What are the conditions for applying for a credit card

1. Credit card application conditions:

1. Whether it meets the bank’s requirements for issuing a credit card

2. Aged between 18 and 65 years old

3. Have a stable career and income

4. Have good credit and the ability to pay interest on time

5. Natural persons with full capacity for civil conduct (robots, vegetative persons, minors, and mental patients to a certain extent are not allowed)

2. When applying for a credit card, you need to submit the following materials:

1. Identity proof materials: a copy of your personal ID card;

2. Work certificate and income certificate: including the original and copy of your work certificate, and your salary for the past three months Bank statements, etc.;

3. Other financial proof materials: if you have bank deposits in your own name, purchased funds, social security, etc.

Article 7 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks" The term "credit card" as mentioned in these Measures refers to a credit card that records relevant information of the cardholder's account, has bank credit limit and overdraft functions, and provides cardholders with relevant Various media for banking services.

What are the requirements for applying for a credit card?

What are the requirements for applying for a credit card:

1. The credit card applicant needs to be a Chinese citizen with full capacity for civil conduct or a national Relevant provisions of overseas natural persons;

2. The purpose of the loan is clear and legal and the borrower has the willingness and ability to repay;

3. The borrower has good credit status and no major bad credit Record.

Legal Basis

Article 33 of the "Credit Card Business Management Measures"

Any basic deposit opened in a financial institution within the territory of the People's Republic of China The organization with the account can apply for an organization card. Several unit cards can be applied for, and the cardholder's qualifications shall be designated and canceled in writing by the legal representative of the applying unit or his authorized agent.

Citizens with full capacity for civil conduct can apply for a personal card. The main cardholder of a personal card can apply for supplementary cards for his spouse and relatives over the age of 18. There must be no more than two supplementary cards. The main cardholder has the right to request the cancellation of his supplementary cards.

Article 34

To apply for a credit card, an organization or individual should fill in the application form in accordance with the regulations and submit it together with the relevant information to the card-issuing bank. For those who meet the conditions, the card-issuing bank will open a credit card account for the applicant and issue a credit card.

What are the conditions for applying for a credit card?

Cardholders who apply for the main credit card personal card must meet the following application conditions:

(1) A natural person who is over 18 years old and has full capacity for civil conduct.

(2) Have a good credit record and comply with the relevant regulations of our bank on credit card credit management.

(3) Have legal, sufficient and stable income or assets.

(4) Have a fixed residence, stable job, or stable business location within the territory.

(5) If credit is granted based on the application score, the application score must meet our bank’s minimum requirements.

Individuals who are over 14 years old can apply for a supplementary credit card from Agricultural Bank of China with the consent of the main cardholder.

For details, please contact our credit card center: 4006695599.

Application materials are divided into necessary materials and optional materials

(1) Necessary materials. Necessary materials include a completed and standardized application form and valid identity documents. Those who guarantee the card issuance must also provide guarantee-type certification materials.

Application form: refers to the credit card application form approved by the head office such as articles of association, contract, charging standards, application content, layout and other items

Identification materials: ID card, temporary ID card, military officer (Police officer) certificate, passport, Hong Kong and Macao pass

Income certificate: income certificate for the past three months issued by the unit, salary income for the past three months issued by the bank, business license or tax payment certificate (individual and Private enterprise)

Proof of temporary residence with a foreign registered permanent residence: The applicant has a foreign registered permanent residence. In addition to providing the above information, he or she is also required to provide a certificate of residence issued by the police station of the place of temporary residence indicating that the applicant has continued to live there for more than two years.

(2) Selective materials. Selective materials are used to assist in proving the customer's identity information and credit status, including: a copy of the property ownership certificate, telephone/water and electricity bill receipts for the home address in the past three months, rent certificate for three months, self-owned motor vehicle driving license, mortgage or A copy of the car loan contract and a time deposit certificate of more than RMB 10,000 with the Agricultural Bank of China.

What are the requirements for credit card application?

What are the requirements for credit card application:

Different banks and different types of credit cards have different requirements for applicants, but No matter what kind of credit card you apply for, the applicant needs to meet the following conditions:

1. The applicant must be 18 years old and have full capacity for civil conduct. In addition, banks have a maximum age limit for credit card applicants. Some banks stipulate that the maximum age of applicants is no more than 60 years old, and some banks stipulate that the maximum age of applicants is no more than 65 years old;

2. The applicant has a stable job and sustainable financial resources;

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3. The applicant’s personal credit report has no bad records such as overdue credit.

The above conditions are the basic conditions for applying for a credit card. Usually, if you meet these basic conditions, you will have the opportunity to apply for a regular credit card. However, if you want to apply for a higher-level credit card, the applicant still needs to meet bank regulations. Other conditions, such as the amount of bank deposits required, etc. The specific conditions are subject to bank regulations.

For those who need a credit card, when we apply for a credit card, we also need to prepare the relevant information for applying for the credit card in advance.

Proof of credit card is an indispensable document. Secondly, the credit card application form must be filled in. When filling in the credit card application form, applicants should pay attention to writing a higher income as much as possible, in addition to their own salary. In addition to income, other incomes such as year-end bonuses and investment income are also included, because the higher the income level, usually the credit card limit applied for will be higher. Of course, we cannot exaggerate too much. We still need to fill it out truthfully, let alone provide false information. Once the bank discovers that we have provided false information, it can easily lead to the rejection of your credit card application.

In addition, when applying for a credit card, you need to provide proof of work, proof of financial resources and other information. Applicants can provide bank salary records, bank deposits, real estate, vehicles and other financial level information. Generally, the stronger the financial level, then The more conducive it is to apply for a high-limit credit card.

What are the requirements for applying for a credit card?

1. Age requirements Applicants must be between 18 and 60 years old. If applying for an additional card, the age can be as low as 16 years old. Of course, the age range with the highest actual card approval rate is between 25 and 50 years old.

2. The job requires a stable work unit, such as state-owned enterprises, civil servants, public institutions, listed companies, foreign-funded enterprises, and large private enterprises. Such units are best.

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.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the specified credit limit. The so-called credit card generally refers to a credit card only.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).

On May 25, 2021, the Supreme People’s Court issued and implemented the “Regulations of the Supreme People’s Court on Several Issues Concerning the Trial of Bank Card Civil Cases.”

Credit cards are issued by commercial banks to individuals and organizations. They can use them to shop and consume with specially appointed organizations and deposit and withdraw cash from banks. They are special carrier cards with consumer credit. They are in the form of a card with the card issuing number printed on the front. Cards with bank name, validity period, number, cardholder name, etc., and a magnetic stripe and signature strip on the back.

A real credit card has the following characteristics: it is not encouraged to deposit cash in advance, consume first and repay later, enjoys an interest-free payment period, can repay in installments independently (with a minimum repayment amount), join VISA, MASTER Wait for international credit card organizations to make it universally applicable.

What are the requirements for applying for a credit card?

What is a credit card?

Credit cards, also called credit cards, are issued by various banks for those who need to meet credit conditions. The credit certificate used by customers for overdraft consumption has a certain interest-free repayment period, and the cardholder only needs to repay it in full and on time. It can also be said that a credit card is a financial instrument for non-cash transaction payments.

Conditions for applying for a credit card

Generally speaking, the conditions for opening a credit card are:

1. Be over 18 years old and have full capacity for civil conduct;

2. Have legal and stable income and job;

3. No bad personal credit record.

As long as users meet the above application conditions, they can apply for a credit card from the bank. After the bank approves the application, the credit card will be sent to the applicant by registered mail. After successful activation, you can use your credit card to make purchases.

This is the end of the introduction about the conditions for a credit card and the requirements for a credit card. Have you found the information you need?