Introduction: Nowadays, although many people apply for credit cards, they don’t know why they should apply for a credit card and the benefits of applying for a credit card. If people don’t understand this issue, they’re likely not going to spend money after applying for a credit card. They think applying for a credit card is useless. So what are the benefits of getting a credit card? What are the requirements?

Credit card application Credit card is also called a credit card. You do not need to pay cash when you consume, and you will pay it back after the repayment date. The name of the issuing bank, validity period, number, cardholder name, etc. are printed on the surface of the card.

What are the benefits of applying for a credit card?

1. It saves you the trouble of carrying cash. Credit card consumption avoids the trouble of paying cash for consumption in the past, and there is no need to worry about the danger of carrying too much cash. Users can consume before repaying, which is very helpful for users with insufficient capital turnover;

2. You can participate in various discounts. Many businesses cooperate with banks. Consumers can enjoy discounts and other preferential activities by carrying their credit card from the corresponding bank. Customers can save money and earn points, so why not? This is why many young people currently prefer to swipe their cards for consumption when going out;

3. Points can be deducted from consumption. When users use their credit cards to make purchases, they can earn points in many situations. Each bank has different points conversion standards. They should check with the appropriate bank. To a certain extent, users can redeem gifts, including things and virtual items, in the points mall on the credit card center website;

4. The credibility of personal banks has been improved. When we need to borrow money in our daily lives, financial institutions attach great importance to your credit. If your credit card credit has always been very good, it will be very helpful for borrowing.

What are the requirements for applying for a credit card?

1. Be 18 years or older

All banks have similar age requirements for applicants, 18 years old - with full civil Capacity is 60 years old.

2. Valid original ID card

When applying for a credit card, you need to accurately fill in your own information, including identity information, education information, income information, etc. When activating at the counter, you need to bring the original credit card and ID card.

3. Work certificate issued by the unit with stable work income

The bank requires the applicant to have a fixed work unit and a stable source of income to ensure that the applicant has full repayment ability. When applying for a card, some banks require applicants to produce work certificates issued by their units: including but not limited to work permits, work badges, OA systems, social security certificates, paper work certificates (stamped with unit seals), etc.

4. Good credit record

Personal credit record needs to meet the requirements of the credit card center. Credit cards require good credit history and credit history. If you have a bad credit history with one bank or lending institution, you may see it with other banks as well. Therefore, it will be difficult to apply for a credit card if your credit is flawed. At the same time, a bad credit record will also have an impact on personal life and work.

Warm reminder: When applying for a credit card, fill in your personal information accurately and truthfully to avoid failure of the card center’s review, which will affect the credit card processing.