International multi-currency credit card:

International dual-currency credit card is very important to eBay users. It is a symbol to prove the identity of the seller. How to apply for a credit card and what are the procedures? This is a question that many users have been concerned about. Below we will introduce to you the application guidelines and application cycles of international credit cards from several domestic banks.

Currently popular domestic credit cards include China Merchants Bank Credit Card, Industrial and Commercial Bank of China Peony International Credit Card, Bank of China International Great Wall Credit Card, China Construction Bank Dual Currency Credit Card, etc.

Documents required to apply for an international credit card:

Required conditions:

1. Work certificate (generally the original work certificate stamped with the official seal of the unit’s personnel department)

2. Proof of identity (domestic resident ID card, household registration book, homecoming permit, military ID, passport and other identity documents accepted by banks)

3. Proof of income (general It is the original work certificate stamped with the official seal of the unit's financial department. If the salary is paid by a bank, you can directly provide the bank account number or provide a designated copy of the statement or passbook as required by the bank)

----The above three All these files are indispensable.

Optional conditions:

4. Proof of financial resources (including but not limited to certificates of deposit, current and time deposit certificates or passbooks, deposit certificates, real estate certificates, car driving licenses, etc.)

----The above documents are used to increase the bank's credit card approval limit.

Currently, various domestic banks have launched their own credit cards. Although the names of credit cards of each bank are different, the international standard dual-currency credit cards of each bank are mostly divided into two types: Visa card and MasterCard card. As long as you choose different card types when applying for a credit card, you can also choose two card types at the same time.

The credit card organization can be the following types: Visa card, MasterCard card, Discover card, American Express card

Specific requirements:

Credit cards are generally divided into gold cards and ordinary cards. As long as they are between 18 and 60 years old and have a stable income and a fixed address, they are local residents. (Some banks have relaxed this. As long as residents with out-of-town accounts have a certain amount of fixed income and a fixed address (certified by the community where they live), they can apply at the bank. (Of course, many banks also launch a student card specifically for schools. For example, China Merchants Bank's credit card)

Each bank has different approval requirements for credit cards. The applicant's usage limit is determined based on the certification materials provided by the applicant and a certain degree of investigation (authenticity of materials\creditworthiness). Therefore, the more detailed the information provided by the applicant, the higher the assets and creditworthiness that can be proved, and the higher the usage limit will be (such as property certificates/vehicle certificates and other asset certificates).

Tips:

Each bank has different approval conditions for credit card applications, as well as the approved amount and the cash withdrawal interest rate and other fees. Currently, you need to pay an annual fee to apply for a credit card (the annual fee is different for each bank, and some banks also introduce Different preferential activities. Therefore, you must consult several banks before applying, and finally choose one or two banks that meet all the requirements and are more convenient to use. When applying, you can also apply based on the surrounding VISA cards and MASTERCARD Depending on the card merchants, you can choose the corresponding card type, or you can apply for both cards at the same time.

Card application process:

Get the application form - understand the application conditions - fill in the application form --Prepare supporting documents--Submit application form and application materials--Approved--Receive credit card--Activate--Use

Each bank has set up its own national unified customer service number for credit cards, specific You can call us for details.