Application conditions:

1, 18 years of age or older, China residents with full capacity for civil conduct and good credit standing, foreigners living in China and compatriots from Hong Kong, Macao and Taiwan can apply for personal credit card master cards with their valid identity documents.

Personal cardholders can also apply for supplementary cards for other natural persons with full civil capacity or natural persons with limited civil capacity. The main cardholder can apply for cancellation of the supplementary card at any time.

2. Enterprises, administrative institutions, social organizations and other economic organizations authorized by legal persons who open basic deposit account in financial institutions in China can apply for a business card to the card issuer with supporting documents such as the basic deposit account account opening permit issued by the People's Bank of China (if applying for an international business card, they must also have a foreign exchange settlement account).

The qualification of the cardholder of the unit card shall be designated and revoked in writing by the legal representative of the unit or its authorized person. The applicant shall bear all debts arising from the unit card.

3. When applying for a credit card for the first time, the applicant shall fill in the credit card application form correctly, completely and truthfully, and submit the relevant supporting documents required by the card issuer, and agree that the card issuer may inquire about the credit status of the applicant from any relevant department, unit or individual, and keep and use relevant materials.

4. According to the credit status of the applicant, the card issuing institution decides whether to issue the card, whether to require the applicant to provide the guarantee and the guarantee method, and determines the method and type of obtaining the card and the credit line approved for the applicant. Failed application materials will not be returned.

5. The ways for the applicant to provide guarantee include: guarantee, mortgage and pledge. A corresponding guarantee contract shall be signed separately for the guarantee. The scope of guarantee covers all debts incurred under the cardholder's credit card (including but not limited to the principal and interest, over-limit fees, late fees and recourse fees for overdrafts within and outside the credit line).

Extended data

Application material

1. Identification: Generally, it is an ID card (if you use a new ID card, you need a copy of the front and back). Soldiers need to provide a copy of their ID cards.

2. Work certificate: it can be the original work certificate issued by the employer (please indicate 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 and marked by the sponsor.

3. Proof of financial resources: it can be a payroll record issued by a bank, an income tax withholding certificate, or a market value certificate of a house, a car, a deposit or an investment (such as a copy of the real estate license/car driving license/bank time deposit certificate) and other materials that can prove your economic level.

4. Other documents for reference include: personal account list of social insurance in the last 6 months, water, electricity and gas bills, credit card bills of other banks, etc.

Baidu Encyclopedia-China Merchants Bank Credit Card