1. Age meets the requirements: the main card applicant must be over 18 years old, and the maximum age limit varies from bank to bank; The age of the supplementary card is different according to the regulations of different banks, and the applicable age is not the same, and the minimum age should not be less than 13 years old. Take China Merchants Bank as an example. The main card applicant should be 18 to 6 years old. The main card holder can apply for supplementary cards for parents, spouses or children. The supplementary card applicant should be over 14 years old.

2. Have a fixed work certificate: the applicant must have a stable job, legal income and certain repayment ability. For example: proof of income stamped with the financial seal of the unit; Social endowment insurance certificate; Other financial proof, such as real estate, cars, stocks, bonds, etc.; You don't need to show all the above financial proof, you can choose the one that suits you. The financial proof you provide has a certain influence on whether the application is successful or not and the amount of credit card issuance.

3. No bad credit record: bad credit record, also known as credit stain. After a bank customer applies for a loan, due to some reasons, the repayment is overdue, which is called a bad credit record.

Handling method:

1. Handling credit cards is not as difficult as stipulated by banks. Many bank credit card staff will try their best to help people who want to handle credit cards for their own business.

2. First, call the bank credit card service hotline you are going to handle to register your intention, leave your phone number and address, and then a staff member will contact you. Or log on to the official credit card center and fill in the network information. When the staff sees it, they will contact you as well!

3. when the credit card staff contacts you, they will usually make an appointment for you to fill in the information. At the same time, the other party will ask you about your job position and education. If these are good, the process will be smoother, because people with fixed jobs and a certain income are more able to repay.

4. It's not impossible for people without jobs, as long as they are willing to help you. You can find a storefront phone number and let the shopkeeper confirm that you work there when the phone is audited, and the official seal is easier to make. The education is the same, which means you can get a credit card as long as you have an ID card!

5. Fill in the information, take a photo and submit it, and then enter the review process. Generally, you will call your place of work to confirm whether you have worked in the place in the information, which will basically be 8/9% successful.

6. If the approval is passed, the bank will have a message that the approval is passed, including the quota and a certain number. Just wait for the receipt.

7. There is no way to apply for a credit card for some sensitive occupations, such as cooks and kitchen workers.

8. the activation process is after the credit card is obtained, which can be activated by using the home phone or mobile phone left on the data. As long as the repayment is normal according to the repayment date, there will be no cost.