Usually the income certificate is issued by the financial department or human resources of the applicant’s unit, but you can also copy the salary passbook or provide tax payment certificate. If the applicant’s unit has paid social security, then there is no need Provide proof of employment and income.

Proof of financial resources can be salary records issued by banks, or income tax withholding certificates, or documents proving the market value of houses, cars, deposits and investments (such as copies of real estate certificates/car driving licenses/bank time deposit certificates) and other information that can prove the level of financial resources. Note that the most effective financial proof materials are the financial products of the bank applying for the card and the real estate certificate. Users who own a car can apply for a car owner card.

Although there are skills to successfully apply for a card, it ultimately depends on the applicant's own qualifications. It is recommended that cardholders use the card rationally, repay the loan in a timely manner, have no overdue payments, and maintain a good credit record.

Extended information:

Notes:

1. If it is the first time to apply for a credit card, then because there is no consumer credit record, the bank mainly relies on various credit cards. The income and asset status determine whether to approve the card and the size of the credit limit.

2. Usually when applying for a credit card for the first time, the limit will not be too high unless sufficient proof of assets can be provided, such as income proof, house ownership certificate, mortgage purchase certificate, car title certificate, bank deposit Certificates or securities certificates, etc.

3. In addition to asset certificates, other certificates that can prove personal abilities will also help to obtain high-limit credit cards, such as academic certificates, technical level certificates and other qualification certificates.

Baidu Encyclopedia - Credit Card Application Form

Baidu Encyclopedia - Credit Card

Baidu Encyclopedia - Proof of Income