1. There are certain age requirements for processing credit cards, and they must have full capacity for civil conduct, that is, 18 years of age and above;

2. Have legal and stable income and good credit;

3. Provide corresponding identification documents, copies of ID cards or military officers' cards;

4. Work certificate. Some banks need to provide proof of income and financial resources. Proof of financial resources can include a copy of real estate license, a copy of motor vehicle driving license, passbook, etc.;

5. The proof of residence can be a copy of the household registration book, a proof issued by the street, or other proof materials;

6. Application form for applying for a credit card.

customers who apply for credit cards can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China. Each unit can get a main card and several (5-1) supplementary cards when applying for a credit card. 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.

the text of the credit card application materials printed by the issuing bank shall at least include the following elements:

1. Applicant information. Number, applicant's name, valid ID name, ID number, company name, company address, residential address, billing address, contact phone number, contact name, contact phone number, contact verification information and other verification information;

2. contract information. Receiving contract (agreement), credit card articles of association, important tips, notification method of contract information change, etc.;

3. Expense information. Main charging items and charging levels, charging information inquiry channels, and notification methods of charging information changes, etc.;

4. other information. The credit card held by the applicant and its credit line, the applicant's statement, the applicant's confirmation column and signature column, the service telephone number and bank website of the issuing bank, and the complaint channel.

Legal basis: Article 43 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks

For customers who apply for the bank's credit card for the first time, credit cards shall not be issued by automatic card issuance in the whole process.

Credit card applicants should be strictly examined and strengthened in risk prevention and control under the following circumstances:

(1) Relevant suspicious information or criminal records are left in the identity information system;

(2) There is no credit record in the credit information system;

(3) having bad records in the credit information system;

(4) There are many credit records of bank loans or credit cards in the credit information system;

(5) The business travel card and business purchase card are handled by the company;

(6) Risk information obtained from other channels.