It is not true that provident fund cannot be used as collateral to apply for a credit card, but proof of provident fund and social security payment can be used as one of the qualifications for credit card applicants; that is, proof of the applicant's financial level and repayment ability.

Generally speaking, the documents that must be provided when applying for a credit card include identity documents and employment/income verification documents. Identity proof documents include: a copy of the applicant's identity certificate or military officer's certificate; Hong Kong and Macao residents provide a copy of the return home certificate, Taiwan residents provide a copy of the pass, other foreigners provide a copy of the passport, and at the same time provide a domestic residence permit or temporary residence certificate a copy. Proof of work and receipt documents include: a copy of the work permit or work identification card or the original work certificate stamped with the official seal of the unit; bank salary records (copies of salary card statements) or personal income tax withholding certificates in the past three months. or the original income certificate issued by the employer.

Other supporting documents, including academic qualifications, professional titles, professional qualification certificates, self-owned real estate certificates, self-owned car driving licenses, copies of bank time deposit certificates, and telephone, water, and electricity records of the current place of residence for the past three months. , any original documents for gas bills, other bank credit card certification documents (originals of the last three statements), recent social security provident fund payment certificates, etc. can be provided as much as possible, which will help the application to be successful and obtain a higher credit limit.