1. The applicant shall be an organ, enterprise, institution, foreign-funded enterprise and individual industrial and commercial household with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed.

2. 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.

How to apply for a credit card:

1. The application method is generally to fill in a credit card application form. The contents of the application form generally include the applicant's name, basic information, economic status or income source, guarantor and its basic information.

2. Submit copies of certain certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.

The application form is accompanied by a credit card contract. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

Extended data:

Guidelines on Risk Control and Safety Management of Bank Card Business require:

1. Relevant information shall be fully disclosed to cardholders, business risks shall be revealed, and corresponding complaint handling mechanism shall be established and improved. For example, in credit card application and interest collection, the issuing bank is required to fully disclose the interest collection rules, annual fees, late fees, over-limit fees and other charging methods to the applicant.

2. In the credit management of credit card, it is clear that the issuing bank can only provide credit card service once in a billing cycle after the cardholder opens the credit card service.

3. For the customer who applies for the first credit card, the issuing bank shall personally come to the door to sign the bill for the customer, and shall not use the whole process of self-service card issuance.

4. Before issuing student credit cards, the issuing bank must determine the second repayment source and obtain the consent of the second repayment source (parents, guardians or other managers).

5. The acquiring institution shall collect settlement fees from the special merchants in accordance with relevant regulations, and shall not pass the settlement fees on to the cardholders in disguise.

Baidu encyclopedia-credit card

Baidu Encyclopedia-Guidelines for Risk Control and Safety Management of Bank Card Business