1. The applicant is over 18 years old and has full capacity for civil conduct;

2. The applicant must have a stable income and be able to repay the arrears on time;

3. The applicant's personal credit information is good;

4. Other conditions stipulated by the bank.

when applying for a credit card, users can usually consider the general card issued by the bank when applying for it for the first time, so that the bank will pass the examination quickly and get the credit card quickly, but the amount will not be too high.

when applying for a credit card, users can go through official website, bank counters, mobile banking and other channels. When applying through online channels, users can know in detail the rights and interests contained in the credit card, the conditions for using these rights and interests, and know whether they want it most. After all, credit cards with more rights and interests can save users more money when using them.

the difference between the gold card and the platinum card of the credit card:

the difference between the application conditions of the universal card, the gold card and the platinum card:

1. The universal card is the lowest-ranking credit card issued by the card issuer. Usually, banks classify the silver card and the ordinary card into one category, which is called the universal card for short. Applicants who have reached the age of 18, have a stable job and income, and have good personal credit can apply for Puka.

2. Banks will grant gold cards to high-quality customers. In addition to meeting the basic requirements for applying for a credit card, people with an annual income of more than 4, yuan are more likely to be granted a gold card.

3. Platinum card is a credit card issued by card issuers to distinguish it from gold card customers, and it provides higher-end services and benefits than gold card. Usually, banks will take the initiative to invite qualified customers to apply for platinum cards, and platinum card customers can enjoy platinum customer service hotline service and distinguished value-added services. In general, the application criteria for platinum credit cards in banks are mostly annual salary of more than 1, yuan or financial proof of more than 5, yuan.

Difference between credit card limits of general card, gold card and platinum card:

Credit card limits refer to the maximum amount of credit card overdraft approved by the bank according to the cardholder's asset status and credit status. The higher the amount, the more money you can overdraw. Of course, the repayment pressure is also greater.

1. Generally, the credit card limit is 3, yuan to 1, yuan.

2. The amount of a gold card is generally 1, yuan to 5, yuan.

3. The platinum card is 1, or even 5,.