Directly apply for a credit card with a limit of 10,000, and wait for the card to be approved if you meet the conditions.

Bank credit card application conditions:

①Age requirements: Domestic residents must be between 18-65 years old, and foreigners must be between 25-65 years old;

②Job requirements: Have a stable workplace, income and fixed residence;

③Credit requirements: No bad credit record. Applicants for supplementary cards must be the parents, spouse or children of the primary cardholder and be between the ages of 16-65.

Bank credit card application materials:

① Identity certification materials:

Copy of resident ID card or military officer ID card; if you are a compatriot from Hong Kong and Macao, you need to provide Mainland pass and a copy of the residence permit for more than one year; if you are a foreigner, just provide a copy of your passport and residence permit for more than one year.

②Proof of work and income:

Salary proof or business card or badge with photo.

Proof materials that can prove that you have good financial strength: a copy of the real estate certificate, a copy of the car driving license; a copy of the bank loan account (with good credit, overdue no more than 60 days) or deposit certificate.

1: It is easier to apply for a Bank of Communications credit card (you only need an ID card + business card or work certificate). If you have a car, a house and a mortgage, the mortgage limit will be greatly increased.

2: The repayment fee depends on what you mainly use it for. Installment (different banks charge different handling fees) or cash withdrawal (banks all charge an interest rate of 5/10,000 per day, but the handling charges vary). . Or swipe the card (there is an interest-free period for swiping the card).

In fact, each bank now charges different handling fees for credit card installment payments. Here we have made the following statistics to facilitate your choice!