1. At least 18 years old;

2. Urban and rural residents who have a fixed occupation and stable income and work in the place where their permanent residence is located;

3. Fill in the application form and sign it in person at the "Signature of the Applicant". Meanwhile, we need to provide the following information when applying for a credit card:

1. Copies of ID card, work certificate, income certificate, etc.

2. Provide bank deposit certificate, property certificate, degree certificate, etc. ;

3. If a person is registered in a foreign country, an overseas person applies for a job locally, and an active officer applies for a credit card in his own name, some card-issuing banks may require temporary accounts issued by the local public security department or certificates (including work certificates) issued by relevant departments.

It is worth noting that credit card applications are comprehensively evaluated by the system, and there are many reference factors, such as age, job stability, income, personal credit, etc., which are not determined by unilateral factors. Everyone's situation will be different, and it is difficult to compare with each other.

Only through the comprehensive evaluation of the system and the judgment of the credit line. Detailed application materials are as follows:

1. Work certificate: it can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and affix the company official seal or personnel seal), or a copy of the work permit \ card verified and marked by the sponsor;

2. Proof of financial resources: it can be a payroll issued by a bank, or a certificate of income tax withholding, or a document that proves the market value of a house, a car, a deposit, an investment, etc. (such as a copy of the real estate license/car driving license/bank time deposit certificate) and other materials that can prove the financial level. Other documents for reference include: personal account list of social insurance in the last 6 months, water, electricity and gas bills, credit card bills of other banks, etc.

In addition, the additional requirements for handling credit cards are:

1, academic certificate. Education level will affect the credit card limit. Generally speaking, the higher the educational background, the higher the number of places.

2. Personal credit information. Personal credit information is very important for applying for a credit card. Only when the credit record is good will the bank allow the application.

3. Proof of assets. It is easier to apply if the applicant has assets such as a house and a car that can prove repayment ability.

4. Social security card. The applicant's work unit is good, and it is relatively easy to pay social security and apply for a card.

5. Credit cards and running water from other banks. Without social security, the applicant can also show his bank account or credit card and prove his repayment ability.

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Credit card, also called credit card. It is a non-cash transaction payment method and a simple credit service. A credit card is a credit certificate issued by a commercial bank or a credit card company to eligible consumers. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits. The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standard for public services was formally implemented, and the English names of credit cards were specified.