Where do Taiwan Province people apply for a credit card
Compatriots from Hong Kong, Macao and Taiwan need to bring their Hong Kong and Macao passes or home visits, valid identification documents (drivers' licenses, national health insurance certificates and other relevant documents with the same effect as ID cards can be provided if they don't have ID cards), copies of residence permits or temporary residence permits, employment certificates and work certificates to the China Merchants Bank outlets.
(Response time: February 26, 22, please refer to China Merchants Bank official website for the latest business changes)
What are the requirements for Taiwan Province people to apply for China Merchants Bank credit card
The most important requirements for applying for our credit card are that they are 18-6 years old (foreigners are 25-6 years old), have certain economic ability and have a good credit record. Please refer to our actual audit for the credit card application results. The necessary application documents are a copy of identity certificate and work certificate. If you can provide other financial documents, it will be more helpful for us to understand your personal situation and judge the credit limit.
The detailed application materials are as follows:
1. Identity certificate: generally, it is an ID card (if you use a new ID card, you need a copy of the front and back), and soldiers need to provide a copy of their military card (foreigners: passport and residence permit or employment permit; Taiwanese: Taiwanese certificate and employment certificate; Hong Kong and Macao people: Home Visit Permit and Employment Permit/Residence Permit);
2. Work certificate: it can be the original work certificate issued by the employer (please specify the specific company name, department, position and income, and affix the official seal or personnel seal of the company), or a copy of the work permit \ card verified by the promoter and marked;
3. proof of financial resources: it can be the payroll record issued by the bank, or the income tax withholding certificate, or the documents proving the market value of the house, car, deposit and investment (such as the copy of the real estate license/car driving license/bank time deposit certificate) and other materials that can prove your financial level. Other documents for reference include: personal account list of social insurance in recent 6 months, water and gas bills, credit card bills of other banks, etc.
can Taiwan Province people apply for a credit card if they have no job?
if you don't have a job, you need to submit other financial certificates to the bank, such as real estate license, vehicle license and insurance. You can apply for a credit card even if you don't have a job, as long as it is certified by the bank.
the more financial certificates are submitted at the same time, the higher the credit card limit applied for. Banks usually give preferential treatment to high-quality customers with better economic conditions. Therefore, if you don't have a fixed job, submitting as many financial proof materials as possible will help improve the credit card withdrawal rate and credit card withdrawal amount.
can Taiwan Province people apply for a credit card /visa in the four major banks in China? What information does each bank need to provide? Please list it in detail.
Yes, as long as Taiwan Province people have a fixed place to work and live in the mainland, you can provide a Taiwanese certificate, a local work certificate, a local real estate license or a local rental agreement when you apply for a credit card.
Generally speaking, the basic requirements for applying for a credit card are:
1. The age is over 18 years old (some banks have an upper age limit, which is subject to the bank's credit card regulations, and foreigners may have different age restrictions);
2. Have a stable occupation and income;
3. Good credit and ability to repay the interest on time;
4. A natural person with full capacity for civil conduct.
Therefore, as long as the above conditions are met, foreigners (including Hong Kong, Macao and Taiwan people) can apply to the bank for a credit card, but the identification provided by them is different from that provided by mainlanders.
Extended information:
To apply for a credit card, foreigners need to meet the following conditions:
1. They are over 25 years old and under 6 years old and have full capacity for civil conduct; The credit report of the People's Bank of China meets the applicable conditions for issuing cards;
2. Having worked in mainland China for more than 6 months, the annual after-tax income is generally not less than RMB 8,;
3. A copy of the valid passport and the Alien Residence Permit or the Alien Permanent Residence Permit attached to the visa page of the valid passport;
4. Work certificate and income certificate, etc.
Baidu Encyclopedia-Credit Card
Do Taiwan Province compatriots apply for credit cards in China?
The identity documents recognized by foreigners (including compatriots from Hong Kong, Macao and Taiwan and foreigners) when applying include: foreign passports, Hong Kong and Macao passes to and from the Mainland, and five-year passes for Taiwan residents to and from the Mainland.
provide proof of income and application for identity documents when handling the card. Proof of income (for example: copy of personal income tax withholding certificate or tax payment certificate, copy of provident fund payment record or payment list) or personal assets (for example: copy of local real estate ownership certificate, purchase/car invoice, copy of Chinese motor vehicle driving license, savings passbook or deposit certificate, etc.) or professional and technical certificates (for example: copy of professional qualification certificate assessed or recognized by state authorities, including registered accountant, registered auditor, lawyer's license, etc.) (for example: local property certificate, copy of social comprehensive insurance statement (more than 6 months), education certificate, etc.).
Let's stop here for the introduction of credit cards in Taiwan Province.