What are the requirements for applying for a credit card?

The basic function of a credit card is to allow consumption overdraft. When people go shopping in shopping malls, they don’t need to bring cash or debit cards, they can just swipe the credit card directly, and Credit cards have an interest-free period, and cardholders can consume first and repay later. Use of credit cards will bring convenience to people's lives, but not everyone can apply for a credit card, and banks also have application thresholds.

To apply for a credit card, the applicant needs to meet the following conditions:

1. The age of the applicant needs to meet the requirements. To apply for a credit card, the user must be at least 18 years old. The bank There are also requirements for the maximum age, which generally cannot exceed 60 years old. Some banks have relaxed the maximum age to 65 years old;

2. The applicant holds a valid identity document and is a legal citizen of China;

3. The applicant has a stable job and income;

4. The applicant has a good personal credit record;

5. The applicant can provide some proof of financial resources, such as Real estate, vehicles, deposits, stocks, etc.;

6. Applicants can provide proof of social pension insurance;

7. In addition, users also need to provide two contacts;

8. Meet other conditions stipulated by the bank

Generally, there are several conditions that need to be met to apply for a credit card. One to four are the necessary conditions for applying for a credit card. If any one of them does not meet the requirements, you will be disqualified. It is possible to be rejected. Five to seven application conditions will increase the success rate of applying for a credit card. Generally, if you want to apply for a higher-level credit card, it is recommended that users submit 5-7 supporting materials.

How to apply for a credit card

Users who meet the above conditions can bring their valid identity documents, proof of work, proof of income, proof of financial resources and other information to apply for a credit card at a bank branch. People need to fill in the credit card application form and hand it to the bank staff after filling it out. The bank will then review the application information submitted by the applicant and the applicant's personal credit report. After passing the review, the bank will issue a card and then send it by registered mail. Or send the credit card by courier to the card collection address filled in by the applicant. Generally, this process takes about 20 days. Users who get the credit card only need to activate the credit card before it can be used. Users can activate it at the bank counter. , you can also activate your credit card by calling the bank's customer service hotline.

What are the requirements for applying for a credit card?

As we all know, individuals who are 18 to 65 years old, have full capacity for civil conduct, have legal and stable sources of income, and have good credit can apply for a credit card. You can apply for a credit card. But whether the card can be successfully approved in the end depends on the person. From the mouths of many card gods, we know that these five types of people are more likely to be approved for credit cards.

When banks approve credit cards, they will score them based on the applicant's qualifications. The higher the score, the easier it is to approve the card. Generally speaking, applicants who meet the following characteristics will not have a very low score.

1. Have a sustained and stable income

In other words, a stable job. Whether the job is stable and whether there is income can reflect whether the applicant has the ability to repay the loan. However, each bank has different views on this income stability.

For example, for the four major state-owned banks, for them, those with stable jobs are generally employees of public institutions or state-owned enterprises, or employees of Fortune 500 companies. The jobs of these people are quite stable. , the income is also higher than ordinary people, and the repayment ability cannot be underestimated.

But for joint-stock commercial banks, as long as there is a job, income, and working hours of more than 3 months, it is equivalent to stability. Generally, they are not very picky about the applicant’s work unit, as long as If you are not a person in a high-risk occupation, it is still relatively easy to get stuck.

2. People with large deposits in the bank

People who have large deposits of more than 50,000 in the bank are generally high-quality customers of the bank. In the eyes of the bank, these people have deposits. , so there is no need to worry about their repayment ability. In addition to applying for credit cards on their own initiative, such people will also be invited by banks to apply for cards.

So, if you want to apply for a credit card from a certain bank, it is also a common method to open an account at that bank and save money to buy financial products.

3. College students and other highly educated groups

In fact, China Merchants Bank was the first to open the credit card market for college students. At least before 2010, when college students first came into contact with credit cards, only China Merchants Bank China Construction Bank approves cards for college students.

So, if you are a college student, it is generally easier to apply for credit cards from these two banks.

4. Have a mortgage loan in a bank

If you have a mortgage loan from a bank, it is easy to apply for its credit card, and the limit is at least 10,000. If you want to apply for a state-owned credit card For credit cards from the four major banks, you can try this method.

Some cardholders reported that they got a mortgage from China Construction Bank, applied for a CCB credit card online, and got a gold card with a limit of 10,000 yuan.

Of course, these four situations do not necessarily mean you can apply for a credit card. These are just common situations.

If you want to apply for a credit card quickly, the second one among the three situations that is most likely to meet the conditions is that you have a deposit in the bank. As for how much deposit each bank requires, it is recommended that it be more than 50,000. , after all, banks do not look down upon deposits below 50,000.

What are the conditions for applying for a credit card?

1. Main card applicant: 18-60 years old or above;

2. Supplementary card applicant: 18 years old or above 16 years old and capable of civil conduct;

3. Apply for a regular credit card: annual salary before tax is 24,000 yuan; apply for gold card: annual salary before tax is 80,000 yuan;

4. Applicants for retirees and housewives: with an annual income of 24,000, they must provide proof of their own properties or vehicles;

After meeting the above conditions, they also need to submit corresponding supporting documents.

Different banks and different types of credit cards have different requirements for applicants. However, no matter what kind of credit card you apply for, applicants need to meet the following conditions:

1. Application The person must be 18 years old and have full capacity for civil conduct. In addition, banks have a maximum age limit for credit card applicants. Some banks stipulate that the maximum age of applicants is not more than 60 years old, and some banks stipulate that the maximum age of applicants is not more than 65 years old;

2. The applicant has a stable job and sustainable financial resources;

3. The applicant’s personal credit report has no bad records such as overdue credit.

The above conditions are the basic conditions for applying for a credit card. Usually, if you meet these basic conditions, you will have the opportunity to apply for a regular credit card. However, if you want to apply for a higher-level credit card, the applicant still needs to meet bank regulations. Other conditions, such as the amount of bank deposits required, etc. The specific conditions are subject to bank regulations.

For those who need a credit card, when we apply for a credit card, we also need to prepare the relevant information for applying for the credit card in advance.

Credit card identity certificate is an essential document. Secondly, the credit card application form must be filled in. When filling in the credit card application form, applicants should pay attention to writing as high an income as possible, in addition to their own salary. In addition to income, other incomes such as year-end bonuses and investment income are also included, because the higher the income level, usually the credit card limit applied for will be higher. Of course, we cannot exaggerate too much, and we must fill it out truthfully, let alone provide false information. Once the bank discovers that we have provided false information, it can easily lead to the rejection of your credit card application.

In addition, when applying for a credit card, you need to provide proof of employment, financial resources and other information. Applicants can provide bank salary records, bank deposits, real estate, vehicles and other financial level information. Generally, the stronger the financial level, then The more conducive it is to apply for a high-limit credit card.

This is the end of the introduction about what are the conditions for applying for a credit card and what are the basic conditions for applying for a credit card. Have you found the information you need?