1, most banks will do. Citizens with full capacity for civil conduct (Chinese mainland/KLOC-citizens aged 0/8) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants. Such as: CITIC Bank Taobao Card and Guangfa Bank True Love Card. 2. The object of applying for a credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee. 3. The application method is generally to fill in the credit card application form. The contents of the application form generally include the applicant's name, basic information, economic status or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph. After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's reputation. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor. Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them. Precautions When handling a credit card, you should pay attention to the annual fee, billing date and repayment period of the credit card. 1. The credit card billing date means that the issuing bank regularly summarizes and settles all transactions and expenses of your credit card account in the current period every month, calculates the total amount of the current debt and the minimum repayment amount, and mails the statement. This date is the billing date of the credit card. 2. The due date of credit card repayment refers to the latest date when the credit card issuing bank requires the cardholder to return the payable amount. In other words, after the issuing bank issues the bill, you should pay off all the expenses you have consumed before the due repayment date. Refer to Baidu Encyclopedia-Credit Card (Application)