No problem, you can apply for it, especially if you have a mortgage loan in the bank, it means that you have real estate, which can give you a higher credit limit.

Credit card application conditions:

1. Aged 18 and below 65 years old;

2. Second-generation ID card required;

3. Proof of employment and income stamped with the financial seal of the unit;

4. No bad credit record;

5. Other proof of financial resources, such as real estate, cars , stocks, bonds, etc.

Extended information:

Card application process:

1. Application

In most cases, people with full capacity for civil conduct (Mainland China Citizens who are over 18 years old in the area) and have certain direct financial resources can apply for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country.

Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc.

And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

The application form is accompanied by a credit card use contract. The applicant authorizes the card issuer or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card issuer's privacy protection policy, etc., and must have an application. A person's autograph. ?

2. Review

After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes application

3. Whether the contents of the credit card application form are true. The creditworthiness of the applicant must be assessed, and the guarantor must be reviewed for individuals. relevant circumstances.

Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand.

The standards of each card issuing bank are also different. Therefore, the same material may be issued with different credit limits in different banks, different types of credit cards, and some banks may even approve it, but Some banks may refuse to issue it.

4. Card issuance

After the applicant successfully applies for a credit card, the card issuer will open a separate credit card account for the cardholder at the card-issuing bank for shopping, consumption and cash withdrawal. Settlement.

5. Open a card

Since the card is sent by mail after the credit card application is approved, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from fraud losses, the credit card has set up a card opening procedure before it is officially launched. Card opening is mainly done by phone or online. The relevant personal information provided during the application is checked. Once the information is met, the card opening process is completed.

At this point the applicant becomes the card holder and can officially start using it after signing on the back of the card. After opening a credit card, you generally need to set up a password for the card.

After accepting a credit card, a credit card merchant or bank must review the validity of the credit card and the identity of the cardholder.

6. Identification

The credit card must have at least the following information:

Front: name and logo of the issuing bank, credit card number (organization logo) and holographic anti-counterfeiting Mark, card number, name in English or Pinyin, activation date (generally calculated to month), validity date (generally calculated to month), the latest issued card has a chip on the front, and the chip account and the card magnetic stripe account are two relatively independent accounts .

Back: Card magnetic stripe, cardholder signature field (must sign after activation), service hotline number, last four digits of the card number or the entire card number (to prevent fraudulent use), credit card security code (on the credit card On the signature line on the back, there are three digits immediately following the last four digits of the card number, which are used for credit card activation, password management, TV, telephone and online transactions, etc.).

7. Authorization

The merchant and bank confirm that the credit card is valid and contact the bank according to the contract signed with the card issuer,

8. Credit card

< p>Request authorization. Authorization is to further confirm the cardholder's identity and the amount that can be used. Authorization is generally made when the usage amount specified in the contract is exceeded.

After receiving the authorization notice, the card-issuing bank will issue an authorization instruction based on the deposit balance of the cardholder's deposit account and the bank's agreement to allow overdraft, and reply whether it agrees to conduct the transaction.

9. Use

Credit cards are usually only used by the cardholder himself. Lending them to others is generally a violation of the use contract.

10. Cancellation

Before canceling a credit card, the account balance must be cleared. The entire process of canceling the card must be completed within 45 days after the application is submitted.

Baidu Encyclopedia--Mortgage

Baidu Encyclopedia--Credit Card