The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China.

When applying for a credit card, each unit can get a main card and several (5~ 10) secondary cards as needed. 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.

Extended data

A person can apply for multiple credit cards in the same bank (there is no limit), but if you apply for multiple credit cards in the same bank, the amount is the same and you share them; Applicants can apply as long as they meet the bank regulations.

Credit card review:

After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.

Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand.

Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.

Credit card identification:

The credit card has at least the following information on its surface:

1. Front: name and logo of the issuing bank, credit card type (organization logo) and holographic anti-counterfeiting logo, card number, English or pinyin name, activation date (generally calculated to month) and validity period (generally calculated to month). The chip is attached to the front of the newly issued card, and the chip account and the card magnetic stripe account are two relatively independent accounts.

2. Back: card magnetic stripe, cardholder's signature column (which must be signed after activation), service hotline, four or all card numbers after the card number, and credit card security code (the last four digits of the signature column on the back of the credit card are used for credit card activation, password management, TV, telephone and online transactions, etc. ).

Baidu encyclopedia-credit card