Debit cards cannot be upgraded to credit cards, and credit cards can only be reapplied.

1. Conditions for applying for a credit card

1. Age requirements: Applicants for the main card must be over 18 years old, and the maximum age limit varies from bank to bank; for supplementary cards, the age limit is According to the regulations of different banks, the applicable age is also different, and the minimum age must not be less than 13 years old. Taking China Merchants Bank as an example, main card applicants must be between 18 and 60 years old. Primary cardholders can apply for supplementary cards for parents, spouses or children, and supplementary card applicants must be above 14 years old.

2. Proof of fixed employment: Applicants must have a stable job and legal income, and have a certain ability to repay. For example: proof of income with the financial seal of the unit; proof of social pension insurance; other proof of financial resources, such as real estate, cars, stocks, bonds, etc. You do not need to present all the above financial proofs. You can choose the one that suits you. The financial proof provided will have a certain impact on whether the application is successful and the amount of the credit card issued.

3. No bad credit record: Bad credit record is also called 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

2. Credit card application process

Take China Merchants Bank as an example to introduce online processing Process:

1. Log in to China Merchants Bank Credit Card Online Banking;

2. Click "Credit Card Online Application";

3. Select the China Merchants Bank Credit Card to apply for and region;

4. Read the terms of use and fill in personal information;

5. Submit application and application materials;

6. Bank verifies customer identity Check whether the information is consistent with the ID card information database and check the personal credit system;

7. Call the applicant and his/her unit to verify that his/her information and unit information are true and reliable

8. After passing the review, wait for the bank to send the credit card

1. 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. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. 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.

2. Credit cards stipulated in my country's relevant laws ("Interpretations of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, An electronic payment card with full or partial functions such as transfer settlement, cash deposit and withdrawal, etc. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is Credit Card. Credit cards are generally special carrier plastic cards with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. The name of the card issuer, validity period, number, cardholder name, etc. are printed on the front, and there are chips, magnetic strips, and signature strips on the back. Cardholders can use their credit cards to shop and spend money with special entities and deposit and withdraw cash from banks. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date.

3. Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card A debit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient to pay, the card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only. Starting from January 1, 2021, credit card overdraft interest rates will be determined independently by card issuers and cardholders through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. 0.7 times).