1. Applicants must be full-time college students with full capacity for civil conduct.

2. Applicants cannot have student loans or other loans, and can provide copies of their ID cards and student ID cards.

3. The applicant’s school must be a card-issuing school that cooperates with the bank.

4. The applicant’s parents need to have stable jobs, and their monthly income can help the applicant repay the loan on time.

5. Applicants and parents must have good personal credit and no major default records.

6. Applicants must have excellent academic performance in school, abide by school rules and disciplines, and have no disciplinary record.

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The conditions for applying for a credit card for the first time are as follows:

1. Have full capacity for civil conduct;

2. Be at least 18 years old , the upper age limit is mostly 60 years old, and some banks are 65 years old, which needs to be considered based on specific requirements;

3. Have a stable career and income;

4. Personal tax Have good credit and no bad credit record;

5. Have the ability to repay principal and interest on time;

6. To apply for a platinum card, you need to be a high-quality customer of the card-issuing bank, or have an annual income that reaches the card-issuing bank’s level. requirements, or can provide sufficient proof of financial resources.

To apply for a credit card, you need to meet the qualifications and provide relevant materials. Only people over 18 years old can apply for a credit card, and they must have a fixed job and stable income to ensure their ability to repay principal and interest. The supporting documents include salary slips, property certificates (note: the more and more complete you provide, generally the larger the amount will be).

The three necessary conditions are to be over 18 years old, hold a valid ID card, and have no bad credit record. Basically, if these three conditions are met, applying for a credit card will not be a problem. A permanent job, proof of financial resources and other materials are required. It will increase your personal credit limit, but it is not an indispensable material. As long as you are over 18 years old and bring your ID card, you can go to the bank to apply for a credit card. Many banks also have online application channels. You don’t even need to go to the bank, just do it online! (It should be noted that college students are generally not allowed to apply!)

You can apply in the following two ways:

1. Go to the nearest Ping An branch counter to apply for a credit card.

Warm reminder: The information you must provide when applying for a credit card includes: proof of identity, work certificate and other real-name certification documents.

(1) Identity proof: including copies of legal and valid identity documents such as resident ID card, military officer ID card, passport or township ID card. If the temporary ID card is invalid, it must be accompanied by a household registration book to be a valid ID card. The effective date shall be the date when the application form is received by the Credit Card Center of the head office.

(2) Work certificate: including a copy of the work permit (plate) with the name of the unit and your name, a business card, and an original certificate issued by the unit’s personnel administration department (if multiple people apply, one of them must be the original )wait.

(3) Real-name certification documents: including social insurance policy, driving license, real estate certificate, utility bill, credit card from other banks, etc. Credit cards are reviewed and approved based on a comprehensive score based on the application information provided by the customer. It is recommended that in addition to providing valid proof of identity and employment, you should also provide relevant proof of financial resources (mainly including proof of real estate, vehicles, deposits, bonds, investment income, etc.), which is more beneficial. Credit card approval.

2. You can enter the Ping An Credit Card official website and select the corresponding card to apply.

Warm reminder: If you are applying for a Ping An Credit Card for the first time and successfully apply online, you need to bring your ID card and card to an outlet for card activation.

Credit card application process

After the user decides to apply for a credit card, he or she can apply for the credit card through bank branches, bank official website, or door-to-door credit card staff. The specific application process is as follows:

1. Apply for a credit card at a bank outlet:

After selecting the bank you want to apply for, you can go directly to the bank outlet with your ID card, and then inform the bank lobby manager that you If you need to apply for a credit card, the lobby manager will give you a credit card application form at this time. Fill in the information according to the requirements of the form, then take your number at the number-taking machine and wait for the counter to call your number. After your number is called, you can go to the counter and apply Submit the form and personal ID card to the staff, and the staff will process it for the user. After successful submission, just wait for the review result.

2. Bank official website processing:

Now each bank has its own official website. Users can visit the official website of their bank, then find the credit card section on the homepage, click to enter and select Please select the type of credit card you want to apply for, submit your application information according to the prompts on the page, and then wait for the review result.

3. Staff will come to handle the application:

Users can call the customer service number of the bank’s credit card center and inform themselves that they need to apply for a credit card and hope that staff will assist with the application. At this time, the bank will Corresponding staff will be arranged to handle the application. You only need to follow the staff's requirements and submit the application.