credit card to handle a card is to apply for another credit card from another bank with the credit card currently held, preferably with a relatively high amount. At present, banks that support card processing include China Merchants, Huaxia, China Everbright, Shanghai Pudong Development Bank, Ping An, CITIC, Guangfa and many other banks.
The prerequisites for using a credit card are as follows:
1. The credit card has no bad record, the consumption and repayment are in good condition, and there is no default or overdue, which mainly considers that the bank's approval of the credit card is based on the applicant's credit record.
2. The use time after card opening should meet the requirements of the bank.
3. The existing credit card limit cannot be too low. If the recommended limit is below 5,, don't consider this method.
If you don't have a credit card and want to apply for a credit card, you can apply if you meet the following conditions:
1. The age requirement is 18-6 years old;
2. Have a stable job and income source;
3. identification information: a copy of the resident identity card or military officer's card;
The above are the basic requirements for handling a credit card. Besides, providing additional materials is helpful for credit card approval.
1. Work certificate: the original work certificate/income certificate issued by the company is stamped with the official seal of the company, the human resources department seal or the financial seal.
2. Financial proof: income tax withholding certificate, self-owned property certificate, self-owned vehicle certificate, ICBC time deposit certificate, etc.
The usual ways to apply for a credit card are as follows:
1. Handling in the business hall: go to the bank outlets, fill out the application form and submit relevant certificates under the guidance of the staff, and wait for approval.
2. Online processing: fill in the information in the official website where you apply for a credit card to apply for a credit card.