What are the requirements for applying for a credit card?

1. There are certain age requirements for applying for a credit card: you must have full civil capacity, that is, you must be 18 years old and above;

2 .Have legal and stable income and good credit;

3. Provide corresponding identification documents: copy of ID card or military officer's certificate;

4. Work certification documents. Some banks also require proof of income and financial resources. Proof of financial resources can include a copy of the real estate certificate, a copy of the motor vehicle driving license, a bankbook, etc. Anyway, the proof of financial resources depends on the individual's repayment ability, which is easier to handle;

5. The proof of residence can be a copy of the household registration book, or a certification document issued by the street, or other certification materials. This is easier to do;

6. There is also an application form for applying for a credit card.

Legal basis:

Notice of the People's Bank of China on matters related to credit card business: Bank card clearing agencies should work with card issuers and acquirers to strictly follow the relevant regulatory regulations on bank card business. Further improve the rules and technical standards for credit card transactions. Each card issuer and acquirer should truly reflect and accurately identify business types such as cash withdrawals, cash transfers, cash recharges, etc., completely transmit transaction information, and ensure the authenticity, completeness, traceability and consistency of transaction information in the payment process. , to facilitate card issuers to identify and judge risks and ensure the safety of credit card transactions.

Article 35 of the "Commercial Bank Law of the People's Republic of China": Commercial banks shall strictly examine the borrower's purpose of borrowing, repayment ability and repayment method when granting loans.

Commercial bank loans implement a separation of review and loan approval and a hierarchical review and approval system.

Article 36 of the "Commercial Bank Law of the People's Republic of China": For commercial bank loans, the borrower shall provide guarantee. Commercial banks should strictly examine the repayment ability of the guarantor, the ownership and value of the mortgage and pledge, and the feasibility of realizing the mortgage and pledge.

After review and evaluation by a commercial bank, it is confirmed that the borrower has good credit and is able to repay the loan, and no guarantee is required.

Article 37 of the "Law of the People's Republic of China on Commercial Banks": A commercial bank shall enter into a written contract with the borrower when granting loans. The contract should stipulate the type of loan, purpose of loan, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties deem necessary to agree upon.

How to apply for a personal credit card in five easy steps

Credit cards are divided into corporate cards and personal cards according to the different card issuers. Personal credit cards are applied for in the name of the individual and are responsible for the use of the card. Card type for all responsibilities. Many users who have never applied for a credit card may not know much about how to apply for a personal credit card. I will explain it to you in detail below.

The credit card application process is generally divided into five steps:

1. Application. The way to apply for a personal credit card is generally to fill in a credit card application form and submit certain relevant information to the bank as required. The relevant information is mainly the guarantee of a fixed occupation and a stable source of income (guarantee forms include personal guarantee, unit guarantee and personal financial guarantee). For example, if you are an employee working in a public institution, you need to prepare an income certificate and personal asset certificate issued by your leader to show your repayment ability;

2. Review. Review is the most important step in the personal credit card application process. After receiving the form and information submitted by the applicant, the card-issuing bank will conduct a multi-faceted investigation to determine whether to issue a card. Factors considered mainly include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The more detailed this information is, the stronger your repayment ability is, and the more willing the bank will be to apply for a personal credit card for you;

3. Open a card. The main process is to check the applicant by phone or online;

4. Authorization. The merchant and bank confirm that the credit card is valid and further confirm the cardholder's identity and the amount of money that can be used;

5. Use. Once your personal credit card is authorized, you can use it for consumption.

After reading this, do you feel that your questions about how to apply for a personal credit card have been solved? It is recommended that you apply for a card, or friends who are willing to apply for a card, try to provide more comprehensive and detailed information when applying for a card, and you can slightly organize and polish the information. In this way, the bank may increase your credit card limit to better meet your consumption needs. Click the credit card application channel to quickly open a personal credit card.

How to apply for a credit card as an individual

1. Application

In most cases, those with full capacity for civil conduct (citizens over 18 years old in mainland China) Citizens with certain direct financial resources can apply for a credit card from the card issuing bank. Sometimes, legal persons can also be applicants.

Applicants for credit cards 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 card 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 card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature. [8]

2. 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 processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand. The standards of each card-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 may reject it. .

3. Card issuance

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

4. Open a card

Since the card is sent by mail after the credit card application is approved, 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. Card opening is mainly done by phone or online. The relevant personal information provided during the application is checked. Once the information is met, the card opening process is completed. At this point, the applicant becomes the card holder and can officially start using it after signing on the back of the card. After opening a credit card, you generally need to set up a password for the card.

After accepting a credit card, a credit card merchant or bank must review the validity of the credit card and the identity of the cardholder.

5. Identification

The credit card must have at least the following information:

Front: name and logo of the issuing bank, credit card number (organization logo) and holographic anti-counterfeiting mark, name in English or Pinyin, activation date (generally calculated to month), validity date (generally calculated to month), the latest issued card is equipped with a chip on the front, and the chip account and the card magnetic stripe account are two relatively independent accounts.

Back: card magnetic stripe, cardholder signature field (signature required after activation), service hotline number, last four digits or all of the number (to prevent fraudulent use), credit card security code (on the back of the credit card) On the signature line, the three digits immediately following the last four digits are used for credit card activation, password management, television, telephone and online transactions, etc.).

6. Authorization

The merchant and bank confirm that the credit card is valid, contact the bank according to the contract signed with the card issuer, and request authorization. Authorization is to further confirm the cardholder's identity and the amount that can be used. Authorization is generally made when the usage amount specified in the contract is exceeded.

After receiving the authorization notice, the card-issuing bank will issue an authorization instruction based on the deposit balance of the cardholder's deposit account and the bank's agreement to allow overdraft, and reply whether it agrees to conduct the transaction.

7. Use

Credit cards are usually only used by the cardholder himself. Lending them to others is generally a violation of the use contract.

How to apply for a personal credit card

The first way to apply for a credit card is: the applicant goes directly to the bank counter to apply. If you apply at a bank, you must fill in the information directly. There are bank staff on site who can guide me in filling in the relevant information, which can avoid the problem of being rejected if the information is filled in incorrectly. At the same time, we can issue more qualification certificates and wealth certificates, which will help increase our final card purchase limit. However, the credit card review process at the bank counter will be relatively slow, because the information must be reported from the branch to the credit card center, and then the card center will review your information. Another way is to apply for a card online: Nowadays, when applying for a credit card, we can apply for it on the official website of the credit card. However, when applying for a credit card online, we have to fill in the information ourselves, which makes it easier to fill in the information incorrectly. was dismissed. However, online application is mainly convenient and you don’t have to go out. You only need a mobile phone or a computer to apply. There is another way to apply for a credit card: that is to apply for a credit card through the bank's credit card clerk. We often see these bank staff setting up stalls in shopping malls or other stores to promote credit card applications. This method of applying for a card allows you to receive prizes, but since they are all business personnel, their main purpose is to obtain performance, so we still have to carefully consider things that guarantee a high limit and ensure the card is issued, and not to believe too much. The process of applying for a credit card 1. Prepare the application materials. 2. After the materials are ready, you can go to the bank to apply or make an appointment online. 3. Then wait for the bank's approval. During the approval process, the bank will call the applicant to verify the information. 4. After the approval is passed, the bank will mail the card to the applicant. It will take about 3 weeks to get the card after successfully submitting the information. "Legal basis: Credit card business is a civil act. The General Principles of Civil Law, Contract Law, Criminal Law, People's Bank of China Law, Commercial Bank Law and other laws have principled provisions on credit card business. Chapter 5 of the "People's Bank of China Law" states that the People's Bank of China examines and approves the establishment, change, termination and business scope of financial institutions in accordance with regulations. Article 3 of the "Commercial Bank Law" has 13 items in its business scope. Credit goes to school. Businesses falling under Item 13 and other businesses approved by the People's Bank of China are invalid and subject to corresponding criminal liability.

How do individuals apply for a credit card? What are the requirements for applying for a credit card?

How do individuals apply for a credit card?

Nowadays, the use of credit cards is becoming more and more common, and all major banks have launched There are many types of credit cards, and different types of credit cards have different characteristics. So how do you apply for a credit card that suits you? What are the requirements for applying for a credit card?

The process of applying for a credit card:

1. Choose the bank where you want to apply for a credit card. Currently, all major banks have launched credit card services. Before applying for a credit card, you can go to the bank of each major bank. Check the official website for the detailed information of the credit card. Generally, those who like shopping can choose shopping credit cards, such as Taobao credit cards. Those who like to travel can choose airline co-branded credit cards. Those who own cars can choose car owner cards. Users can choose the appropriate one according to their own circumstances. Credit card type;

2. After selecting the bank and credit card type, apply to the bank. Currently, you can apply for a credit card through a bank outlet or directly on the bank’s official website;

3. Fill in the application information. If applying online, users should fill in the credit card application information according to the website prompts. Generally, they need to fill in basic personal information, work unit, position, income and other information. The more detailed the information, the better. Submit the application after completing the filling;

4. Wait for the bank to review. Users can check the progress of card application through the bank's official website or customer service hotline;

5. After passing the review, the bank will make a card and then mail the credit card to the work address or residence filled in by the applicant when applying for a credit card. Address;

6. After receiving the credit card, activate the credit card and set a password, and then you can use it.

What are the requirements for applying for a credit card?

Credit cards are actually bank credit products. Due to risk considerations, banks will review applicants and only qualified users will have the opportunity to apply. When applying for a credit card, you usually need to meet the following conditions when applying for a credit card:

1. The applicant is 18-65 years old, has full capacity for civil conduct, and needs to provide a valid identity document;

2. Applicants must have a stable job and income, and can provide proof of employment;

3. Have a good personal credit record and no bad credit records.

These three points are the basic conditions for applying for a credit card. Usually the applicant also needs to meet the conditions specified by the bank. If the credit card applied for is a gold card or platinum card, the bank's requirements will be higher accordingly.

How to apply for a personal credit card

To apply for a credit card, you need to submit an application form and some personal information (proof of identity and financial resources, etc.). If you have a copy of the real estate certificate or driver's license and a bank deposit receipt /A copy of your passbook may help increase your credit limit.

Among them, the required materials include: copy of ID card, income certificate/work certificate. Some banks may also require you to provide professional title certificates, real estate certificates and other materials. If the company can apply for the card as a group, the conditions may be relaxed. Generally, in addition to a copy of the ID card, only a copy of the work permit/plate is required.

You can obtain the application form at each bank's business branch, download it from the bank's credit card website, or call their customer service hotline to obtain it. Just fill out the application form and send it to the credit card center together with proof of identity, employment certificate and other materials. Generally, you can check the application progress on the website or by phone after 7 to 10 working days. We remind you to consider whether there are branches nearby when applying for a credit card.

1. Bank repayment methods

1. For equal repayment of principal and interest, add the interest generated by the borrower during the loan period and the total amount of the loan principal, and then divide it equally into each months, with the same amount of funds repaid every month.

2. For equal principal repayments, the borrower repays an equal amount of principal every month. The loan interest is calculated based on the remaining principal, and the interest is reduced period by period.

3. One-time repayment, the principal and interest of the loan will be paid off in one time within the specified repayment time.

4. Repay in advance, apply to repay the remaining part of the arrears or the full amount of the arrears before the loan period expires.

2. Pay attention to mortgage repayment

1. Pay attention to changes in monthly payments. Friends who have purchased a house with a loan should not think about depositing a fixed amount of repayment on time every month. That's it, this idea is incorrect, because you also need to pay attention to whether there are changes in the bank's base interest rate. Once the bank's base interest rate changes, the monthly payment will also change accordingly. Therefore, sometimes the monthly payment may increase in a certain month. If you are not prepared in advance and fail to pay, it will be judged as overdue repayment, which will have a great impact on your credit.

2. Pay attention to bank card transfers. Currently, there are new regulations and changes in this method of bank card transfers. You must be careful when using this method to repay. Some friends will pay attention before the transfer date. Deposit the house payment into the repayment account through bank transfer, but buyers should note that if the amount is too large, it may not be received in real time. Therefore, when you transfer money to a mortgage bank card, if the amount is too large, it is best to transfer the money in multiple batches to ensure that it can be received in real time to avoid overdue loan repayments.

3. Be careful about breaking the loan. After applying for a mortgage, the home buyer must repay the loan on time. This is very important. Nowadays, the loan repayment time is very long, ranging from twenty years to as long as For thirty years, many people may have some financial problems during this period. But no matter what kind of problems you have, you cannot choose to cut off the payment without money, because the bank will have very serious penalty rules.

This concludes the introduction to applying for a personal credit card and how to apply for a personal credit card. Have you found the information you need?