To apply for a credit card, you need to meet the following conditions:

1. The applicant must be over 18 years old;

2. The applicant should have a job and a stable job Income;

3. The applicant's personal credit report should meet the requirements of the credit card center;

3. The applicant should have a fixed place of residence.

What is the process for applying for a credit card?

The process for applying for a credit card is:

1. The party concerned applies to the bank;

2 , review; after the bank receives the application form and relevant materials submitted by the applicant, it will review the applicant's creditworthiness;

3. Card issuance; after the applicant successfully applies for a credit card, the card-issuing bank will The cardholder opens a separate credit card account at the card-issuing bank;

4. Open the card; check the relevant personal information provided during the application by phone or online, and complete the card opening process once it meets the requirements.

Legal basis: Article 7 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks"

The term "credit card" as mentioned in these Measures refers to a credit card that records relevant information about the cardholder's account and has a bank credit limit and Overdraft function, and various media that provide cardholders with related banking services.

Article 17

When a commercial bank applies to open credit card business, it shall meet the following basic conditions:

(1) The company has good corporate governance and the main prudential supervision indicators comply with According to the relevant provisions of the China Banking Regulatory Commission, it must have an organizational structure and rules and regulations that are suitable for business development, and the internal control, risk management and accountability mechanisms are sound and effective;

(2) It has a good reputation and has a complete and effective internal control mechanism. and case prevention and control system, and there have been no major violations of laws or regulations or major malignant cases in the past three years;

(3) Have directors, senior managers and qualified practitioners who meet the qualifications for office. The senior managers shall have at least one person with professional knowledge and management experience in the credit card business, have the necessary technical personnel and management personnel to carry out the credit card business, and fully implement hierarchical authorization management;

(4) Have Business premises, related facilities and necessary information technology resources that are suitable for business operations;

(5) A business system that complies with laws, regulations and business management requirements has been established within the country, and has the ability to protect relevant business system information Technical capabilities for safety and operation quality;

(6) Those who open foreign currency credit card business shall have the foreign exchange settlement and sales business qualifications approved by the foreign exchange administration department of the State Council and the foreign exchange business qualifications approved by the China Banking Regulatory Commission (or foreign exchange business qualifications). Business scope);

(7) Meet other prudential conditions prescribed by the China Banking Regulatory Commission.