Credit card waiver applications need to provide proof of financial difficulties, such as unemployment, low income or poverty. The bank will evaluate whether the applicant has the ability to repay the loan on time according to the income certificate, so the income certificate must be filled in truthfully and need to be stamped with the official seal to ensure authenticity. There can be no overdue records in the personal credit report, and a good credit record is also a necessary condition for applying for credit card relief.