As we all know, to apply for a credit card in a bank, you need to go through a series of procedures stipulated by the bank. Many card friends will be puzzled. What do you want to see when you run a credit card bank? On the surface, although the bank has only collected some information about you, in fact, the bank has judged your repayment ability through these information, and then opened a credit card for you. the basic requirements for handling credit cards are that the subject of handling credit cards is a person with full capacity for civil conduct who has reached the age of 18; Valid identification can be in the form of resident ID card, military officer's card, Hong Kong and Macao pass, passport, etc.

What to look at when running a credit card bank

Looking at the repayment ability of cardholders, repayment ability is a factor that banks value most in the process of running a credit card. In order to prove that he has a stable repayment ability, the cardholder needs to provide a work certificate and income certificate signed and sealed by the unit, and preferably proof of assets such as real estate vehicles under his own name. If you are a staff member, an administrator of a public institution, or an executive of a foreign company or a senior white-collar worker with a stable job and high income, it will be easier for you to get the favor of banks when you apply for a credit card.

Second, the personal credit bank of the user will investigate the personal credit of the cardholder. If you have a bad credit record such as overdue repayment, it will be much more difficult to get off the card.

Third, look at the user's capital demand. The personal demand for credit line will also be taken into consideration by the bank. The bank will provide the user with the most suitable credit card line after comprehensive investigation of the user's situation and combined with the user's capital demand. Generally speaking, if you want to know what to do in a credit card bank, you card friends may wish to look at what conditions you already have that can impress the bank. In short, the user's repayment ability is the most important factor when the bank decides to issue a card. Therefore, if card friends want to apply for a card, they must be as outstanding as possible in their repayment ability and impress the card issuing bank, so that they can easily obtain the credit card you want to apply for and the ideal limit.