Let me introduce to you the application conditions and requirements for Everbright Bank credit cards:
1. Application conditions
1. Applicants for the main credit card should meet 18 Chinese citizens who are between 12 years old (inclusive) and 65 years old (inclusive) and have full capacity for civil conduct; applicants for supplementary cards must be at least 12 years old;
2. The applicant should have a legitimate occupation and stable income;
3. Applicants should submit true and complete application materials in accordance with the requirements of China Everbright Bank.
2. Application requirements
1. Applicants should complete the application information and credit card application form online and ensure that the information filled in is true and accurate;
2. Applicants should provide supporting documents required to apply for a credit card, including but not limited to copies of valid ID cards or military officer IDs, work certification documents, financial resources certification documents or other supporting documents required by China Everbright Bank;
3 , Applicants are not allowed to repeatedly apply for the same credit card product of China Everbright Bank online;
4. After the applicant submits the application materials online, China Everbright Bank's credit card sales staff will choose to contact you within no more than 7 working days. The applicant will be contacted and come to handle the business. If the China Everbright Bank credit card sales staff does not contact the applicant within the designated working day, please go to the local China Everbright Bank branch to apply;
5. During the China Everbright Bank credit card online (Internet) application process It does not include supplementary card applications. Applicants can put forward supplementary card application requirements when sales staff come to handle business and handle them accordingly;
6. Currently, Everbright Bank’s online application business only provides sales personnel in some cities and regions. Door-to-door service, if necessary, customers in other cities and regions should go to the local China Everbright Bank branch;
7. For customers who fill in application information online, China Everbright Bank will review and approve it in accordance with existing policies ;
8. Credit card overdrafts earn compound interest on a monthly basis. The overdraft interest rate is 0.5% of the daily interest rate, which is equivalent to an annual interest rate of 18%, and is adjusted according to the interest rate changes of the People's Bank of China;
9. Please repay the loan in full and on time. If you do not repay all the current repayment amount, you will no longer enjoy the interest-free repayment period and you will have to pay overdraft interest; if you do not repay the minimum amount in full, The repayment amount will accrue interest, late fees, and may affect your personal credit.