How to apply for a Minsheng Bank credit card?
Minsheng Bank Credit Card Application Conditions
1. In terms of income requirements, applicants for the main card must have a legitimate occupation and stable income; or although they have no fixed occupation, they must have a stable source of income. , otherwise please provide the necessary guarantee (such as deposit, pledge or guarantor), and complete the "Minsheng Credit Card (Personal Card) Guarantee Contract"
2. Age requirements, the principal card applicant must Be at least 18 years old; applicants for supplementary cards must be at least 13 years old.
Application submission materials:
Financial support documents (optional documents will help improve the bank’s assessment of your capital): such as salary records issued by the bank, income issued by the unit Copies of certificates, income tax withholding vouchers, self-owned real estate certificates, self-owned car driving licenses, time deposit certificates from our bank, etc.
Work certification documents for the main card applicant (required documents): such as a copy of the work permit, the original work certificate issued by the work unit, a copy of the professional title, a copy of the professional qualification certificate, etc.
What are the application conditions for a People’s Bank of China credit card? How to apply for Minsheng Bank credit card?
1. Industrial Bank: The threshold for applying for a card at Industrial Bank is relatively low. Applying on Alipay makes it easier to apply for a card, but generally you need a sesame score of 620 or above to apply. As for card selection, I would like to introduce you to apply for Industrial Bank pass credit card and Industrial Taobao credit card. Generally, the review results will be available as soon as 5 minutes after submitting the application. In the case of good credit, the review pass rate is said to be above 90%.
2. Everbright Bank: For Alipay users with a Sesame score of 620 or above, it is easier to apply for an Everbright credit card on Alipay. Many cardholders reported that they can be approved in seconds. Of course, you still need to choose the right card type in advance. . It is recommended that you apply for the Everbright Duck-themed credit card. This credit card is said to be the easiest card to be approved in seconds by China Everbright Bank. However, it should be noted that online Shen Everbright Bank requires an interview before the card can be issued.
3. Minsheng Bank: Minsheng Bank has cooperated with Alipay to apply for cards very early. Generally, if there is no problem with the credit report, the Sesame score of 600 or more can be approved in seconds, especially now that it is approaching It’s the end of the year, and the card approval rate remains high. In terms of card selection, female friends can apply for the Minsheng Women's Flower Credit Card, and car owners can apply for the Minsheng Car Credit Card. In addition, Minsheng Baidu Takeout Co-branded Credit Card, Minsheng.com Tesco Installment Credit Card, etc. are also relatively easy to purchase.
4. GF Zhenqing Credit Card: GF Zhenqing Credit Card is a women’s card launched by China Guangfa Bank. It has outstanding advantages in shopping, women’s insurance, etc.! At the same time, you can choose one of the four major merchant types including department stores, restaurants, tourism, and entertainment to enjoy three times the points for swiping your card. However, it is important to note that once this is selected, it cannot be changed.
What information is required to apply for a Minsheng Bank card?
To apply for a Minsheng Bank savings card, you only need to bring your personal ID card and a small amount of cash to any Minsheng Bank branch.
The materials required to apply for a Minsheng Bank credit card are as follows:
1. Identity proof materials: copy of resident ID card or military officer's ID card; Mainland travel pass for Hong Kong and Macao compatriots and a certificate for more than one year Copy of residence certificate; foreigners only need to provide a copy of their passport and residence permit for more than one year.
2. Credit certificate: personal credit evaluation report issued by the People's Bank of China, etc.
3. Work certificate and income certificate materials: five insurances and one housing fund payment form or income certificate stamped with the seal of the work unit, bank statements, etc.
4. Other financial proof materials: academic qualifications, professional qualification certificates, personal real estate certificates, car driving license stocks, bonds, etc.
China Minsheng Banking (CMBC) is China's first national joint-stock commercial bank mainly initiated and established by private enterprises. It was officially established in Beijing on January 12, 1996.
The bank is mainly engaged in collecting deposits from the public, issuing loans, handling domestic and foreign settlements, and other businesses approved by the banking regulatory authority of the State Council.
It was listed on the Shanghai Stock Exchange on December 19, 2000 and the Hong Kong Stock Exchange on November 26, 2009.
On October 29, 2021, the third quarter report of 2021 released by Minsheng Bank showed that the operating income in the first three quarters was 130.635 billion yuan, and the net profit attributable to the bank’s shareholders was 35.487 billion yuan, respectively. Year-on-year declines were 8.85 and 4.93, but the year-on-year declines in operating income and net profit have narrowed compared with the first half of the year.
On December 17, 2021, China Minsheng Bank and China UnionPay signed a comprehensive strategic cooperation agreement and a strategic cooperation agreement for cloud QuickPass business. The two parties will further establish a long-term and effective cooperation mechanism for card issuance and acceptance business, and carry out comprehensive development in areas such as payment product innovation, construction of convenient scenarios, small and micro customer settlement, cross-border payment, joint marketing, joint risk prevention and control, and compliance with big data business. Orientation cooperation.
What procedures are required to apply for a VISA bank card at Minsheng Bank?
1. Conditions for applying for Minsheng Bank VISA credit card:
1. Be 18 years or older and have full capacity for civil conduct;
2. Have a good credit record Individuals,
those who meet the above conditions can apply for a credit card. Applicants may also apply for no more than two supplementary cards for their spouse or relative who has full capacity for civil conduct.
2. The following information is also required when applying:
1. Identity proof information: a copy of resident ID card or military officer ID card; if you are a compatriot from Hong Kong and Macao, you need to provide travel information to and from the mainland A copy of the pass and a residence permit for more than one year; if you are a foreigner, just provide a copy of your passport and a residence permit for more than one year.
2. Proof of work and income: Choose from salary certificate or business card and badge with photo.
3. Supporting materials for financial strength: copies of real estate certificates, car driving licenses, deposit receipts and other materials.
Extended information:
1. Minsheng Bank Visa all-currency credit card limit:
Credit limit: 10,000-50,000.
Withdrawal limit: 50% of the credit limit.
The credit limit is a credit certificate given to the customer by the credit review department of the card-issuing bank. Each person's credit limit is different from person to person.
2. Annual fee:
300 yuan/year, one foreign currency transaction is exempt from the annual fee for the following year.
Annual fee for supplementary card: 150 yuan.
China Minsheng Bank - Things to know when using the card
Minsheng Bank credit card application conditions
To apply for a Minsheng Bank credit card, you need to provide basic identity proof, work certificate and financial proof. The following basic conditions must also be met:
1. Age: between 18 and 65 years old, with full capacity for civil conduct;
2. Credit: the applicant’s personal credit Good, with no bad records on the credit report;
3. Assets: The applicant has a sustained and stable job and has the ability to repay the principal and interest of the loan on time. If he can provide proof of assets such as a real estate certificate in his name, he will Increase the likelihood of credit card approval.
For more information about the conditions for applying for a Minsheng Bank credit card, go to: View more content
What are the requirements for applying for a Minsheng Bank credit card? Introduction to the conditions for applying for a Minsheng Bank credit card
What are the requirements for applying for a Minsheng Bank credit card? Kabaobao will introduce it to you below, welcome to read.
Minsheng Credit Card Application Instructions
Application qualifications (application conditions include but are not limited to these, and are ultimately subject to review by the China Minsheng Bank Credit Card Center):
1. Applicants for the main card must be over 18 years old (foreigners, Hong Kong, Macao and Taiwan residents must be over 25 years old), and applicants for supplementary cards must be over 13 years old (children of non-main card applicants must be over 18 years old);
2. Applicants for the main card must have a legitimate occupation or stable income.
The reference documents for application are as follows:
1. Identity proof of main card and supplementary card applicants (required documents):
Domestic persons - resident status Copy of the permit;
Compatriots from Hong Kong, Macao and Taiwan—Mainland Travel Permit for Hong Kong and Macao residents, Mainland Travel Permit for Taiwan compatriots, and copies of residence endorsement or multiple-entry endorsement;
Foreigners—Foreigners A copy of the passport and residence permit or employment permit in China of the country where the person belongs;
Applicants for supplementary cards—copies of ID cards (applicants for supplementary cards who are under 16 years old and have not applied for an ID card must attach a household registration Copy of the book)/Passport/Mainland Travel Permit for Hong Kong and Macao Residents/Mainland Travel Permit for Taiwan Compatriots.
2. Main card applicant’s work certification documents
For example: the original official work certificate issued by the work unit, the original work badge or business card showing comprehensive information, showing the name of the unit, the applicant Name and social security/medical insurance/provident fund payment records in the past three months, etc.
3. Documents proving financial income
For example: bank salary record, income certificate issued by the unit, income tax withholding certificate, self-owned real estate certificate/house purchase contract/bank mortgage repayment The original or copy of the payment plan, driving license of your own car, deposit certificate from our bank and other documents.
4. Other credit certification documents.
That’s it for the introduction of what Minsheng Bank credit card requires.