Nowadays, credit card applications are very common, and many friends already have a few of them. But there are still some friends who can’t apply no matter how they apply. So, what are the requirements for applying for a credit card? Let’s find out together.

The application conditions for credit cards of each bank are similar. The basic application conditions are as follows:

1. Age of the applicant

The applicant for the main card must be over 18 years old. The maximum age limit is different for each bank. For example, the maximum age limit is 60 years old for China Merchants Bank, CITIC, and Shanghai Pudong Development Bank; 65 years old for Guangfa, Bank of Communications, Minsheng, Ping An, and Huaxia; and 70 years old for China Construction Bank.

Applicants for supplementary cards are generally 16 years old or above. Among them, China Merchants Bank and Agricultural Bank of China require 14 years of age or above, while Minsheng Bank and China Construction Bank require 13 years of age or above.

2. Personal financial strength

Applicants must have a stable job and legal income, and have a certain ability to repay.

3. Credit report status

The personal credit report is good and there is no bad credit record, especially no credit cards, overdue loans, cash out, etc.

Of course, these are the most basic conditions. Even if you meet these conditions, you may not be able to pass the approval 100%. In addition, some card types require special conditions, such as assets reaching a certain scale, etc.

The above is an introduction to the conditions for credit card application. I hope it can help you.