To apply for a credit card, you need to meet the following three conditions:

1. Age requirement: Generally, you are a citizen who is over 18 years old, and you need to submit your identity document for proof.

2. Have stable repayment ability: You are generally required to provide proof of employment and income. In order to increase the application success rate and credit limit, it is generally recommended to provide proof of owned property, owned vehicle, bank Proof of assets, etc. Each bank has different standards for issuing cards. It depends on the bank's requirements.

3. Good credit status: This means that you have no bad credit record. The bank will check this condition on its own.

Credit card application process:

Credit card applicants can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the issuing bank's privacy protection policy, etc., and must have the applicant's signature.

Information

(1) Information of the principal cardholder.

(2) Supplementary card applicant information.

(3) Guarantor’s information.

(4)Other information.

(5) Statement and signature of the principal card applicant and supplementary card applicant.

(6) Bank special column.

Review

After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. For the applicant, the creditworthiness of the applicant must be assessed. For individuals, the relevant circumstances of the guarantor must also be reviewed.

Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of issuance review are commercial secrets and are generally difficult for outsiders to understand. The standards of each issuing bank are also different. Therefore, the same materials may be issued with different credit limits and different types of credit cards in different banks. Some banks may even approve the application while others refuse to issue it. Condition.

Card Issuance

After the applicant successfully applies for a credit card, the issuing bank will open a separate credit card account for the cardholder at the card-issuing bank for settlement after shopping, consumption and cash withdrawal.

Card opening

Since the credit card application is sent by mail, etc., there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from fraud losses, the credit card has set up a card opening procedure before it is officially launched. Opening a card is mainly done by phone or online