In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank.

Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information.

And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.

A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

Whether the extended information bank approves credit cards mainly depends on the applicant's credit status, repayment ability and personal assets. At the same time, it will also be considered according to the amount of cards issued by the bank in the current year, the remaining credit line, the credit balance payable, and the non-performing rate of credit cards.

According to the data released by the central bank, by the end of 20 16, the total amount of bank card credit was 9 14 trillion yuan, up by 29.06% year-on-year; The credit balance of bank cards was 4.06 trillion yuan, a year-on-year increase of 23.63%;

The average credit line of bank Kaka is 1.96 million yuan, and the credit utilization rate is 44.45%. The total outstanding credit of credit cards overdue for half a year was 53.568 billion yuan, accounting for 65.438+0.4% of the credit balance of credit cards, up 0. 17 percentage points from the end of last year.

Because it is difficult to control the flow of credit card funds, some regulators once again proposed this year that banks should further investigate the purpose and use of loans, and be wary that borrowers may use multiple credit cards to cash out mortgage down payment.

Baidu encyclopedia-credit card

People's Daily Online-Top N Reasons for Rejecting Credit Card Applications: Flowers and White Stripes "Accidentally Injure" Credit.