In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

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.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank.

Extended data:

If there is a mortgage loan to buy a house, it must be on the credit report. If there is no mortgage, people who have no room to rent can pack up and buy a house in full. Address: local middle and high-grade residential area. Mortgage and monthly payment can be omitted as long as they are not in the bank.

Personal income: according to age, working hours and local average wage level, it can be above average. Too low, low score, but too high income, lack of authenticity, we must master the degree.

Employment: if there is a fixed work unit, fill in according to the real situation. For those who have no unit, refer to the grading standards and package them to state-owned enterprises, institutions or large companies. For some high-risk industries, banks are relatively exclusive. For example, public security organs, financial practitioners, drivers, bar KTV entertainment, real estate agents, sales, insurance, direct sales and so on. Should be avoided as much as possible.

Baidu encyclopedia-credit card