If you have a loan and meet the requirements for applying for a credit card, you can also try to apply. The most important condition for applying for China Merchants Bank credit card is 18-60 years old (25-60 years old for foreigners), with certain economic ability and good credit record. Please refer to the actual audit of our credit card application results. The necessary application documents are copies of identity certificate and work certificate. If you can provide other financial documents, it will be more helpful for us to understand your personal situation and judge the credit limit. If you are interested in CMB credit card and have never held our credit card, you can apply in the following four ways: 1. Please log on to the credit card website and select "Apply for Credit Card"-"Apply for New Customer"; 2. Please bring your original identity certificate, work certificate and financial documents to the business outlets of China Merchants Bank in person; 3. You can also call the customer service hotline, select "3#" in the voice for credit card application consultation, and then select "1" to transfer the service specialist to register for you, and inform our local staff to contact you to confirm the application. 4. If you have applied for the professional version of our online banking, you can apply through the professional version. Remind you that credit card verification is subject to the final audit result.

Can loan users still apply for credit cards?

With the rapid popularization of credit cards, the threshold for applying for credit cards is getting lower and lower. As long as the basic conditions are met, there is basically no problem. However, if you have maliciously overdrawn or are seriously overdue, it is estimated that you have become a bank loan user. In this case, it is very difficult to apply for a credit card.

What is a credit card loan user?

The so-called credit card loan user refers to the credit card consumer who fails to repay the loan in accordance with the regulations for more than two consecutive times before the repayment date. Credit card customers who cause bank collection.

Can loan users still apply for credit cards?

Such customers will be recorded in the personal credit information system of the People's Bank of China, called bad credit records, and kept for 5 years.

People who have two or more bad credit records in the personal credit information system will not be able to borrow, guarantee or apply for credit cards in various financial institutions, including housing mortgage loans, within five years.

No matter what causes your overdue, you don't need to explain too much. Unless it is the fault of the bank or uncontrollable factors, then you need to register with the bank and wait for the bank's processing results. No matter what causes your overdue, you don't need to explain too much. Unless it is the fault of the bank or uncontrollable factors, then you need to register with the bank and wait for the bank's processing results.

If you still have a credit card or loan in your name, just make sure you have a good record of consumption and repayment in the future and don't overdue it again. If you only have one credit card in your hand, don't cancel it immediately because it is overdue, which will lead to no good results. Repayment should be made immediately and credit cards should be used whenever possible. Bad records can be refreshed within two years and credit stains can be completely eliminated within five years.

If you are a bank loan user, it must be very difficult to get a card. Basically, you are "rejected by ten". Even if you are lucky enough to apply for a credit card, the amount is pitiful. You can find friends and relatives with credit cards to apply for supplementary cards. The key point is that as long as the host agrees, the bank loan user can still get the supplementary card.

Can I get a credit card?

When a bank applies for a credit card, it will check the credit information at the time of approval to understand the applicant's credit status and liabilities. If it is found that there is a loan record in the applicant's letter, it will affect the number of credit cards. As for whether it can be done, it should be judged by combining quantity and liabilities.

If there are more than four loan records in the newspaper and the overall debt ratio exceeds 50%, if there are overdue records, the credit card application is likely to be rejected, mainly subject to the bank's approval results.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, a legal person can also be an applicant.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed.

Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The 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 applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.

Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.

Can I get a credit card? Let's stop here.