How to submit proof of financial resources when applying for a credit card online?

Compared with traditional application methods, online credit card application does not require providing complicated information. You only need to fill in the application form online and submit it. But if you want to increase your card application success rate and card approval limit, you must provide sufficient proof of financial resources.

So, how to provide proof of financial resources when applying for a credit card online? Come take a look with me below. At present, domestic mainstream banks such as ICBC, China Construction Bank, Agricultural Bank of China, Bank of Communications, Everbright, and China Merchants Bank have opened online application channels. In principle, these banks do not need to submit any supporting materials when applying for a credit card online. If the local card department requires you to submit them during the review, you can also You have to wait until the card is issued and then submit it when you pick up the card at an outlet.

As far as I know, many bank credit card official websites cannot upload relevant proofs of financial resources, employment, etc. Generally, after your credit card application passes the preliminary review, the bank will send you a text message notification, and you can bring it with you. Relevant financial certificates (house book, car book, work certificate, etc.) must be obtained at designated outlets.

What proof of financial resources do I need to submit when applying for a credit card? When applying for a credit card, you generally need to provide the following 6 types of financial proof, including but not limited to bank salary records, income tax withholding certificates, or documents proving the market value of houses, cars, deposits and investments, etc. that can prove your financial level. The details are as follows:

Proof of social security and provident fund, generally working in the same company for more than 3 months and having a record of paying five insurances and one fund, can prove that your job is stable and allow the bank to advance pre-tax income through social security payments. , which is generally a more effective voucher for applying for a credit card. For example, the Post Office attaches great importance to provident funds, and China Everbright attaches great importance to social security.

Proof of Deposit If you plan to apply for a credit card from that bank, it is also very useful to hold a time deposit with the bank for more than 3 months, or to have purchased corresponding financial products. (For example, if you apply for a fixed deposit of RMB 40,000 in a branch, your application for a fixed deposit must be approved) Months and above.

Proofs of real estate and car ownership are auxiliary documents, which can prove to the bank the financial resources of the person who submits the documents, and are of great help in the assessment of the credit limit.

Statement: The article comes from the Internet and is only for netizens to learn and communicate. If there is any infringement, please contact us to delete it.

Can I apply for a credit card without proof of financial resources

Some cardholders think that you must submit proof of financial resources to apply for a credit card. In fact, this is not the case. You can apply for a credit card without proof of financial resources. However, if you can provide proof of financial resources when applying for a card, you will have a higher chance of getting the card. The more proofs of financial resources you provide, the easier it will be to get a large credit card~~ So, how can you apply for a credit card without proof of financial resources? Let’s find out together below.

What financial proof is needed to apply for a credit card?

There are many types of financial resources commonly used when applying for a card. You can provide one or several types, including but not limited to salary records issued by banks, or income tax withholding certificates (tax payment certificates). ), or documents proving the market value of houses, cars, deposits and investments, etc. that can prove your financial level.

It should be noted that the real estate certificate must contain the name of the person or his spouse, with proof of relationship; the car driving license must be in his name.

Submitting these financial proofs mainly allows banks to evaluate the applicant's qualifications. Generally speaking, groups with fixed, stable jobs and high incomes can obtain high-limit credit cards, but this does not mean that there is no financial proof. I can't apply for a credit card.

How to apply for a credit card without proof of financial resources?

In the case of this netizen, it is possible to apply for a credit card, but since the cardholder can only provide an ID card, it is recommended to apply online, because applying for a credit card online does not require the submission of complicated information. , such as proof of financial resources or something.

Under normal circumstances, applicants can directly log in to the online credit card application page of each bank, select the online credit card card type promoted by the bank, and fill in the application form to complete the application. The entire card application process is generally divided into The following four steps:

Step 2: Follow the prompts on the application page to complete the applicant's personal name, ID number, family situation, work situation and other basic information, and then submit the application.

Step 3: After submitting the application, the Credit Card Center will review the applicant's information, and the applicant can check the progress of the card application through telephone banking and the Internet.

Step 4: After the bank completes the review, it will send a relevant text message to the applicant to inform the applicant of the review results and approval amount. After passing the preliminary review, you still need to go to a bank branch for an interview to apply for a credit card. The card can only be issued after the interview is successful.

What is the proof of financial resources for a credit card?

Proof of financial resources: This can be provided by bank salary records, income tax withholding certificates, or documents proving the market value of houses, cars, deposits and investments (such as copies of real estate certificates/car driving licenses). Information about your level of financial resources. Other documents available for reference include: social security personal account list in the past six months, water and gas bills, credit card bills from other banks, etc. Proof of financial resources is helpful to the passing rate, and you can choose to provide it or not. To apply for a credit card, you must first be over 18 years old, and then meet one of the following conditions:

1. If you have a job, you can show your income certificate/salary/salary card statement, or leave your workplace phone number for the bank to check;

2. If you have a real estate certificate or car owner certificate, present the original and submit a copy;

3. If social security is withheld at the four major banks, you can apply at the withholding bank;

4. ICBC has some ultra-low limit credit cards (minimum 0.1 yuan) with very low processing standards. The limit will be automatically increased after a few months of use, and can be used to apply for a card;

5. Open an account with China Merchants Bank and deposit 10,000 yuan for three months to receive a credit card.

6. Formal salary slips or income certificates for the past three months issued by government agencies and enterprises (need to be stamped with company seal or department seal);

7. Proof of self-owned property Copy;

8. Copy of bank’s time deposit and current deposit slip/passbook. With the help of these eight types of supporting materials, you will have a greater chance of applying for a high-limit card when applying for a credit card. Proof of financial resources include property certificate, income certificate, deposit certificate, etc. Banks can check this through the central bank's system. If you provide false certification materials to the bank, you may be rejected, and you may even be included in the bank's blacklist, which will affect future loans and card applications. If you meet the conditions, go to a bank branch and ask for an application form. After filling it out, you can return it to the branch along with all supporting documents.

If you do not meet the above conditions and do not require an overdraft, but just need the payment function of the credit card channel, you can apply for an international debit card with a credit card channel. You can apply for it and use it immediately without applying. All major banks have it.

How to provide proof of financial resources when applying for a credit card online

If cardholders need to apply for a card, they can choose a more convenient and faster way to apply for a credit card, which is to apply for a credit card online. Compared with the traditional credit card application method, online credit card application does not require providing complicated information. You only need to fill out the application form online and submit it. But if you want to increase your card application success rate and card approval limit, you need to provide sufficient proof of financial resources. So, how do you provide proof of financial resources when applying for a credit card online? Let’s take a look below.

How to submit proof of financial resources when applying for a credit card online?

Mainstream domestic banks such as ICBC, China Construction Bank, Agricultural Bank of China, Bank of Communications, China Everbright, China Guangfa, and China Merchants Bank have all opened online application channels. In principle, these banks do not need to submit materials when applying for a credit card online. If the local card department approves the application, You need to submit it at the time, and you must wait until the card is issued and then submit it when you pick up the card at the card collection outlet.

But as far as we know, many bank credit card official websites cannot upload relevant proofs of financial resources, employment, etc. Generally, after your credit card application passes the preliminary review, the bank will send you a text message notification, and you can bring relevant Please go to designated outlets to provide proof of financial resources.

What financial proof is required to apply for a credit card?

When applying for a credit card, you can generally provide 6 types of financial proof, including but not limited to bank salary records, income tax withholding certificates, or documents proving the market value of houses, cars, deposits and investments, etc. to prove your financial level. The information is as follows:

1. Salary statement

The bank's salary statement is a guarantee that the borrower has a normal monthly income and guarantees that the loan will be deducted on time, mainly Examine the stability of the borrower's first source of repayment and debt capacity.

2. Social Security Certificate

Generally, working in the same company for more than 3 months and having a record of paying social security can prove that your job is stable and allow the bank to pay advance payment through social security. Estimate pre-tax income. Generally, it is a more effective voucher for applying for a credit card.

3. Proof of deposit

If you plan to apply for a credit card from a certain bank, it is also very useful to hold a time deposit with this bank for more than 3 months, or to have purchased corresponding financial products. A move.

4. Business license

Self-employed individuals without work flow can provide a copy of the business license as a material for applying for a credit card, but the business license must be valid for more than 6 months, and must be valid for more than 6 months. Attached are the bank statements of the corporate account.

5. Real estate and car ownership certificates

This type of information is auxiliary information, which can prove the strength of the person submitting the information to the bank. It is generally helpful for the assessment of the quota. If you are applying for a high It is recommended that you attach a high-level or large-limit credit card.

6. Already have a credit card

This is the legendary card application. If you have a credit card that has been used normally for more than 3 months, you can also use a copy of it. As part of the application materials.

Do I need proof of financial resources to apply for a credit card?

Proof of financial resources will help the passing rate, and you can choose to provide it or not. To apply for a credit card, of course you must first be over 18 years old, and then you must meet one of the following conditions: 1. Have a job, you can show proof of income/payslip/salary card statement, or leave your workplace phone number for bank verification; 2. Have a real estate certificate or car owner Certificate, present the original and submit a copy; 3. If the social security is withheld at the four major banks, you can apply at the withholding bank; 4. ICBC has some ultra-low credit cards (minimum 0.1 yuan) with very low processing standards. The limit will be automatically raised after a few months, and can be used to apply for a card; 5. Open an account with China Merchants Bank and deposit 10,000 yuan for three months to receive a credit card. If you meet the conditions, go to a bank branch and ask for an application form. After filling it out, you can return it to the branch along with all supporting documents. If you do not meet the above conditions and do not require an overdraft, but just need the payment function of the credit card channel, you can apply for an international debit card with a credit card channel, which can be used immediately without application. All major banks have it.

What does the financial proof for credit card application include?

When applying for a Bank of China credit card, you need to submit proof of financial resources, including: real estate, cars, salary certificates (details of the past six months), complete tax payment certificates, provident fund, and social insurance withholding certificates in your name. , proof of employment (need to be stamped with company seal/financial seal), etc. For details, please refer to the explanation of the card application outlet.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, please feel free to consult Bank of China’s online customer service.

You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GOAPP to handle related businesses.

That’s it for the introduction of credit card financial proof.