The overdraft function of credit card makes the issuing bank face certain risks. In order to reduce the risk of malicious overdraft, the issuing bank will decide whether to issue the card and the amount of the card according to the applicant's personal credit record and repayment ability. Work certificate and salary table are good income proof materials. The payroll card can be printed directly at any branch of the payroll card issuing bank. The work certificate needs to be printed or filled in the format required by the issuing bank, and then stamped by the company. If there is no work certificate, you can also submit other material applications.

Credit card application conditions: age 18 to 65 years old, no bad credit record and stable repayment ability are the three conditions for applying for a credit card. The work certificate is only one of the materials to prove the repayment ability, not the only one, so even if you can't provide the work certificate, you can apply for a credit card with other materials that can prove the repayment ability.

1, salary flow: this is a more direct and effective income certificate than the work certificate; The success rate of applying for a credit card in a bank that issues its own salary card is generally higher;

2. Real estate license: the house book, the car book and the deposit certificate (with a deposit of more than 50,000 yuan) are all valid materials for applying for gold and platinum cards, and these real estate licenses are undoubtedly valid proof materials for repayment ability;

3. Other materials: existing credit cards-banks suitable for supporting card processing; Social security payment voucher; Tax payment voucher; Badges with photos; A copy of the labor contract; Certificate of special work, etc.