No. A copy of your ID card cannot be used to apply for a credit card. The original ID card must be provided for verification (as for whether a copy is required, it depends on the requirements of the card bank).

Certain conditions need to be met to apply for a credit card. For details, please see the relevant knowledge about applying for a credit card:

1. In most cases, when applying for a credit card, you must have full capacity for civil conduct (Mainland China Citizens aged 18-60 years or older) who have certain direct financial resources and can repay their loans on time can apply for a credit card from the card-issuing bank.

2. Apply for a bank credit card: As long as the applicant works in a company (that is, has direct financial resources), is over 18-60 years old, and can issue a work certificate and income certificate to the bank (currently, some The bank's credit card does not require a proof of employment. As long as the card applicant has classes in one place, he or she can contact the card application clerk to apply for the credit card; you can also go to the bank's official website to apply for a credit card. No proof is required at this time), and you can do it on time The repayment can be processed.

3. Domestic residents need to provide: a completed and signed application form, identity document, income certification document; foreigners and people from Hong Kong, Macao and Taiwan also need to provide: Foreigner Residence Permit (Residence Permit) The reason must be employment) or employment certificate for foreigners/Hong Kong, Macao and Taiwan residents; if it is a private owner, in addition to the above information, it is also necessary to provide: a copy of the industrial and commercial business license showing the applicant's name, company name and date of commencement of operations (this prerequisite needs to be Legal representative of the business license).

4. If you want to apply for a credit card with a relatively large limit (such as a platinum card), you need to provide proof of good financial strength, such as: a copy of the real estate certificate, a copy of the car license (not the driver's license); Copies of large deposit receipts, etc. (Platinum card applications cannot be applied directly online, and you need to submit application materials at an outlet).

5. Relatively speaking, national joint-stock commercial banks are easier to handle than the five major state-owned banks.

6. There is no charge for credit card processing. Approval is subject to the bank's final review result.

7. The credit card approval limit is determined by the issuing bank based on its own situation (risk control capabilities, credit policies, etc.), the materials provided by the applicant, the credit report of the Credit Information Center of the People's Bank of China, and other comprehensive factors. of.

8. Youth Card (Bank of Communications, China Merchants Bank, etc.): If you graduated in 2003, have a college degree or above recognized by the National Education Commission, have a fixed job, and are between 18-30 years old, you can apply Apply with your ID card alone (contact the card salesperson).

9. Currently, many banks can apply for campus credit cards (there is no limit and you need to deposit first before spending). If college students can find a part-time job while on campus and can issue a work certificate and income certificate to the bank, they can also try to apply for a credit card with a credit limit (i.e., non-campus version).

Application materials that should be prepared when applying for a credit card (proof of identity, proof of work, proof of financial resources):

1. Proof of identity: usually an ID card (if you are using a new version of the ID card, Photocopies of both sides are required); military personnel need to provide a photocopy of their military ID; foreigners: passport and residence permit or employment permit; Taiwanese: Taiwan Compatriot Permit and Employment Permit; Hong Kong and Macao citizens: Home Return Permit and Employment Permit/Residence Permit) ; The temporary ID card requires a second-generation temporary ID card valid for more than 3 months and a copy of the household registration book.

2. Work certificate: It can be the original work certificate issued by the employer (indicate the specific company name, department, position and annual income, and stamp the company seal or personnel seal), or A copy of the original and marked work permit/plate that has been verified by the promoter;

3. Proof of financial resources: If you want to apply for a credit card with a relatively large limit or a gold card, platinum card and above, it is recommended to apply for more Provide financial information. It can be salary records issued by banks (records with annual income of more than RMB 80,000 can be provided), income tax withholding certificates (such as tax payment certificates when winning a lottery), or high-end private cars, large deposits or investment market values, etc. that can prove the card application. Information on the level of human and financial resources.

Other documents available for reference include: credit cards from other banks (need to be opened for more than half a year and have a good repayment record), social insurance personal account list in the past 6 months, etc. If the card holder can provide relatively complete financial proof documents, it will be more helpful for the bank to understand the card holder's personal situation and judge the credit limit, and approve a high-limit credit card or platinum card.

The main channels for credit card processing are:

1. Application at the counter/promotional booth (when applying for a card, it can be opened by phone, text message, WeChat public account, etc.): You can be present in person To apply, you need to bring your original second-generation ID card and proof of income, and fill in the paper application form on site.

2. Apply on the official website of a credit card (online card application is not available in some areas, please refer to the website for specific information; when opening a card, you must go to the designated outlet to open the card. The bank will check whether the ID photo is required when opening the card. (Is the applicant): In this case, no proof is required, but relevant certificates may be required when opening a card. As for whether this is required, it depends on the card bank’s requirements;

3. Ask the bank’s credit card clerk Application: At present, some banks’ credit cards do not require the issuance of proof of work. The card applicant only needs to work in one place and contact the card application clerk to apply;

4. The bank’s WeChat official account can apply Application (you must go to a designated outlet to apply for a card. When opening a card, the bank will check whether the ID photo is of the applicant): Search the official official account of the card-issuing bank on WeChat, find the credit card application menu or enter the keyword "Apply for a credit card" Follow the prompts.

5. Bank credit card official APP application: Download the bank's official APP, find the credit card application, and fill in the relevant information as prompted (when applying for a card, you must bring the original ID card of the applicant to the designated outlet to open the card. When the bank opens a card, it will check whether the ID photo is of the applicant).

6. Bank credit card customer service phone application: You can call the credit card 24-hour service hotline, enter the ID number (letters are replaced by * keys, and the input is completed with #), and follow the prompts to apply for a credit card.