1. Process of applying for a credit card
1. Prepare application materials,
2. After the materials are ready, you can go to the bank to apply or make an appointment online.
3. Then wait for the bank’s approval. During the approval process, the bank will call the applicant to verify the information.
4. After the approval is passed, the bank will mail the card to the applicant. The card will arrive approximately 3 weeks after successfully submitting the information.
2. Different credit cards have different specific conditions. Most of them require the following conditions:
1. There are certain age requirements for applying for a credit card: you must have full civil capacity, that is, 18 years of age and above;
2. Have legal and stable income, and good credit;
3. Provide corresponding identity documents: a copy of ID card or military officer ID; < /p>
4. Employment certification documents. Some banks also require proof of income and financial resources. Proof of financial resources can include a copy of the real estate certificate, a copy of the motor vehicle license, a bankbook, etc. Anyway, the proof of financial resources depends on the individual's repayment ability, which makes it easier to apply for;
5. Documents proving the place of residence, It can be a copy of the household registration book, or certification materials issued by the street, or other certification materials. This is relatively easy to do;
6. There is also an application form to apply for a credit card.
Extended information:
According to different repayment methods, credit cards can be divided into credit cards and quasi-credit cards:
1. Credit card. When the card-issuing bank provides bank credit, it is first used as an overdraft, and then repaid or paid in installments. Most of these cards are used internationally. That is to say, the way that cardholders are allowed to pay off their credit card accounts without deposits is "spend first, deposit later". Most of these cards are used internationally.
2. Quasi-credit card. It is a credit card issued by a bank that allows you to deposit money first and spend later. When applying for a credit card, cardholders need to deposit a certain amount of money in the card-issuing bank for backup. Cardholders need to use the deposit balance as a basis when using the card. Overdrafts are generally not allowed.
Reference: Credit Card Baidu Encyclopedia