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Is it easy to apply for a credit card from China Merchants Bank in Xiamen? I just graduated and have only been working for 1 month! Can it be done?

Credit card applications need to meet the following conditions:

1. First, citizens who are over 18 years old and have civil capacity are required.

2. It is required to have a stable income and provide proof of income, firstly to prove the ability to repay, and secondly to use it as a reference for setting the credit card limit. If you have successfully applied for a credit card, you can use the card to apply for a card, and the process will be much easier.

3. The personal credit report must be good and have no bad records.

4. Whether you can successfully apply for a credit card is also related to your occupation. For example, security, self-employed, farmers, etc. are more difficult to successfully apply for. However, I learned that some banks have launched “Benefit Cards” for farmers.

5. Generally speaking, a stable job is a necessary condition for successfully applying for a credit card. Of course, this is not absolute. For example, many universities now have card processing services specifically for college students. This is to apply for a credit card unconditionally. College students only need to bring their personal documents and student ID cards to the bank to apply for it.

6. Foreign and overseas personnel and active-duty military officers who receive the card in their own name should provide a temporary household registration issued by the local public security department or a certificate issued by the relevant department. They must also provide a guarantee unit that meets the guarantee conditions or have a local household registration. , a guarantor working locally.

You have only been working for a month, so it is unlikely that you will be approved to apply for a credit card. It is recommended that you apply for a credit card after half a year