Generally, the common big banks have credit card business, such as China Construction Bank, Agricultural Bank of China, Bank of China, Industrial and Commercial Bank of China and other state-owned banks. However, the conditions for applying for credit cards are higher and the credit limit is smaller. , the efficiency is also lower;

Regional banks are relatively more efficient, such as China Merchants Bank, Ping An Bank, Shanghai Pudong Development Bank, Guangfa Bank, etc., with higher quotas and faster approvals.

Necessary conditions for applying for a credit card:

1. Must have full civil capacity, that is, 18 years of age and above;

2. Have legal and stable income , and have good credit;

3. Provide corresponding identification documents: a copy of ID card or military officer's certificate;

4. Work certification documents, some banks also require proof of income, and proof of financial resources. Proof of financial resources can include a copy of the real estate certificate, a copy of the motor vehicle driving license, a bankbook, etc.;

5. Documents proving residence: a copy of the household registration book, certification materials issued by the street, or other documents Some supporting materials;

Extended information:

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards can be divided into credit cards and quasi-credit cards according to different repayment methods:

1. Credit card: A credit card means that the cardholder has certain A credit card that allows you to consume within the credit limit and then repay later. When the card-issuing bank provides bank credit, it is first used as an overdraft, and then repaid or paid in installments. Most of these cards are used internationally. That is to say, the way that cardholders are allowed to pay off their credit card accounts without deposits is "spend first, deposit later". Most of these cards are used internationally.

2. Quasi-credit card: A credit card means that the cardholder deposits a certain amount of reserve fund as required. When the balance of the reserve fund account is insufficient for payment, it can be overdrafted within the prescribed credit limit. Quasi-credit card. Cardholders need to rely on their deposit balance when using the card, and overdrafts are generally not allowed.

Baidu Encyclopedia-Credit Card