At least 18 to 70 years old, with stable income and good credit, you can apply for a credit card. Summarized the card handling methods of the following banking channels:

1. Get a card through a bank outlet. Bring the original ID card, proof of work income (usually including: company work permit, employment certificate, salary card flow (preferably more than 3 months), tax bill, social security bill, provident fund bill for the last 3 months, etc. Not all of them are needed, but they can be). If you can attach some financial certificates, such as real estate, automobile production, bank time deposit certificate, financial management, etc. It will be very helpful to get the card.

2. Bank official website online application.

3. Mobile banking.

4. Online banking.

5. Official WeChat official account. (It must be official ~)

How do I apply for a credit card?

First, there are two main conditions for applying for a credit card:

1, age requirement: 18-60 years old;

2. Have a stable job and income source.

Second, the materials and certificates that need to be provided when handling:

1. Domestic residents only need to provide: a completed and signed application form, identity certificate, residence certificate and income certificate;

2. Foreigners and Hong Kong, Macao and Taiwan people also need to provide: a foreigner's residence permit (the reason for residence must be employment) or a foreigner/Hong Kong, Macao and Taiwan people's employment permit;

3. If it is a private owner, in addition to the above information, a copy of the industrial and commercial business license showing the name of the applicant, the name of the enterprise and the opening date shall also be provided.

Third, the maximum overdraft limit of credit cards.

1. The maximum overdraft limit of a credit card refers to the maximum use limit given to the applicant by the bank when approving the credit card. Applicants can only spend credit cards within this limit. If this amount is exceeded, they will spend by credit card irregularly, or charge a certain fee for the part that exceeds the amount.

2. In China, different banks and different grades of credit cards increase the amount differently. Under normal circumstances, the upper limit of ordinary credit cards and gold cards is generally 50,000 yuan. Holders of the Jinpu Card cannot continue to increase the quota if the quota has been increased to 50,000. If you want to get a higher credit card, you must apply to the bank for a platinum card and a credit card with a platinum level or above, and the amount ranges from 6,543.8+million to 6,543.8+million.

Extended data:

Credit card overdraft is a short-term overdraft given by the credit card issuer to the cardholder within the prescribed limit when shopping with the card. For credit cards, it is allowed to "consume first, then repay", and overdraft is an important feature. For debit cards, it should be "deposit first, then spend", but on the premise that it is recognized as goodwill overdraft and repayment is guaranteed, the cardholder is also allowed to overdraw an appropriate amount in a short time when the money is urgently needed.

The longest overdraft period of a credit card is 60 days. Credit card overdraft interest shall be charged at the rate of five ten thousandths of daily interest within 15 days from the date of signing the contract or the date of bank entry (inclusive), and at the rate of five ten thousandths of daily interest after 15 days, and at the rate of fifteen thousandths of daily interest after 30 days or when the overdraft amount exceeds the prescribed limit. The overdraft interest is not divided into sections, and the interest is calculated according to the highest interest rate grade or the highest overdraft amount.