1. There are two main requirements for credit card application:\x0d\1. Age requirement: 18-60 years old;\x0d\2. Have a stable job and source of income. \x0d\ 2. Materials and documents required for application: \x0d\ 1. Domestic residents only need to provide: completed and signed application form, identity document, residence certificate, income certificate;\x0d\ 2. Foreigners and people from Hong Kong, Macao and Taiwan also need to provide: Foreigner’s residence permit (the reason for residence must be employment) or employment certificate for foreigners/Hong Kong, Macao and Taiwan;\x0d\3. If you are a private owner, in addition to the above information Also required: A copy of the industrial and commercial business license showing the applicant’s name, company name and date of commencement of operations. \x0d\ 3. If you want to apply for a credit card with a relatively large limit, you need to provide proof of good financial strength, such as: a copy of the real estate certificate, a copy of the car driving license; a bank loan account (with good credit, no more than 60 days overdue) or Copy of deposit receipt, etc. \x0d\ 4. Cash withdrawal by credit card: \x0d\ 1. Cash withdrawal by credit card overdraft: \x0d\A Handling fee: It depends on the regulations of each bank. For example, China Construction Bank credit card charges 0.5% of the cash withdrawal amount in China, with a minimum of RMB 2 per transaction and a maximum of 100 yuan/transaction; China Merchants Bank credit card is charged at 1% of the cash withdrawal amount in China, with a minimum of RMB 10/transaction;\x0d\BInterest: Calculated at 0.05% daily interest. \x0d\2. Cash withdrawal for credit card overpayment: Some banks need to charge a handling fee, and some do not. For example, the handling fee of China Merchants Bank is 0.5% of the amount withdrawn, and the minimum charge is RMB 5 yuan or US$1. \x0d\ 5. Credit card consumption at POS machine: \x0d\1. Repay in full on time, interest-free; \x0d\2. Pay the minimum payment on time, and charge a daily interest rate of 0.05%; \x0d\3 .For late repayment, in addition to the above-mentioned interest, there are also late fees.