1. There are two main requirements for credit card application:
1. Age requirement: 18-60 years old;
2. Have a stable job and source of income .
2. Materials and documents required for application:
1. Domestic residents only need to provide: a completed and signed application form, identity document, and residence certificate document , Income certification documents;
2. Foreigners and people from Hong Kong, Macao and Taiwan also need to provide: Foreigner’s residence permit (the reason for residence must be employment) or employment permit for foreigners/Hong Kong, Macao and Taiwan;
3. If you are a private owner, in addition to the above information, you also need to provide: a copy of the industrial and commercial business license showing the applicant’s name, company name and date of business commencement.
3. If you want to apply for a credit card with a relatively large limit, you need to provide proof of good financial strength, such as: a copy of the real estate certificate, a copy of the car driving license; a bank loan account (with good credit, no more than 60 days) or a copy of the deposit receipt, etc.
4. Cash withdrawal by credit card:
1. Cash withdrawal by credit card overdraft:
A handling fee: It depends on the regulations of each bank. For example, the amount of cash withdrawal with CCB credit card in China is 0.5% is charged, with a minimum of RMB 2/transaction and a maximum of RMB 100/transaction; China Merchants Bank credit card is charged at 1% of the cash withdrawal amount in China, with a minimum of RMB 10/transaction;
B interest: 10,000 per day Five calculations.
2. Cash withdrawal for credit card overpayment: Some banks need to charge a handling fee, and some do not. For example, the handling fee of China Merchants Bank is 0.5% of the amount withdrawn, and the minimum charge is RMB 5 yuan or US$1.
5. Use your credit card to make purchases at POS machines:
1. Pay the full amount on time, interest-free;
2. Pay the minimum payment on time, according to A daily interest of 0.05% will be charged;
3. For overdue repayment, in addition to the above-mentioned interest, there will also be late fees.