Proof materials required for applying for a credit card:
1, resident identity card or passport.
2, proof of income (such as personal income tax withholding certificate or copy of tax payment certificate, provident fund deposit record or copy of deposit list.
Professional and technical certificates (such as copies of professional qualification certificates audited or approved by relevant state departments, including certified public accountants, certified auditors, lawyer licenses, etc.). ).
Personal assets certificate (e.g. copy of local real estate ownership certificate, copy of car purchase invoice, copy of motor vehicle driver's license of the People's Republic of China, savings passbook or deposit certificate, etc.). ).
Extended data:
Precautions:
1. Pay attention to the charging standard of credit card annual fee and the rules of annual fee exemption.
2. Interest and late payment fee: on the last repayment date, if the repayment is not made in full, the penalty interest will be paid in full. In addition, if only 10% is paid on the repayment date, although the personal credit record will not be affected, it will not enjoy the interest-free period, and will charge five ten thousandths of interest every day from the consumption date.
3. Credit card consumption enjoys an interest-free period, and there is not only no interest-free period for cash withdrawal, but also a handling fee. The handling fee for cash withdrawal ranges from 1% to 3%, and interest of 0.5 ‰ is charged every day from the date of cash withdrawal.
4. In the first three months after opening the card, accumulate credit and repay it in full and on time, so that the bank has a sense of security. The amount of credit card, frequency of credit card swiping, consumption type, repayment record, credit card contribution value, etc. are all investigated by the bank computer system. To swipe/punch a card
Reference source:
China Construction Bank-Credit Card Application Conditions
Baidu Encyclopedia-Personal Credit Survey
Baidu encyclopedia-credit card