The name of the department is one of the audit materials of the bank, as long as it is truthfully filled in. After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor. Fill in the credit card application form, which generally includes the applicant's name, basic information, economic status or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.
A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph. Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.
The following information is expected to help you:
Conditions for applying for a credit card:
1, a natural person who has reached the age of 18 and has full capacity for civil conduct and repayment ability may apply for a personal card master card with his/her valid identity document and relevant supporting documents, or apply for a supplementary card for other natural persons with full capacity for civil conduct or natural persons with limited capacity for civil conduct (with the permission of his/her legal representative). The main cardholder can apply for cancellation of the supplementary card at any time.
All transaction funds of the secondary card and corresponding interest and expenses are credited to the account of the primary card, and the cardholder of the primary card bears all repayment responsibilities.
2. The organs, organizations, military units, enterprises, institutions and other organizations (hereinafter referred to as units) that domestic financial institutions open in basic deposit account may apply for unit cards with the basic deposit account account opening registration certificate and relevant supporting documents approved by the People's Bank of China.
The cardholder of the unit card shall be designated in writing by the legal representative (person in charge) of the unit or its authorized agent. All the transactions of each cardholder and the corresponding interest and expenses are credited to the Longka credit card account of the unit, and the unit is responsible for repayment. The unit may apply to cancel the cardholder qualification or change the cardholder at any time.