You must provide the original ID card for verification. As for whether you want a copy, it depends on the requirements of the issuing bank.

To apply for a credit card, you need to meet certain conditions. For details, please refer to the relevant knowledge of applying for a credit card:

1. In most cases, citizens with full capacity for civil conduct (Chinese mainland1citizens aged between 8 and 60) who have a certain direct source of income and can repay the loan on time can apply for a credit card from the issuing bank.

2. Apply for a bank credit card: As long as the applicant works in the company (that is, has a direct source of income) and is over the age of 18-60, he can issue a work certificate and income certificate to the bank (at present, credit cards in some banks do not need to issue a work certificate, and cardholders can contact the card clerk to apply for a credit card at home as long as they have shifts in one place; You can also apply for a credit card in official website Bank, and you can do it if you can repay it on time.

3. Domestic residents need to provide: a completed and signed application form, identity certificate and income certificate; Foreigners and Hong Kong, Macao and Taiwan people also need to provide: a foreigner's residence permit (the reason for residence must be employment) or a foreigner/Hong Kong, Macao and Taiwan people's employment permit; If it is a private owner, in addition to the above information, it is also necessary to provide a copy of the business license showing the name of the applicant, the name of the enterprise and the date of starting business (this premise must be the legal representative of the business license).

4. If you want to apply for a large credit card (such as a platinum card), you need to provide proof of good economic strength, such as a copy of the real estate license and a copy of the automobile driving license (non-driving license); Copy of large deposit certificate, etc. (Platinum card can't be applied directly online, and you need to submit information application at the outlet).

Relatively speaking, national joint-stock commercial banks are easier to handle than the five major state-owned banks.

6. There is no charge for handling credit cards. Whether it can be approved is subject to the final audit result of the bank.

7. The credit card approval amount is determined by the issuing bank according to its own situation (risk control ability, credit policy, etc.). ), the materials provided by the applicant, the credit report of the Credit Information Center of the People's Bank of China and other comprehensive factors.

8. Youth card (Bank of Communications, China Merchants Bank, etc.). ): I graduated in 2003. I have a college degree or above recognized by the State Education Commission. I have a regular job. I am between the ages of 18-30. I only need my ID card to apply (contact the card seller).

9. At present, many banks can apply for campus credit cards (there is no quota, so you need to deposit before spending). If college students can find a part-time job between schools, they can issue proof of work and income to the bank, or try to apply for a limited credit card (that is, the off-campus version).

Application materials (identity certificate, work certificate, financial certificate) to be prepared for handling a credit card:

1, identification: generally an ID card (if you use a new ID card, you need a copy of the front and back); Require soldiers to provide copies of military identity cards; Foreigners: passport and residence permit or employment permit; Taiwan Province people: Taiwanese certificate, employment certificate; Hong Kong and Macao people: Home Visit Permit and Employment Permit/Residence Permit); Temporary id card needs a copy of the second-generation temporary id card and household registration book valid for more than 3 months.

2. Work certificate: it can be the original work certificate issued by the employer (indicating the specific company name, department, position, annual income, and stamped with the company official seal or personnel seal), or a copy of the work permit/card verified and marked by the sponsor;

3. Proof of financial resources: If you want to apply for a large credit card or a gold or platinum card, it is recommended to provide more financial information. It can be a bank payroll record (which can provide an annual income of more than 80,000), an income tax withholding certificate (such as the tax payment certificate when winning the lottery), or information that can prove the financial level of the cardholder, such as high-end private cars, large deposits or investment market value.

Other documents for reference include: credit cards of other banks (which need to be used for more than half a year and have a good repayment record) and a list of social insurance personal accounts within half a year. If the cardholder can provide relatively complete financial vouchers, it will be more helpful for the bank to understand the cardholder's personal situation and judge the credit limit, and to approve high-value credit cards or platinum cards.

Credit card processing channels mainly include:

1. counter/promotion booth application (when opening a card, it can be opened by telephone, SMS, WeChat official account, etc. ): You can apply in person. You need to bring your original second-generation ID card and proof of income and fill out a paper application form on the spot.

2. Credit card application in official website (online cards are not available in some areas, please refer to the website for details; When opening a card, you must open it at the designated outlets. When opening a card, the bank will check whether the photo of the ID card is the applicant. ): In this case, you don't need any proof, but you may need to provide relevant proof when opening the card. As for whether it is necessary, it depends on the requirements of the card bank;

3. Apply to the bank credit card salesman: At present, some bank credit cards do not need to issue a work certificate, and the cardholder can contact the credit card salesman when there is a shift in a place;

4. Banks can apply at WeChat official account (when opening a card, they must go to a designated outlet, and the bank will check whether the ID photo is the applicant): WeChat searches the official WeChat official account of the bank that handles the card, finds the credit card application menu, or enters the keyword "Apply for a credit card" and follow the prompts.

5. Apply for the official bank credit card APP: download the official bank APP, find the credit card, and fill in the relevant information according to the prompts (when opening the card, you must bring the original ID card of the applicant to the designated outlet to open the card, and the bank will check whether the photo of the ID card is the applicant when opening the card).

6. Telephone application for bank credit card customer service: You can call the 24-hour credit card service hotline, enter the ID number (letters are replaced by * keys and end with #), and apply for a credit card according to the prompts.