The financial proof of BOC's application for credit card includes: real estate, automobile production, salary certificate (detailed in the last six months), complete tax payment certificate, provident fund, social insurance withholding certificate, employment certificate (company official seal or financial seal is required), etc. , subject to the interpretation of each card outlet.
The above contents are for your reference. Please refer to the actual business regulations.
How to provide financial proof for online credit card application?
If you need to apply for a card, you can choose a more convenient and quick way to apply for a card, that is, apply for a credit card online. Compared with the traditional credit card application method, online credit card application does not need to provide complicated information, just fill in the application form and submit it online. However, if you improve the success rate and the amount of card approval, then you need to provide sufficient proof of funds. Then, how to provide financial proof when applying for a credit card online? Let's take a look together.
How to submit financial proof when applying for a credit card online?
Major domestic banks such as ICBC, China Construction Bank, Agricultural Bank of China, Bank of Communications, China Everbright, Guangfa and China Merchants Bank have all opened online application channels. In principle, these banks do not need to submit materials when applying for credit cards online. If you need to submit it when the local card department reviews it, please wait until the card issuance is completed and the card is picked up at the card pick-up outlets.
But as far as we know, many bank credit cards in official website are unable to upload financial resources, work and other related certificates. Generally, after your credit card application passes the preliminary examination, the bank will send you a short message, and you can bring the relevant financial resources to the designated outlets for processing.
What financial proof do I need to submit to apply for a credit card?
Generally speaking, you can provide six kinds of financial proofs when applying for a credit card, including but not limited to bank salary records, or income tax withholding vouchers, or documents proving the market value of your house, car, deposit and investment, as shown below:
1, wages are flowing.
The bank's payroll is a guarantee to prove that the borrower has a normal fixed income every month and ensure the timely deduction. The main purpose is to investigate the stability of the borrower's first repayment source and its debt ability.
2. Social security certificate
Generally, if you have worked in the same company for more than 3 months and have a record of paying social security, you can prove that your job is stable, so that banks can estimate their pre-tax income by paying social security fees. Generally, it is a more effective voucher for applying for a credit card.
3. Proof of deposit
If you plan to apply for a bank's credit card, it is also very useful to hold a fixed deposit for more than three months in this bank or buy corresponding wealth management products.
4. Business license
Self-employed individuals with no work experience can provide a copy of their business license as the materials for applying for a credit card, but the business license must be valid for more than 6 months, and the company's bank account needs to be attached.
5, real estate and automobile production certificate
This kind of supplementary information can prove the author's strength to the bank and generally help to evaluate the credit line. If you apply for a high-end or large credit card, it is recommended to attach it.
6. Existing credit cards
This is the legendary card. If there is a credit card that has been used normally for more than 3 months, its copy can also be used as an integral part of the card processing materials.
How can ICBC provide financial proof when applying for a credit card?
Specific measures are as follows:
65438+ After the customer successfully applies for the credit certificate, he can also apply for an appointment at the outlet, and arrive at the selected outlet during the appointment period to enjoy priority.
2. The relevant person in charge of ICBC told the China Economic Net reporter that in addition to issuing credit certificates, ICBC can also provide a variety of mature overseas financial products such as foreign exchange remittance, settlement and sale of foreign exchange, traveler's checks, credit cards, study abroad loans, witness account opening, pre-settlement and remittance, and overseas financial services, and provide customers with "one-stop" overseas financial services through the global service network in 40 countries and regions on six continents, effectively meeting their various financial service needs.
How does CCB submit financial proof?
CCB can submit financial proof through the counters of CCB outlets or apply for a credit card (debit card) to upload video materials online through the credit card (debit card) website.
The types of documents applied for uploading online include real estate license, driving license, salary details of the last six months or other materials. There are two ways to upload picture files: mobile phone scans QR code and computer files. The maximum size of the picture is less than 5M, and the maximum size of the picture uploaded by mobile phone is 200K. Photos support jpg/jpeg/bmp format.
Proof of financial resources includes: proof of income, proof of personal assets and proof of professional qualification. Income certificate refers to the personal income tax withholding certificate, a copy of the social security receipt, and the deposit record of the provident fund in the last three months; Personal assets certificate refers to the purchase invoice, driving license, savings passbook or deposit certificate of China Construction Bank and a copy of local real estate license owned by me or others, and the purchase invoice for one-time payment of house payment; A vocational qualification certificate refers to a copy of a vocational qualification certificate assessed or recognized by a national authority.
How to submit financial proof when applying for a credit card online?
Compared with the traditional application method, online credit card application does not need to provide complicated information, just fill in the application form online and submit it. However, if you want to improve the success rate and the amount of card approval, then you must provide sufficient financial proof.
Then, how to provide financial proof when applying for a credit card online? Come and have a look with me. At present, major domestic banks such as ICBC, China Construction Bank, Agricultural Bank, Bank of Communications, China Everbright Bank and China Merchants Bank have all opened online application channels. In principle, these banks do not need to submit materials when applying for credit cards online. If it needs to be submitted when the local card department reviews it, it should wait until the outlets issue cards and receive them.
As far as I know, many bank credit cards in official website cannot upload financial resources, work and other related certificates. Generally, after your credit card application passes the preliminary examination, the bank will send you a short message, so you can bring relevant financial resources (house book, car book, work certificate, etc.). ) to the designated outlets for processing.
What financial proof do I need to submit to apply for a credit card? Generally speaking, you can provide the following six kinds of financial proofs when applying for a credit card, including but not limited to bank salary records, or income tax withholding vouchers, or documents proving the market value of your house, car, deposit and investment, as shown below:
Social security and provident fund certificates generally work in the same company for more than 3 months, and there is a record of paying five insurances and one gold, which can prove that your job is stable and allow banks to pay pre-tax income through social security. Generally, applying for a credit card is a more effective proof. For example, postal services pay more attention to provident fund, while Everbright pays attention to social security.
Proof of deposit If you intend to apply for a credit card from that bank, it is also very useful to hold a time deposit for more than 3 months in this bank or buy corresponding wealth management products. (If Xingye is involved, applying for a deposit of 40,000 yuan at the outlet must be approved. )
Self-employed individuals who do not have a business license can provide a copy of the business license as the materials for applying for a credit card, but the business license must be registered for more than 6 months.
Real estate and vehicle production certificates are auxiliary materials, which can prove the financial resources of the submitted materials to the bank, which is of great help to the evaluation of the quota.
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So much for the introduction of credit card financial proof.