Those with rural household registration can apply for a credit card. Anyone who meets the conditions for applying for a credit card can apply for a credit card.

Conditions for applying for a credit card

1 Age requirements: Chinese residents must be between 18 and 60 years old, and foreigners must be between 25 and 60 years old.

2 Job requirements: Have a stable job, income and fixed residence.

3 Credit requirements: No bad credit record.

4 Credit card online application information: personal financial certificate, income status, valid ID, home address and other relevant certificates.

Credit card online application process

1 Log in to the online banking of the relevant bank.

2 Click "Credit Card Application" or "Credit Card Online Application" (depending on each bank's online banking instructions).

3 Select the bank credit card you want to apply for. You need to select the province and city where you want to apply for the card and the brand, features, media, grade, currency and other information of the product you are applying for. Query and retrieve the product you want to apply for and click bid.

4 Fill in personal information so that the application can be approved.

5 Submit the online credit card application and wait for the approval result.

6 The credit card online application supports primary card and secondary card business. The information filled in includes: primary card application information, secondary card application information, contact information and application information for synchronized customized services. The main card (secondary card) application information includes: personal information, professional information, etc.

7 For those who apply for a primary and secondary card at the same time or only apply for a secondary card, in principle, the main card applicant and the secondary card applicant must present their respective valid identity documents to the card collection outlet to go through the card collection procedures. If the card is collected at the same time, the main card applicant can only handle the card collection procedures for his/her own card; the supplementary card applicant cannot handle the card collection procedures independently without applying for the main card.

8 If the card is not collected for more than six months after the card was issued, it will be deemed that the customer has given up on applying for a credit card.

9 After the card is successfully processed, a card collection notification message will be sent to the applicant. Customers who apply online through a credit card must go to the nearest card collection outlet of their choice with a valid ID to complete signature confirmation, card collection, card activation and other related services in one go.