It can be applied, you just need to apply at the branch or on the official website!

1. Application location:

1. Local bank branches

2. Bank credit card center staff;

3. Some banks (Industrial and commercial construction, etc.) Support application through online banking.

2. Application conditions:

1. A person who is over 18 years old and has full capacity for conduct;

2. Have stable repayment ability.

3. Submit proof:

1. ID card (required);

2. Work certificate or income certificate;

3 , Proof of assets such as real estate, vehicles, etc. in your own name;

4. Social security;

5. Other bank credit cards, etc.

Each bank has different standards for receiving documents, so not all of the above information is required. It depends on the bank’s requirements. Proof of employment or income is very important.

First go to a credit card salesperson or lobby teller to fill out an application form. The other party will usually ask you to fill in the application form if they see that your conditions may approve the card. You need to fill in your basic personal information and your work phone number on the application form. , home phone number and personal mobile phone number; two contacts (one relative and one friend) and their mobile phone numbers and landline numbers.

You only have hope after filling out the form, and then submit the above information and wait for bank approval. The bank will decide whether to approve the card and the credit limit based on the comprehensive score of the information submitted by the applicant. The reference items include age, gender, and unit. , income, position, housing, education, marriage, real estate, professional titles, credit records and other items, one score range corresponds to one result, from not approved to approved, from low limit to high limit. In addition, ICBC and other banks will assess the star rating based on your assets in ICBC, and determine whether to issue a card based on the star rating. After submitting the form or applying online, you can enter your ID number on the bank's official website to check the application progress. The result is usually rejection or approval. After approval, the card will usually be mailed to your address, and you can use it after you receive the card and activate it.

In order to control risks, banks attach great importance to the repayment ability of the cardholder. The information you submit must make the bank feel that you have sufficient repayment ability. The stronger the repayment ability, the easier it is for the bank to issue the card.