Application materials (identity certificate, work certificate, financial certificate) to be prepared for handling a credit card:

1, identification: generally an ID card (if you use a new ID card, you need a copy of the front and back); Require soldiers to provide copies of military identity cards; Foreigners: passport and residence permit or employment permit; Taiwan Province people: Taiwanese certificate, employment certificate; Hong Kong and Macao people: Home Visit Permit and Employment Permit/Residence Permit); Temporary id card needs a copy of the second-generation temporary id card and household registration book valid for more than 3 months.

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 affix the official seal or personnel seal of the company), or a copy of the work permit/card verified and marked by the sponsor;

3. Proof of financial resources: If you want to apply for a large credit card or a gold or platinum card, it is recommended to provide more financial information. It can be a payroll record issued by a bank, an income tax withholding certificate, or a market value certificate of a house, a car, a deposit and an investment (such as a copy of a real estate license/car driving license/bank deposit certificate) and other materials that can prove the financial level of the cardholder.

Other documents for reference include: personal account list of social insurance in the last six months, credit cards of other banks (which need to be used for more than half a year and have a good repayment record), etc. If the cardholder can provide relatively complete financial vouchers, it will be more helpful for the bank to understand the cardholder's personal situation and judge the credit limit, and to approve high-value credit cards or platinum cards.

Other conditions to be met in handling credit cards are as follows:

1. In most cases, citizens with full capacity for civil conduct (Chinese mainland1citizens aged 8-60) can apply for a credit card from the issuing bank with a certain direct source of income.

2. Apply for a bank credit card: As long as the applicant works in the company (that is, has a direct source of income) and is over the age of 18-60, he can issue a certificate of work income to the bank (at present, credit cards in some banks do not need to issue a work certificate, so as long as the cardholder has shifts in one place, he can contact the card clerk to apply for a credit card at home. You can also apply for a credit card in official website Bank, and you can do it if you can repay it on time.

3. Domestic residents need to provide: a completed and signed application form, identity certificate and income certificate; Foreigners and Hong Kong, Macao and Taiwan people also need to provide: a foreigner's residence permit (the reason for residence must be employment) or a foreigner/Hong Kong, Macao and Taiwan people's employment permit; If it is a private owner, in addition to the above information, it is also necessary to provide a copy of the business license showing the name of the applicant, the name of the enterprise and the date of starting business (this premise must be the legal representative of the business license).

There is no charge for handling credit cards. Whether it can be approved is subject to the final audit result of the bank.