It is enough to meet the following conditions

In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources, You can apply for a credit card from the card issuing bank. Sometimes, legal persons can also be applicants.

Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank.

Extended information:

If you have a mortgage loan to buy a house, it must be on your credit report. If there is no mortgage, people who do not have a house to rent can be packaged into buying a house with full payment. The house is located in a local mid-to-high-end community. You can fill in the mortgage status and monthly liabilities as long as they are not from a bank.

Personal income: It can be based on your age, working hours and the local average salary level. If it is too low, the rating will be low, but if the income is too high, it will lack authenticity, so you have to control the degree.

Employment status: If you have a formal work unit, please fill in the actual situation. For people without units, refer to the scoring standards and package them to state-owned enterprises, institutions or large companies. For certain high-risk industries, banks are relatively exclusive. For example, public security organs, financial practitioners, drivers, bars, KTV entertainment industries, real estate agencies, sales, insurance, direct sales, etc. should try to avoid them.

Baidu Encyclopedia-Credit Card