Online application process for credit card application:

First of all, there are online and offline credit application. Offline outlet application: first, prepare the application materials needed for the application, then go to the bank outlet to obtain the application form, fill it out and submit it together with the application materials, and then wait for the audit results.

online application:

1. apply for an appointment online

2. after the appointment, a staff member will contact you at home to collect information

3. it takes about 7 to 1 working days for the banking system to review personal information and call back

4. if it is approved, the credit card will be sent in about 1 working days.

Among them, for most people, the conditions for applying for a credit card are almost the same. To apply for a credit card, the basic conditions for applying for a credit card must be met, that is, the applicant must be a China person who is 18 to 6 years old, has full capacity for civil conduct, has a legal and stable income source and has a good credit standing, or a foreigner who has permanent residence in China and compatriots from Hong Kong, Macao and Taiwan.

in addition, if you can provide other financial proof documents (such as bank payroll records, income tax withholding vouchers, or proof documents of the market value of houses, cars, deposits and investments, such as a copy of real estate license/car driving license/bank time deposit certificate, and other materials that can prove your financial level. Other documents for reference include: personal account list of social insurance in recent 6 months, water and gas bills, credit card bills of other banks, etc.), which will be more helpful to understand your personal situation and judge the credit limit.

if the application is made by a minor, the guardian's consent must be obtained. To apply for a credit card, you must have a stable job and have the ability to repay on time every month; At the same time, the applicant must have a good credit, and the bank with bad credit will refuse to release the card.

relatively speaking, it is easier and more convenient to handle the card online than offline, but in the end, it is important to have good credit information to avoid the Bank of China refusing to release the card because of poor credit information during the card handling process.

here are the credit card channels for Ping An Bank, China Merchants Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Minsheng Bank, China Everbright Bank and China CITIC Bank. You can apply for them yourself if necessary!

Credit card applications from China Merchants Bank and Ping An Bank

Credit card applications from China Everbright Bank and China CITIC Bank

Credit card applications from Agricultural Bank and Minsheng Bank.