1. There are certain age requirements for handling credit cards: they must have full capacity for civil conduct, that is, they must be 18 years old or above;

2. Have legal and stable income and good credit;

3. Provide corresponding identification documents: a copy of ID card or military officer's card;

4. Work certificate. Some banks also need to provide proof of income and financial resources. Proof of financial resources can include a copy of real estate license, a copy of motor vehicle driving license, passbook, etc. Anyway, the financial proof depends on the individual's repayment ability, which is easier to handle;

5. The proof of residence can be a copy of the household registration book, a certificate issued by the street or other proof materials. This is easier to do;

6. there is also an application form for applying for a credit card.

Legal basis:

Notice of the People's Bank of China on matters related to credit card business: Bank card clearing institutions should further improve the rules and technical standards of credit card transactions in strict accordance with the relevant regulatory provisions on bank card business, together with card issuers and acquirers. All card issuers and acquirers should truly reflect and accurately identify business types such as cash withdrawal, cash transfer and cash recharge, and completely transmit transaction information to ensure the authenticity, integrity, traceability and consistency of transaction information in the payment process, so as to facilitate card issuers to identify and judge risks and ensure the security of credit card transactions.

article 35 of the law of the people's Republic of China on commercial banks: when issuing loans, commercial banks should strictly examine the borrower's loan purpose, repayment ability and repayment method.

commercial bank loans are subject to the system of separation of loan examination and grading approval.

article 36 of the law of the people's Republic of China on commercial banks: the borrower shall provide a guarantee for a commercial bank loan. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral.

after examination and evaluation by the commercial bank, it is confirmed that the borrower has good credit standing and can repay the loan, and no guarantee is required.

article 37 of the law of the people's Republic of China on commercial banks: a commercial bank shall conclude a written contract with the borrower when granting loans. The contract shall stipulate the type, purpose, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties think need to be agreed.