Application location: 1. Local bank branch; 2. Staff of local bank credit card center;

Application conditions: 1. Over 18 years old; 2. Have stable repayment ability.

Submit proof: 1. ID card; 2. Work certificate or income certificate; 3. Work phone number, home phone number and personal mobile phone number; 4. Tax payment certificate or property and vehicle in your own name; 5. Other bank credit cards wait. The above information is not necessarily required. It depends on the bank's requirements. Proof of employment or income is very important.

In order to control risks, banks attach great importance to the repayment ability of the cardholder. The information you submit only needs to make the bank feel that you have sufficient repayment ability. The stronger the repayment ability, the easier it will be for the bank to issue the card.

Fill out the application form first. If you can fill it out, you will have hope. Then submit the above information and wait for the bank's approval. Whether to approve the card and the card limit will depend on the bank's overall score for you.

There is no interest for repayment during the interest-free period. If you exceed the repayment date and pay the minimum payment amount, you will need to pay interest (the calculation method depends on the time when you swipe the card). If you exceed the repayment date, If even the minimum amount is not paid, the interest-free period will be gone, and the full amount will be subject to penalty interest of 0.5% per day from the date of consumption.