1. Look at the credit card bill date. If the bill date is the 28th, then any purchases made before the 28th will need to be repaid that month.

If consumption is made after the 28th, repayment will be made next month.

2. The credit card payment due date refers to the last date on which the credit card issuing bank requires the cardholder to return the amount due. Prior to this, repayments are interest-free. Overdue interest and late fees will be charged.

3. Credit card application materials:

(1) Identity documents

Residents in China: second-generation ID card, military ID card, armed police card

Hong Kong, Macao and residents: Mainland Travel Permit for residents of Hong Kong and Macao

Taiwan residents: Mainland Travel Permit for Taiwan compatriots

Foreigners: Passport

( 2) Work certification documents

Any one of the following work certification documents:

Work certificate, employment certificate, pass, and name badge pre-printed with the name of the work unit and employee’s name

Original business card pre-printed with the name of the work unit and employee name

Original work certificate issued by the unit within the last 3 months, stamped with the official seal of the unit or the seal of the Human Resources Department or Finance stamp or trade union seal, indicating the date of issuance.

Copy of the teacher appointment letter issued by the State Education Commission or the school within the last year (applicable to teachers)

Copy of registered physician’s practicing certificate (applicable to doctors)

Pre-printed medical insurance list with the name of the unit and the names of employees, printed within the last month, including the word medical insurance, the customer's name, unit name, and payment records should be displayed on a one-page attachment

Note: If you are a private owner , you need to provide a copy of the business license containing the name of the registrant, the name of the unit and the date of business start, and there is no need to provide the above work certification documents.

(3) Income certification documents

Any one of the following income certification documents:

Salary slip for any month in the last 3 months (if salary The form does not show the name of the unit, and the original copy is required)

A copy of the bank statement/passbook showing the applicant’s name and salary income in any month of the last 3 consecutive months

Last 3 The original salary certificate issued in the name of the unit within three months and stamped with the official seal of the unit, the seal of the human resources department, the seal of the finance department, or the seal of the labor union, and the date of issuance must be noted.

Copy of any personal income tax bill within the last 12 months

(4) Credit card certification documents

Copies of the front of credit cards from other domestic banks

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(5) Documents proving financial resources

Copies of any of the following supporting documents:

The real estate certificate in the applicant’s name, or a house purchase contract, or a house pre-sale contract , or mortgage contract, or formal house purchase invoice

The original vehicle driving license in the applicant’s name, the model must be a sedan, and the purpose must be non-operational.

(6) Proof of residence

Copies of utility bills (including water, electricity, gas, landline or mobile phone, etc.) for any month in the last 3 months in the applicant’s name

Copies of bank, securities, insurance, fund, etc. statements for any month in the last three months.

Household register showing the applicant’s current residential address, driver’s license, real estate certificate, social security card, house purchase contract, housing loan contract, copy of house purchase invoice, etc.

Copy of the rental contract, within the validity period of the contract.

ID card (billing address must be consistent with the ID card address)