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How do banks in China open credit cards? How much can they usually overdraw?
The applicant goes to the business outlets of China Bank to receive the application form, fills in relevant materials and submits relevant certificates under the guidance of the salesperson, and then submits all materials to the credit card department of China Bank for approval. At present, the initial credit card limit of China Bank is generally 3,000-50,000 yuan, China Puka is generally 3,000-/kloc-0,000,000 yuan, China Gold Card is/kloc-0,000-50,000 yuan, and China Credit Card is 50% of the actual credit limit. \x0d\ 1。 China Bank Credit Card Processing Conditions \x0d\ All China citizens, foreigners with the right of abode in China and compatriots from Hong Kong, Macao and Taiwan who have reached the age of 18, have full capacity for civil conduct and have a legally stable income can apply for BOC credit cards locally. \x0d\ II。 Information required for handling China Bank Credit Card \x0d\ 1. Identification documents: accepting the application for the main card of 18-65-year-old people and the application for the auxiliary card of 16-year-old people. \x0d\ If the applicant is a domestic resident, a copy of the resident ID card or temporary resident ID card (double-sided, within the validity period) or a copy of the military officer's card is required. \x0d\ If the applicant is a foreigner: (1) A valid passport (2) A copy of a foreigner's residence permit or a copy of a foreigner's permanent residence permit attached to the visa page of a valid passport. \x0d\ If the applicant is from Hong Kong, Macao and Taiwan, a copy of the Permit for Hong Kong and Macao Residents to Travel to and from the Mainland or the Home Visit Permit for Hong Kong and Macao Compatriots or the mainland travel permit for taiwan residents should be provided. \x0d\ 2。 Proof of permanent address (you can choose one of the following) \x0d\ copy of household registration card (book) \x0d\ latest three-phase water, electricity and gas bill \x0d\ latest three-phase fixed telephone bill \x0d\ collective dormitory certificate issued by the company \x0d\ house lease contract (payment document of residential property management fee agreement \x0d\ address certificate issued by the street \ x0d. Financial certification documents (you can choose any of the following) \x0d\ official payroll or income certificate issued by government agencies and enterprises in the last three months (with company seal or department seal) \x0d\ copy of bank payroll passbook/bill (with the information of the last three months) \x0d\ copy of personal income tax payment certificate in the last three months \x0d\ copy of social insurance withholding certificate \ Copy of bank time deposit certificate/passbook \x0d\ copy of purchase certificate of funds, national debt and corporate bonds (name, account number and account balance of the purchaser shall be indicated) \x0d\ copy of membership cards, including: Golf membership card, China Mobile, China Unicom VIP card, Air China Companion Platinum Card, Gold Silver Card, China Southern Pearl Card, Gold Silver Card and China Eastern Miles. \x0d\ III。 Matters needing attention in handling supplementary credit cards of China Bank \x0d\ Applicants can apply for supplementary credit cards for their immediate family members (including children, spouses and parents) who are over 16 years old. The information to be provided includes the ID card of the supplementary card applicant and a copy of the household registration book. \x0d\