Definitely not. Whether you apply for credit online or apply for a card at an outlet, there is no such thing as an ID card to apply for a card. So don’t think that you can apply for a credit card with just an ID card. After all, the ID card is only one type of card application information. The purpose is to confirm the identity of the applicant. However, it is not enough to apply for a card in person. You must also know that the applicant has No income.
Some friends may say that if you apply online, you only need to fill in your ID number and some basic information. I haven’t seen anyone asking for other information, but in fact, you still have to go through the preliminary review to pass the online application. If you sign at the counter, the information provided will not only be your ID card, but also proof of income, etc.
If you see various advertisements on the Internet for unconditional credit card applications, saying that you only need to provide your ID card to apply for a large credit card, you must be careful. In real life, many people's gullibility results in being defrauded of money and information, failing to apply for a credit card, and causing themselves a lot of trouble.
Credit cards are also called debit cards. You do not need to pay cash when making purchases, and you will repay them on the due date. The name of the issuing bank, validity period, number, cardholder name, etc. are printed on the card surface.
To apply for a credit card, you need to meet the corresponding conditions before you can apply for a credit card.
Age 18 or above: All banks have similar age requirements for applicants, ranging from 18 to 60 years old and with full capacity for civil conduct.
Valid original ID card: When applying for a credit card, you need to accurately fill in your own information, including identity information, education information, income information, etc. When activating at the counter, you need to bring the original credit card and ID card.
Employment certificate issued by a stable job and income unit: The bank requires the applicant to have a fixed job and a stable source of income to ensure that the applicant has full repayment ability. When applying for a card, some banks require applicants to produce work certificates issued by their units: including but not limited to work permits, work badges, OA systems, social security certificates, paper work certificates (stamped with unit seals), etc.
Good credit record: Personal credit record needs to meet the requirements of the card center. Applying for a credit card requires a good credit record, and your credit record is online. If you have a bad credit record in one bank or lending institution, it will also be visible in other banks. Therefore, it is difficult to apply for a credit card if your credit is flawed. At the same time, a bad credit record also has an impact on personal life and work.
When applying for a credit card, fill in your personal information accurately and truthfully to avoid failure of the card center’s review and affecting the credit card processing.