The vehicle driving license can only be provided as additional material. The most important conditions are that you are between 18 and 60 years old and have a stable job and income. The necessary application documents are a copy of your identity certificate and a work certification document. Both are indispensable. Just go to the bank where you want to apply for a credit card.

If you cannot pay off your credit card debt, you can apply to the bank for installment or deferred repayment. If the reasons for applying to the bank are valid, it will generally be approved. Or ask your relatives and friends to borrow money and pay it back, and then return it to your friends when the funds are flowing.

If the principal amount of the debt is more than RMB 10,000 and is not returned for more than 3 months after being called upon twice by the card-issuing bank, it will be deemed a malicious overdraft under the Criminal Law and suspected of credit card fraud. .

Legal Basis

"Criminal Law"

Article 196: Under any of the following circumstances, if credit card fraud is carried out and the amount is relatively large, Whoever commits a crime 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; A fine of not less than 50,000 yuan but not more than 500,000 yuan;

If the amount is particularly huge or there are other particularly serious circumstances, the sentence shall be not less than ten years in prison or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan. Fines or confiscation of property:

(1) Using a forged credit card, or using a credit card fraudulently obtained with false identification;

(2) Using an expired credit card;< /p>

(3) Pretending to use other people’s credit cards;

(4) 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 within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.

Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.

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 prescribed 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).