Home Credit is a consumer finance company approved by the China Banking Regulatory Commission. It will be connected to the central bank’s credit reporting system and will also be listed on the credit reporting system. But as long as you repay on time and are not overdue, it will not affect your application or apply for a credit card; but if your repayment is overdue, it will affect your application for a bank credit card.

The information required to apply for a credit card is as follows: Bring your ID card, work certificate, company address, company phone number, and mobile phone number to a bank branch to apply. If you have a property ownership certificate, driving license, provident fund card, or social security card, If so, it will help increase your credit card limit.

Extended information:

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country.

Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

The application form is accompanied by a credit card use contract. The applicant authorizes the card issuer or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card issuer's privacy protection policy, etc., and must have an application. A person's autograph.

Baidu Encyclopedia - Home Credit Group

Baidu Encyclopedia - Credit Card

Baidu Encyclopedia - Credit Information System of the People's Bank of China