Under normal circumstances, the bank decides whether to approve the card and the amount of the card according to the comprehensive score of the information submitted by the applicant. Reference items include age, gender, unit, income, position, housing, education, marriage, real estate, professional title, credit record and so on. A score segment corresponds to a result, from not approving cards to approving cards, from low amount to high amount. In order to control risks, banks attach great importance to the repayment ability of cardholders. The information you submitted makes the bank feel that you have enough repayment ability. The stronger the repayment ability, the easier it is for banks to issue cards.
Conditions for handling credit cards:
1, and the age must be between 18-60 years old;
2. Identification certificate: generally, it is an ID card (if a new ID card is used, a copy of the front and back is required), and the soldier needs to provide a copy of the military ID card;
3. Work certificate: it can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and affix the official seal or personnel seal of the company), or it can be a copy of the work permit verified and marked by the sponsor;
4. Proof of financial resources: it can be a payroll record issued by a bank, an income tax withholding certificate, or a market value certificate of a house, a car, a deposit or an investment (such as a copy of the real estate license/car driving license/bank time deposit certificate) and other materials that can prove your economic level. Other documents for reference include: personal account list of social insurance in the last 6 months, water, electricity and gas bills, credit card bills of other banks, etc.