1. Applicants should be 18~60 years old (foreigners are 25~60 years old), have certain economic ability and have a good credit record.
2. The applicant for supplementary card is over 14 years old (inclusive), and the principal cardholder can apply for supplementary card for immediate family members (parents, spouses or children).
China Merchants Bank's credit card application conditions are relatively relaxed. If you want to apply for a higher credit limit, you can prepare some financial proof materials after completing the online application, which can be salary records issued by banks, income tax withholding certificates (tax payment certificates), or documents that can prove your financial level, such as houses, cars, deposits, investment market value certificates, etc. The real estate license must have the name of the person or spouse and the relationship certificate; My name must be on the car registration card.
Extended data:
Whether a bank approves a credit card mainly depends on the applicant's credit status, repayment ability and personal assets. At the same time, it will also be considered according to the amount of cards issued by the bank in the current year, the remaining credit line, the credit balance payable, and the non-performing rate of credit cards.
At present, the central bank stipulates that bank counters can check personal credit records twice a year for free, and the third time they charge 25 yuan each time. You can also check online, free of charge, but it is relatively troublesome and delayed. Both will leave a record.
The records found at the counter of commercial banks are listed in detail in the report, including time, subject and operator. For Internet inquiries, the number of inquiries this year is marked at the end of the report. If you check the credit report many times, the bank will think that the applicant is in urgent need of funds and the potential default risk is high.
China Merchants Bank official website-What are the credit card application conditions?
People's Daily Online-N reasons for the rejection of credit card applications.