The first thing you need to know is that it is not difficult to apply for a credit card, as long as it meets the requirements of the bank, it is easy to do.

General credit card application conditions are: 1, at least 18 years old; 2. Have a stable repayment ability.

In order to control risks, banks attach great importance to the repayment ability of cardholders. You must submit materials that make the bank feel that you have enough repayment ability. The stronger the repayment ability, the easier it is for banks to issue cards.

Materials required for first-time credit card application:

1. Identity information: copy of resident ID card or military officer's card; If you are a Hong Kong and Macao compatriot, you need to provide a copy of your mainland pass and residence certificate for more than one year; If you are a foreigner, you can provide a copy of your passport and residence permit for more than one year.

2. Work and income certificate: salary certificate or business card or photo badge. Proof materials that can prove that you have good economic strength: copy of real estate license and copy of automobile driving license; Copy of bank loan account (good credit, overdue for no more than 60 days) or deposit certificate.

For example, you can provide some information similar to the following: a copy of the daily account of the savings account in the past three months; Original proof of asset balance for opening a wealth management account; A copy of the property ownership certificate (including my name), and a copy of any water, electricity and coal invoices of the property in the past three months; A copy of my driving license, etc. The more materials like this, the better, because the more financial proof, the higher your success rate in applying for a credit card, and the higher your credit card quota.