Basic conditions for applying for a credit card:

1, must be at least 18 years old and have full capacity for civil conduct.

2. Have a good credit record.

3. If you have a job and income, let the bank know whether you have repayment ability.

If you meet the above conditions, you can apply, and the specific steps are as follows:

Step 1: Prepare the materials.

The materials to be prepared are as follows:

In the process of preparing the above materials, there are several special requirements to pay attention to:

1. The income certificate is issued by the unit where you work and must be stamped with the official seal or financial seal.

2. Property ownership certificate, driving license and other assets must be in the applicant's personal name, not the joint property of husband and wife.

3. The certificate of deposit should be the time deposit of the issuing bank. In other words, if you apply for ICBC's credit card, the deposit should also be in ICBC.

Step 2: Submit the application.

After preparing the relevant materials, you can formally apply. In this link, there are three common ways to choose from. One is to apply through the bank official website, the other is to apply at the bank counter, and the third is to apply through the regular third-party credit card application website.

In terms of efficiency, online application is obviously better than counter application. Therefore, it is recommended to give priority to online application. However, if there is no online application service in your area, please bring relevant information to the bank counter to apply. In addition, some bank salesmen will "sweep the building" on weekdays, that is, they will go to various units to sell credit cards, and they can apply with ID cards, work permits and other materials. Usually, the success rate of applying for a credit card is very high.

Step 3: Confirm the card processing progress.

After submitting the application, it is recommended to check the progress of card processing regularly, which can effectively avoid unnecessary troubles such as card dropping and theft. There are three main ways to check the progress of card processing: first, through the official customer service hotline of the bank; The second is through the bank official website; The third is to inquire through the official client of the bank or WeChat account.

Step 4: Sign for the credit card

2-3 natural days after the credit card is issued, the bank will mail the card to the address reserved by the applicant when applying for a credit card. It is recommended to check the application progress regularly after you apply for the card, and try to sign your name on the credit card in person to avoid others collecting it on your behalf and avoiding unnecessary troubles such as stealing the card.

Step 5: Activate the credit card.

After registering your credit card, you only need to complete the activation to use it. There are three main ways to activate credit cards: official customer service hotline activation, official website activation and official mobile phone client activation.