I want to apply for a credit card when I am 19 years old. Which one is easier if I have a job?

Card application conditions: 1. Be over 18 years old; 2. Hold a valid ID card; 3. No bad credit record; 4. Have proof of regular employment; 5. Proof of income with the financial seal of the unit ; 6. Other proof of financial resources, such as real estate, cars, stocks, bonds, etc.; 7. Social security certificate; the first 3 are the most basic requirements. If 4 to 7 supporting materials can be provided, the application success rate and credit limit will be increased.

You are 18 years old and meet the age requirements in the above conditions. When applying for a card, you can apply for the card with proof of employment, income, and property. As for which credit card to apply for, you can actually apply for it. After all, the conditions are met

In your case, I suggest Apply for credit cards from Shanghai Pudong Development Bank, China Minsheng Bank, China Everbright Bank, and other banks. If your company pays wages directly to your bank card, it would be easiest for you to apply for a card using a credit card. The four major banks have stricter requirements for credit card processing, and the credit limit is very low, and the limit increase is also slow. I used to have several credit cards, and the approved limit at first was 10,000 to 15,000. Finally, I applied for a Shanghai Pudong Development Bank credit card on my mobile phone, and the amount was 40,000. I was a little surprised, so now I basically give priority. Using a wholesale bank credit card, it has now increased to more than 100,000.

I have a method to apply for a credit card with a credit card acceptance rate of more than 95%. I used this method to apply for hundreds of thousands last time.

I recommend China Merchants Bank. China Merchants Bank has the largest number of card issuances and good services. Good point, it has the most activities. If you still have some money in hand if you have a limit requirement, you can start with the Industrial and Commercial Bank of China. First, increase the number of stars to 5, and then review the card. The Industrial and Commercial Bank of China gives a high limit. Other joint-stock banks or city commercial banks will refer to this limit.

19 years old generally meets the card application standards of various banks, but different banks still have different requirements:

For example, Industrial and Commercial Bank of China generally has 3000-5000 for your situation. If the credit limit is five-star or above, the credit limit may be relatively higher

For commercial banks, the credit limit is higher than that of the four major banks, but the installment interest is also higher than that of the four major banks. The processing conditions are also looser and you can go to the counter. You can also apply online

However, after all, credit cards are for advanced consumption. It is recommended that you consider carefully based on your own situation

It is recommended not to apply for a credit card and do not spend in advance, otherwise you will become dependent. Once your job is unstable and you fail to repay your debt, it will have a great impact on your credit! If you must apply, use your credit card as an emergency when you have a job and are stable. Bank of Communications is easy to pass, the limit is OK, and you can withdraw the full amount!

CITIC Bank, Industrial Bank, Minsheng Bank, China Everbright Bank, and personally recommended commercial bank credit cards. At 19 years old, I have no qualifications. Commercial banks have high credit card acceptance rates, high credit limits, and fast credit limit increases. ***Mian

Since you are only 19 years old, if you want to apply for a credit card, I suggest you apply for Shanghai Pudong Development Bank or Guangfa Bank. Bank of Communications. Because these banks do not have too many age requirements, and it is very easy to apply as long as you have a stable job.

When I applied for a China Merchants Bank credit card, it was more convenient because China Merchants Bank has a large number of users. Qualification restrictions are relatively low. Generally, ordinary employees can do it. The limit is a bit low, basically starting from 5,000.

Can a 19-year-old get a credit card? At what age can you get a credit card?

You can apply for a credit card if you are 19 years old. The basic application conditions for most bank credit cards are between 18 and 60 years old, but more importantly, you must have stable and legal financial resources, and Good personal credit record.

1. Credit card application conditions

1. Generally speaking, a stable job is a necessary condition for successfully applying for a credit card. Of course, this is not absolute. Many universities now have card processing services specifically for college students. This is to apply for a credit card unconditionally. College students only need to bring their personal documents and student ID cards to the bank to apply for it.

2. First, citizens who are over 18 years old and have the capacity for civil conduct are required.

3. It is required to have a stable income and provide proof of income, firstly to prove the ability to repay, and secondly to use it as a reference for setting the credit card limit. If you have successfully applied for a credit card, you can use the card to apply for a card, and the process will be much easier.

4. The personal credit report must be good and have no bad records.

5. Whether you can successfully apply for a credit card is also related to your occupation. For example, security, self-employed, farmers, etc. are more difficult to successfully apply for. After applying for social security, the balance of social security is very large.

Here, it must be said that many people may have false income certificates, but it is difficult to falsify social security. When you provide your social security card to bank staff, the bank staff can check the balance. If you have purchased social security for a long time and have a large balance, the credit card you apply for will generally be approved successfully, and the limit will be relatively higher.

2. Credit card limit increase guide

1. The consumption amount accounts for a large amount of the card limit, but the total consumption amount per bill is less than 70_;

Number of consumption As many as possible, an average of 15 to 25 transactions per month.

According to multiple industries, such as shopping malls, supermarkets, gas stations, restaurants, hotels, tourism, entertainment venues, etc.;

Try to avoid wholesale and house and car purchases, etc. consumption bills;

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Do not concentrate on one category of merchants (mcc code) for swiping cards;

6. Do some consumption installments in the card issuing bank’s online mall.

Can a 19-year-old apply for a credit card?

A 19-year-old can apply for a credit card. The basic requirements for most bank credit cards are that they are between 18 and 60 years old and have stable and legal status. Financial resources and good personal credit record. If you are over 19 years old and meet other conditions, you can apply for a credit card. When applying for a credit card, you need to provide the following information:

The credit card applicant’s ID card and a copy of the ID card, both front and back of the ID card;

Proof of employment or income is also required. Proof, this is for the bank to confirm that you have a stable financial source, and the certificate needs to be stamped with the personnel seal or financial seal of your work unit;

If there are other certificates that can prove your personal financial resources, you can also provide them together.

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Provisions").

It refers to an electronic payment card issued by a commercial bank or other financial institution that has all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It means that the cardholder is required to deposit a certain amount of reserve fund, and when the balance of the reserve account is insufficient, payment will be made.

A quasi-credit card that can be overdrafted within a specified credit limit. The so-called credit card generally refers to a credit card only.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).

On May 25, 2021, the Supreme People’s Court issued and implemented the “Regulations of the Supreme People’s Court on Several Issues Concerning the Trial of Bank Card Civil Cases.”

Materials for applying for a credit card:

1. Identity proof: copy of resident ID card or military officer ID;

2. Work and income proof;

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3. Other proof of financial resources: such as a copy of the real estate certificate, a copy of the driving license, a copy of the deposit receipt, etc.

Credit card application process:

1. Fill in the application form;

2. Give the bank’s personal information and a copy of the information;

3. The bank sends it to the credit card center;

4. The credit card center reviews, prints and issues the card;

5. After I get the card, I open it and wait for the password letter .

6. Being over 18 years old is a mandatory requirement for applying for a credit card, but without proof of employment, it is easy to be rejected when applying for a credit card. Therefore, if you do not have an employer, it is best to have real estate under your name, or For fixed assets such as cars or if you have a stable source of income, you can also go to the bank where the transaction occurs to obtain a bank statement and apply to the bank. If your income source is relatively stable, your application success rate is still very high.

Can I apply for a credit card if I am 19 years old?

1. Can I apply for a credit card if I am 19 years old?

You must be 18 years or older. Whether a 19-year-old can apply for a credit card depends on whether the following conditions are met: The most important condition for applying for a credit card is to have a stable job and income. The necessary application documents are a copy of the identity certificate and a work certification document. If other financial proof documents can be provided, they will be updated. It helps the bank to understand the personal situation and determine the credit limit.

Detailed application materials are as follows:

(1) Identity certificate: usually ID card, military personnel need to provide a copy of military ID;

(2) Work certificate : It can be the original work certificate issued by the unit where you are employed (please indicate the specific company name, department, position and income, and stamp it with the company seal or personnel seal), or a copy of the original work certificate that has been verified by the promoter and marked

(3) Proof of financial resources: It can be salary records issued by banks, or income tax withholding certificates, or documents proving the market value of houses, cars, deposits and investments (such as real estate certificates/car driving licenses/bank A copy of the time deposit certificate) and other materials that can prove the level of financial resources. Other documents available for reference include: social security personal account list in the past six months, water and gas bills, credit card bills from other banks, etc.

2. What kind of credit card can I apply for at the age of 19?

How to say, although 19 years old is already an adult and can already apply for a credit card, because you are still relatively young , so your application for a credit card will probably not be approved, and the bank will think that you do not have enough ability to repay the debt. But if you are still a student, you can try to apply for a college student credit card. This type of credit card is easier to be approved because this type of credit card is mainly for college students.

Currently, there are six types of credit cards available for college students to choose from, including the "Peony Student Card" issued by the Industrial and Commercial Bank of China, the "Dragon Card College Student Card" issued by China Construction Bank, and the "Peony Student Card" issued by the Agricultural Bank of China. "Youka", "I Card" issued by China CITIC Bank, "Bank of China City Card" issued by Bank of China, "Fantasy Card" issued by Guangdong Development Bank and "Young Card" issued by China Merchants Bank.

Can a 19-year-old apply for a credit card?

A 19-year-old can apply for a credit card. The basic application conditions for most bank credit cards are that they are between 18 and 60 years old and have stable and legal status. Financial resources and good personal credit record. If you are over 19 years old and meet other conditions, you can apply for a credit card.

However, applying for a credit card requires a lot of supporting documents. If you cannot provide enough documents, you are likely to be rejected.

Credit card application conditions:

Must be 18 years of age or older, a Chinese national with full capacity for civil conduct, a legal and stable source of income and good credit, or a foreigner resident in the country. People and compatriots from Hong Kong, Macao and Taiwan can apply for a bank credit card from the card issuer with their valid identity documents.

The materials that need to be provided are as follows:

1. Proof of identity: usually an ID card (if you are using a new version of the ID card, a copy of the front and back is required). Military personnel need to provide a military ID card. Copy of certificate;

2. Work certificate: It can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and stamp the company seal or personnel seal ), or a copy of the work permit/plate;

3. Proof of financial resources: it can be a salary record issued by a bank, or an income tax withholding certificate, or documents proving the market value of houses, cars, deposits and investments (such as real estate certificates /Copy of car driving license/bank time deposit certificate) and other materials that can prove your financial level.

4. Other documents available for reference include: social insurance personal account list for the past 6 months, water and gas bills, credit card bills from other banks, etc.

The above are the conditions for applying for a credit card from major banks. If you meet the above conditions, you can apply for a credit card. If the card is not approved, the bank will conduct a comprehensive scoring review based on the information filled in by the applicant. Generally, new customers who fill in all the information truthfully will have a high rate of card approval. However, the order in which you apply for each bank also has a great impact on later application for a card.

Credit card application method:

1. Application at the counter:

Bring your credit certificate to the counter to apply:

Applicants are required to submit a comparison Submit complete asset certification documents to Industrial Bank for review by the bank's backend review department;

After passing the review, fill in relevant information and identity information;

Issue a credit card.

2. Online banking application:

The applicant uses a savings card account under his or her name to open online banking and enter the official website of Industrial Bank;

Enter the login password and verification code Then enter the online banking page;

Click "Credit Card Service", you can choose to apply for a credit card under the credit card service page, fill in the information and submit, the review progress and results will be displayed on the online banking;

Audit Once approved, the credit card is issued.

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Introduction to applying for a credit card at the age of 19 Let’s stop talking here.