1. Whether the applicant meets the conditions for issuing credit cards by banks;

2. The applicant is between the age of 18 and 65;

3. The applicant has a stable occupation and income;

4. The applicant has good credit and the ability to repay the principal and interest on time;

5. The applicant is a natural person with full civil capacity (robots, vegetarians, minors and patients with mental illness to a certain extent are not allowed).

When applying for a credit card, you need to submit the following materials:

1, identification materials: copy of personal identity card;

2. Work certificate and income certificate: including the original and photocopy of work permit, bank statement of salary for the last three months, etc.

3. Other financial proof materials: If you have bank deposits, purchased funds, social security, etc. in your name.

Extended data:

When using a credit card, you must use it in a planned way. Don't think that credit cards can be overdrawn casually, and they will be consumed wantonly in the process of use. You know, you have to repay your credit card on time after you spend it. Once the card is maxed out, it will be in trouble.

But the interest-free period of credit cards is usually 20-56 days. Generally, you can enjoy the longest interest-free period by swiping your card the day after the bill date. I hope you can make good use of this time.

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.

A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

References:

Baidu encyclopedia-credit card

References:

Baidu Encyclopedia -5 1 Credit Card

References:

5 1 Credit Card official website-15 Bank's first and second cards check credit information summary.