Banks need/kloc-credit card applicants aged between 0/8 and 60 with full civil capacity to apply for credit cards for customers; Have a fixed residence, or have a certificate of long-term residence; Personal credit is good and there is no overdue record; Have a regular job and a certain repayment ability. The bank's approval of credit cards mainly depends on whether the applicant has good personal credit and repayment ability.
If the applicant's credit is good, it means that the applicant will repay the loan on time without any overdue. Banks don't have to waste time to collect loans, and they can have more time to handle more business. If the applicant has a regular job and has a certain repayment ability, it proves that the applicant will not be unable to repay the arrears. Good credit and repayment ability are necessary conditions for handling credit cards, and both are indispensable.
Applicants can also provide their own property certificates to the bank, such as cars, houses, stocks, funds, bonds, etc. This will enable China Merchants Bank to approve credit cards faster, and applicants will get larger credit cards.
It's quite easy to approve