What are the requirements for opening a credit card?

Legal analysis: Generally speaking, the conditions for opening a credit card are:

1. Be over 18 years old and have full legal qualifications. Capacity for civil conduct;

2. Have legal and stable income and job;

3. No bad personal credit record.

As long as users meet the above application conditions, they can apply for a credit card from the bank. After the bank approves the application, the credit card will be sent to the applicant by registered mail. After successful activation, the credit card can be used for consumption.

Legal basis: China Banking Regulatory Commission's "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks"

Article 40: Card-issuing banks shall establish and improve credit card applicant credit review systems and clarify management Structure and internal control mechanisms.

Article 41 The card-issuing bank shall conduct a credit investigation on the credit card applicant, fully verify and completely record the applicant’s valid identity, financial status, consumption and credit records and other information, and confirm that the applicant has a regular job , a stable source of income or reliable repayment guarantee.

What are the requirements for applying for a credit card?

What is a credit card?

Credit cards, also called credit cards, are issued by various banks for those who need to meet credit conditions. The credit certificate used by customers for overdraft consumption has a certain interest-free repayment period, and the cardholder only needs to repay it in full and on time. It can also be said that a credit card is a financial instrument for non-cash transaction payments.

Conditions for applying for a credit card

Generally speaking, the conditions for opening a credit card are:

1. Be over 18 years old and have full capacity for civil conduct;

2. Have legal and stable income and job;

3. No bad personal credit record.

As long as users meet the above application conditions, they can apply for a credit card from the bank. After the bank approves the application, the credit card will be sent to the applicant by registered mail. After successful activation, you can use your credit card to make purchases.

What materials are needed to apply for a credit card?

1. Debit card:

If you want to apply for a debit card, just bring your ID card to the bank counter to apply for it. However, if you have a registered permanent residence in other places, you may also need to prepare a residence certificate or work certificate.

If it is a minor who wants to apply, just ask his or her parents to accompany them. If you have an ID card, bring your ID card. If you don’t have an ID card, you can bring your household registration book.

2. Credit card:

If you want to apply for a credit card, you need to prepare much more information than a debit card. Not only do you need to bring your ID card, you also need to provide local household registration or proof of residence, such as household registration book, temporary residence permit, utility bill payment slip, etc.

In addition, you also need to provide personal proof of work income, such as work certificate stamped by the unit, work permit, bank statement, etc.

Also, if the applicant has certain assets, he can also provide some asset certification materials, such as large deposit certificates, real estate certificates, car driving licenses, etc. In short, the more information you have prepared, the better.

Applying for a bank card

The process of applying for a credit card and a debit card is different. When applying for a credit card, you need to bring your valid documents (ID card or copy of ID card or household registration book or copy of household registration book), proof of residence, proof of unit income or proof of personal assets and other materials to the bank counter to go through the relevant procedures and fill out the application. Form, the information filled in must be true. After filling out the application form, it must be filed with the head office of the account opening bank. After the head office of the account opening bank reviews the application materials, it will take approximately 20 working days before the card can be issued to the customer.

Credit cards are only available to customers who are 18 years of age or older. Minors are not allowed to apply for credit cards.

Applying for a debit card is relatively simple. You only need to bring your valid documents (ID card or household registration book) and fill out the application form at the bank where the account is opened. The card can be issued to the applicant at that time.

There is no age limit for debit card application, and minors can also apply.

When customers under the age of 16 apply for a debit card, their guardian must hold the account book (if they are not in the same account book, relevant certificates must be provided) to the bank branch counter to apply for it, and the person being processed does not need to be present; if you are over 16 years old, If minors under the age of 18 are already working, they can go to the bank counter with their work certificate and ID card to apply for a debit card on their own. If they are not working, they still need the assistance of their guardians, and the person being processed does not need to be present; Applicants who are 18 years old or above can directly go to the counter of a bank branch or a self-service card application machine with their ID card to apply for a debit card, and get it immediately.

Report the loss of a bank card

The procedures for reporting the loss of a bank card are not exactly the same among major banks. If you lose your bank card, you can first use the phone or online banking to temporarily report the loss, and then bring your ID card and other proof. Report the loss of materials at the bank counter.

Notes

1. When entering the password, be sure to cover it with your hands. If there is any abnormality in the password shield and card entry protection slot of the ATM machine, for safety reasons, do not use it. At the same time, inform the bank immediately;

2. In order to prevent fake ATM machines, customers should try to choose self-service banks with obvious signs and use ATM machines under the bank’s video surveillance;

3. It is best to store bank cards and ID cards separately, do not lend bank cards to others, and do not disclose bank cards and passwords at will;

4. When swiping cards for consumption, do not let bank cards out of sight and pay attention. Check the number of times the cashier has swiped the card. When you get the purchase order and card, check whether the amount on the purchase order is correct and whether it is your card;

5. Activate the mobile phone SMS service to keep track of account changes at any time , once abnormal transactions are discovered, call the bank immediately to report the loss;

6. If you suspect that funds have been stolen, you should immediately call the bank customer service number and report the loss of the bank card account in a timely manner.

7. Do not put bank cards together with electrical appliances with strong magnetic fields such as mobile phones, TVs, stereos, microwave ovens, etc. It is best to put them far away. Do not keep multiple bank cards and passbooks together.

8. Use pieces of paper to separate cards as much as possible to act as a distance.

9. You can use special bank card holders or anti-magnetic card holders.

You cannot open more than 4 cards from the same bank

How to open a credit card? What are the requirements?

How to open a credit card:

You need to apply at a bank branch. Application generally requires ID card, work permit, social security card, and proof of personal salary and income (you need to go to the financial department of the company where you work) issuance), bank deposit certificate (check and print at the deposit bank counter), etc., and fill in the credit card application form.

After the bank receives your card application, it will take a week to half a month The information you filled in the application form will be reviewed within a certain time, and your personal credit status will be checked and scored. Only if the score is passed will the card be opened for you and the card will be mailed to the address you filled in the credit card application form. Address.

Conditions for opening a credit card:

Application location:

1. Local bank branch;

2. Work at the bank’s credit card center Personnel;

3. Some banks (industrial and commercial construction, etc.) support application through online banking.

Application conditions:

1. A person who is over 18 years old and has full capacity for conduct;

2. A person with stable repayment ability.

Submit proof:

1. ID card (required);

2. Proof of work or income;

3. Yourself Proof of property, vehicles and other assets in your name;

4. Social security;

5. Other banks, credit cards, etc.

Each bank has different standards for receiving documents, so not all of the above information is required. It depends on the bank’s requirements. Proof of employment or income is very important.

CreditCard, also called credit card. It is a non-cash transaction payment method and a simple credit service.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on the Provisions on Credit Cards of the People's Republic of China and the Criminal Law of the People's Republic of China") refer to credit cards issued by commercial banks or other financial institutions. An electronic payment card with full or partial functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.

On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

A credit card is generally a special carrier plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. The name of the card issuer, validity period, number, cardholder name, etc. are printed on the front, and there is a chip on the back. Magnetic strip, signature strip. Cardholders can use their credit cards to shop and spend money with special entities and deposit and withdraw cash from banks.

There is no need to pay cash when making purchases with a credit card. Repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.