil capacity and repayment ability; be between the ages of 18 and 65; have a stable career and income credit It is in good condition and has the ability to repay principal and interest on time. If you only have an ID card or are not old enough, you can apply for supplementary cards for immediate family members (immediate family members are parents, children, and spouses).

1. The conditions for applying for a credit card are as follows:

1. Prepare application materials;

2. After the materials are ready, you can apply at the bank or make an appointment online;

3. Then wait for the bank’s approval. The bank will call the applicant to verify the information during the approval process;

4. After the approval is passed, the bank will mail the card to the applicant. Successfully About 3 weeks after submitting the information; The "Criminal Law of the People's Republic of China" stipulates that the crime of credit card fraud has one of the following circumstances. If the amount of credit card fraud is relatively large, the person shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the person shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and shall be fined not less than 20,000 yuan but not more than 200,000 yuan. A fine of not less than 50,000 yuan but not more than 500,000 yuan shall be imposed; if the amount is particularly large or there are other particularly serious circumstances, the person shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or have his property confiscated:

5. Using forged credit cards, or using counterfeit credit cards;

6. Using invalid credit cards;

7. Using other people’s credit cards;

8. Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or period for the purpose of illegal possession and still not returning the card after being called upon by the card-issuing bank. Anyone who steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.

2. Things to note when applying for a credit card

1. When applying for a credit card, you must provide proof of employment

Basically, the standard for credit is based on several consecutive months of salary. , each bank gives different credit lines.

The best occupations to apply for credit cards are "public servants", such as civil servants, public institutions, state-owned enterprises, and Fortune 500 companies; stable positions such as doctors, teachers, etc., for which you can basically provide proof of employment.

When private enterprise employees apply for a credit card, they generally require the bank’s salary statement, or supplemented by social security, provident fund, tax payment certificate, professional title certificate, technical qualification certificate and other materials.

2. When applying for a credit card, you must provide proof of financial resources, especially for high-value credit cards.

If you want a high-value credit card, you must make the bank believe that you have other assets besides salary. The most common proof of financial resources is large deposits, financial management, funds, etc. in the bank.

So the starting point for a high-limit platinum card is 500,000 in fixed assets, and then a car or real estate. However, there are also differences between banks. For example, China Merchants Bank does not generally recognize real estate, while Minsheng Bank strongly recognizes it. The same cannot be said about real estate.