1. All China citizens, foreigners with the right of abode in China and compatriots from Hong Kong, Macao and Taiwan who have reached the age of 18, have full capacity for civil conduct and have a legally stable income can apply for BOC credit cards locally.

2. Users can apply for supplementary cards for their immediate family members (including children, spouses and parents) who are over 16 years old. The information to be provided includes the ID card of the supplementary card applicant and a copy of the household registration book.

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Matters needing attention in using credit card

In order to avoid being charged by the bank, some cardholders turn to the bank to apply for a temporary increase in overdraft limit, the increase rate is mostly 10%-20%, and the term is usually 1 month. After the specified time, the credit card was restored to the original limit. Therefore, cardholders must remember the term of the temporary limit to avoid the phenomenon of overdue repayment of credit cards.

In addition, we should also pay attention to the problem of temporary increase in over-limit: if overdraft is used in the second half of the month, it is likely that the excess will result in over-limit fees. For example, A's credit card overdraft is 50,000 yuan, and he applied to the bank to increase the temporary line of 30,000 yuan on February 20th 15, but this 30,000 yuan was not used until June 15.

Baidu encyclopedia-credit card

People's Network-Don't apply for credit cards excessively, and the total amount should not exceed half a year's income.