You cannot apply for a credit card if your ID card has expired.

After the ID card expires, you will not be able to make purchases in banks, hotels, train tickets, air tickets, etc.

The materials provided for applying for a credit card must be within the validity period.

Please refer to relevant knowledge when applying for a credit card.

1. In most cases, credit card applications are made by citizens with full capacity for civil conduct (citizens aged 18-60 in mainland China) and with certain direct financial resources. They can apply to the card-issuing bank. Apply for a credit card.

2. Apply for a bank credit card: As long as the applicant works in a company (that is, has direct financial resources), is over 18-60 years old, and can issue a work certificate and income certificate to the bank (currently, Guangfa There is no need to issue proof of employment for a credit card. As long as the card applicant works in a certain place, you can contact the card application clerk to come to apply for a Guangfa Bank credit card) and you can apply for it if you can repay the money on time.

3. Domestic residents need to provide: a completed and signed application form, identity document, income certification document; foreigners and people from Hong Kong, Macao and Taiwan also need to provide: Foreigner Residence Permit (Residence Permit) The reason must be employment) or employment certificate for foreigners/Hong Kong, Macao and Taiwan residents; if you are a private owner, in addition to the above information, you must also provide: a copy of the industrial and commercial business license showing the applicant’s name, company name and date of commencement of operations (this premise requires you Is the legal representative of the business license).

4. If you want to apply for a credit card with a relatively large limit (such as a platinum card), you need to provide proof of good financial strength, such as: a copy of the real estate certificate, a copy of the car license (not the driver's license); Copies of large deposit receipts, etc.

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

6. There is no charge for credit card processing. Approval is subject to the bank's final review result.

7. Youth Card (Bank of Communications, China Merchants Bank, etc.): If you graduated in 2003, have a college degree or above recognized by the National Education Commission, have a fixed job, and are between 18-30 years old, you can apply Apply with your ID card alone (contact the card salesperson).

8. Currently, many banks can apply for campus version credit cards (there is no limit and you need to deposit before spending). If college students can find a part-time job while on campus and can issue a work certificate and income certificate to the bank, they can also try to apply for a credit card with a credit limit (i.e., non-campus version).

The youth version of China Merchants Bank’s young card is divided into campus version and non-campus version.

Application for campus version: College students who are over 18 years old and under 30 years old (inclusive) can apply. The credit limit will be temporarily sealed (no limit) until the card holder graduates. By depositing first and then spending, cardholders can enjoy the normal benefits of CMB credit cards such as dining discounts, movie ticket discounts, and points accumulation, as well as additional exclusive benefits of campus version credit cards such as specific fee reductions*. You can also start accumulating personal credit records during your studies, and you can have the opportunity to enjoy a higher credit limit by switching to a card after graduation.

For the non-campus version, please refer to the application method for ordinary credit cards (while you are in school, you can also apply for the non-campus version if you can find a job and can issue a work certificate and income certificate to the bank).

Application materials that should be prepared when applying for a credit card (proof of identity, proof of work, proof of financial resources):

1. Proof of identity: usually an ID card (if you are using a new version of the ID card, Photocopies of both sides are required); military personnel need to provide a photocopy of their military ID; foreigners: passport and residence permit or employment permit; Taiwanese: Taiwan Compatriot Permit and Employment Permit; Hong Kong and Macao citizens: Home Return Permit and Employment Permit/Residence Permit) ; The temporary ID card requires a second-generation temporary ID card valid for more than 3 months and a copy of the household registration book.

2. Work certificate: It can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and stamp the company seal or personnel seal), or it can be promoted A copy of the work permit/plate that has been verified by the original and marked by the staff;

3. Proof of financial resources: If you want to apply for a credit card with a relatively large limit or a gold card, platinum card and above, it is recommended to provide more financial resources information. It can be salary records issued by the bank, or income tax withholding vouchers, or documents proving the market value of houses, cars, deposits and investments (such as real estate certificates/car driving licenses/copies of bank large-amount time deposit certificates), etc., which can prove the financial strength of the cardholder. level information. Other documents available for reference include: social insurance personal account list for the past 6 months, water and gas bills, credit cards from other banks (need to be opened for more than six months and have a good repayment record), etc. The main items available for reference are the card holder’s large deposit slip, real estate certificate, and a copy of the driving license of a high-end private car, etc. If the card holder can provide relatively complete financial proof documents, it will be more helpful for the bank to understand the card holder's personal situation and judge the credit limit, and approve a high-limit credit card or platinum card.

The main channels for applying for credit cards are:

1. Application at the bank counter (you need to prepare ID card, work certificate, and income certificate);

2. Credit card official website Apply;

3. Apply to the bank's credit card salesperson (currently, Guangfa Credit Card does not require a work certificate, as long as the card applicant has classes in one place, contact the card application salesperson to apply for Guangfa Bank Credit card);

4. You can apply on WeChat (the same applies to other banks):

Industrial Bank: Search the official account on WeChat and follow "Industrial Bank Credit Card Center" and click "WeChat Application Card" ”—“Apply now.”

Guangfa Bank: Search the official account on WeChat and follow "Guangfa Credit Card", click "My Services" - "I want to apply for a card".

China Merchants Bank: Search the official account on WeChat and follow "China Merchants Bank Credit Card", click "I want" - "Apply for a card·Recommend".

After the ID card expires, the credit card you used before can still be used, but it is recommended to apply for a new ID card as soon as possible, because if the credit card is lost or you need to change the password at the counter, you need to present a valid ID.

If your first-generation ID card expires and you need to apply for a second-generation ID card, you can just take your first-generation ID card to the police station to have your photo taken and you can apply for a second-generation ID card. If the second-generation ID card has expired and is being replaced, take the second-generation ID card to the police station. After they take it back, they can take a new photo for you and apply for a new one.

Dress requirements: Wear dark clothes, preferably black, women’s hair should not have bangs, men’s hair should not be too long (beyond the ears), and no necklaces, earrings, glasses, etc.