Question 1: What are the conditions required to apply for a credit card? Hello, if you need to apply for a credit card from our bank, the most important condition for applying for a credit card is to have a stable job and income. The required application document is proof of identity. Copies and proof of employment documents. Specific conditions: Applicants should be between 18 and 60 years old (25 to 60 years old for overseas applicants), have certain financial capabilities and have a good credit record. The result of credit card application shall be subject to actual review by our bank.

Information: Our bank’s credit card application form, copies of the front and back of the ID card (foreigners: passport and residence permit or employment permit; Taiwanese: Taiwan Compatriot Permit and Employment Permit; Hong Kong and Macao residents: Home Return Permit and employment permit/residence permit) and work certification documents issued by the employer.

In addition, providing the following information will help increase your credit limit, such as: copies of China Merchants Bank’s savings account statements for the past three months; original certificates of asset balances of financial accounts opened by China Merchants Bank; copies of real estate certificates (including my name) + a copy of any utility invoice for the property in the past 3 months; a copy of my car driving license.

If you meet the above conditions, you can try to apply. The final decision will be subject to system review. I wish you success in applying for the card!

If you have any questions about other China Merchants Bank credit cards, please search 4008205555 in QQ business friends and add China Merchants Bank Credit Card Center as a friend; or search the number "cmb4008205555" in WeChat and follow China Merchants Bank Credit Card Center for consultation. Thank you for your attention and support to China Merchants Bank!

Question 2: How to open a credit card? What are the requirements? You need to apply at a bank branch. Application generally requires ID card, work permit, social security card, personal salary and income certificate (which needs to be issued by the financial department of the company where you work), bank deposit certificate (check and print at the deposit bank counter), etc. And fill in the credit card opening application form.

After the bank receives your card opening application, it will review the information you filled in the application form within a week and half a month, and at the same time check your Personal credit status and scoring. Only if the score passes will the card be issued to you and the card will be mailed to the mailing address you filled in the credit card application form.

Question 3: What are the requirements for applying for a credit card now? Hello, if you are going to apply for a China Merchants Bank credit card, the most important conditions are that you are 18-60 years old and have a stable job and income. The necessary application documents are a copy of your identity certificate and a work certification document. If you can provide other financial resources Supporting documents will help us better understand your personal situation and determine your credit limit.

Detailed application materials are as follows: 1. Proof of identity: usually an ID card (if you are using a new version of the ID card, a copy of the front and back sides is required), military personnel need to provide a copy of the military ID; 2. Proof of employment : It can be the original work certificate issued by the unit where you work (please indicate the specific company name, department, position and income, and stamp it with the company seal or personnel seal), or the original work certificate\plate that has been verified by the promoter and marked Copy; 3. Proof of financial resources: It can be salary records issued by banks, or income tax withholding certificates, or documents proving the market value of houses, cars, deposits and investments (such as copies of real estate certificates/car driving licenses/bank time deposit certificates), etc. Information that proves your financial ability. Other documents available for reference include: social security personal account list in the past six months, water and gas bills, credit card bills from other banks, etc.

If you have never held a credit card from our bank, you can apply in the following 3 ways:

1. Please log in to the credit card website creditcard.cmbchina/ and select "Apply for Credit Card" - "Quick Application for New Customers", click "Apply Now" in front of the corresponding credit card, fill in the simple appointment information online and wait for the bank's review. If approved, a specialist will come to serve you. If you want to apply in this way, please first confirm whether our bank can provide free appointment door-to-door service in your area (the results will be displayed after selecting the province/city/district);

2. Please bring your Please go to any CMB branch in person to apply for the original identity certificate, work certificate and financial certificate documents.

3. You can also call the customer service hotline 4008205555, select "3#" in the voice message to apply for credit card consultation, and then select "1" to transfer the service specialist to register you and notify us of the local work Personnel will contact you to confirm your application. Please note that credit card approval will be subject to the final review result.

If you have any other questions, you can call 4008205555 for detailed consultation at any time. Thank you very much for your attention and support to China Merchants Bank!

Question 4: What information is required to apply for a credit card? Conditions for applying for a credit card: 1. Be over 18 years old; 2. Hold a valid ID card; 3. No bad credit record; 4. Have a work certificate and stamp Proof of income from the unit’s financial seal; 5. Other proof of financial resources, such as real estate, cars, stocks, bonds, etc.; 6. Social security certificate; the first 4 are the most basic requirements. If you can provide 5 to 6 supporting materials, it will improve the success of the application. market and credit limit.

Question 5: What materials are needed to apply for a credit card? Conditions for applying for an online credit card

1. Age requirements: Chinese residents must be between 18 and 60 years old, and foreigners must be between 25 and 60 years old. between.

2. Job requirements: Have a stable job, income and fixed residence.

3 Credit requirements: No bad credit record.

4. Credit card online application information: personal financial certificate, income status, valid ID, home address and other relevant certificates.

Credit card online application process

1 Log in to the online banking of the relevant bank.

2 Click "Credit Card Application" or "Credit Card Online Application" (depending on each bank's online banking instructions).

3. Select the bank credit card you want to apply for. You need to select the province and city where you want to apply for the card and the brand, features, medium, grade, currency and other information of the product you are applying for. Query and retrieve the required product and click bid.

4 Fill in your personal information so that your application can be approved.

5Submit the online credit card application and wait for the approval result.

6. Credit card online application supports primary card and secondary card business. The information filled in includes: primary card application information, secondary card application information, contact information and application information for synchronized customized services. The main card (secondary card) application information includes: personal information, professional information, etc.

7. For those who apply for a primary and secondary card at the same time or only apply for a secondary card, in principle, the main card applicant and the secondary card applicant must present their respective valid identity documents to the card collection outlet to go through the card collection procedures. If the card is collected at the same time, the main card applicant can only handle the card collection procedures for his/her own card; the supplementary card applicant cannot handle the card collection procedures independently without applying for the main card.

8. If the card is not collected for more than six months after the card was issued, it will be deemed that the customer has given up on applying for a credit card.

9. After the card is successfully processed, a card collection notification text message will be sent to the applicant. Customers who apply online through a credit card must go to the nearest card collection outlet of their choice with a valid ID to complete signature confirmation, card collection, card activation and other related services at one time.

Notes

Now, with the development of the Internet era, the Internet has been deeply integrated into our daily lives. More and more people choose online shopping, online payment and other convenient methods. Applying on the Internet can be easily applied to people of all ages, convenient and fast. Credit cards can be processed by different banks, and each bank has its own characteristics. The above generally introduces the online application for credit cards. For online credit card applications from different banks, please refer to the websites of major banks.

Question 6: What do you need to apply for a credit card? Overdraft card, also known as credit card, is actually the most basic credit card. Its characteristics and the biggest difference from ordinary debit cards are: users do not need to deposit money first, but rely on the effective credit limit in the card to enjoy an advanced consumption life of selling first and repaying later. First fill out a credit card application form and submit it to the bank, which will forward it to the head office or card center. Then after a period of review and approval, if you are deemed qualified, the card and password will be mailed to you. You need to provide a copy of your ID card and as much proof of assets as possible, such as proof of income, proof of real estate, etc. In some first-tier cities, it is possible to successfully apply simply by providing proof of identity and work card.

Credit Card (English: Credit Card) is a non-cash payment method and a simple credit service. A credit card is generally a plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm (the size is defined by the ISO 7810 and 7816 series of documents). It is issued to the cardholder by the bank or credit card company based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when making purchases with a credit card, and repayment will be made on the settlement date. Except for some credit cards combined with debit cards, general credit cards are different from debit cards and ATM cards in that credit cards will not directly deduct funds from the user's account.

There are two ways to apply, one is to go to the bank and do it yourself, the other is to apply for door-to-door service online. To apply for a credit card, you need your ID card and proof of income. If it has the seal of your employer, you need to fill out an application form and leave your airport and mobile phone numbers. If you want a higher limit, use a copy of your real estate certificate plus your ID card and Proof of income, this is foolproof, and the approved amount will not be low, provided that you have not had bad credit in the bank before.

Question 7: What are the procedures and conditions for applying for a credit card? To apply for a credit card, you need to provide the following information (not all of them are required at the same time, but the more you provide, the greater the chance of successful application)

1 Copy of personal ID card

2 Proof of income from the unit ( If you are a well-known enterprise, state-owned enterprise, lawyer, public school teacher, public hospital doctor or nurse, civil servant and other people with stable income, you only need a work permit)

3 Proof of residence (such as a copy of the real estate certificate, Copies of utility invoices, rental contracts, etc.)

If any of the following certificates are provided, the credit overdraft limit will be increased

1. Deposit certificate

2. Asset certificate

3 Copies of credit cards from other banks

To sum up: to successfully apply for a credit card, you need to have a more stable job and income, preferably a local household registration, high education, high income, high position Deposits can help you increase your credit limit

The following are the three elements of credit, which are also useful for your successful application for a credit card. The credit card credit center comprehensively evaluates your credit based on this information:

The three elements of credit refer to "Character" (Character), "Assets" (Capital) and "Repayment Ability" (Capacity). Lenders consider these three factors when making lending decisions.

Character

Based on the credit record, lending institutions will measure whether the applicant has sufficient integrity.

Lenders will consider the following factors when evaluating:

Have you ever used credit?

Do you return bills on time?

Do you have a good credit history?

Do you have a guarantor?

How long have you lived in your current location?

How long have you been in your current position?

Capital

Lenders will want to know if you have any valuable assets, such as property, cars, savings or investments, that can be used as collateral for loan repayments if you lose income. .

What kind of property do you own that can be used as a mortgage?

Do you have a deposit account?

What investments do you own that can be used as collateral?

Capacity

Whether you have the ability to repay the loan. Lenders will look to see if you have a regular job that gives you enough income to support your credit.

Lenders may ask the following questions:

Do you have a regular job? If yes, how much is the salary?

Do you have other debts?

How much do you spend on daily life?

What kind of debt do you currently have?

How many people do you need to support?

Thank you!

Question 8: What are the things needed to apply for a credit card? Applicants for the main card must be at least 18 years old and not more than 70 years old; applicants for supplementary cards must be at least 13 years old. If the applicant for the supplementary card is under 18 years old, his or her legal guardian must sign and approve the application form.

Applicants for the main card can also apply for supplementary cards for their spouses, children, parents, relatives, etc. Each main card can apply for up to three supplementary cards.

What proof materials should be provided when applying for a credit card

Answer: ◇If you are an applicant with local household registration, you need to provide:

①Copy of ID card; ② Proof of income; ③ Proof of residence; such as: the payment receipt for the telephone bill, water, electricity, gas (gas) bill, property management fee, cable TV fee, and Internet broadband fee of the fixed residence in the last month (the account name on the payment voucher should be the application If it is not specified or it is not the person in person, the household registration book must be provided);

◇If you are an applicant with non-local household registration, you need to provide:

①ID card; ②Income Proof; ③Proof of real estate (household registration within the jurisdiction of the card issuing bank);

◇If you are an overseas person (including compatriots from Hong Kong, Macao, Taiwan and overseas people), you need to provide:

①Passport ; ② Residence permit issued by the Chinese public security department and valid for more than one year; ③ Proof of income; ④ Provide a guarantor (residence registration within the jurisdiction of the card issuing bank) or deposit (minimum deposit amount of 5,000 yuan);

◇You If you are a private owner, you need to provide:

① Identity certificate; ② Real estate certificate; ③ A copy of the corporate business license and the tax payment receipt of the company in the past three months (if there is no business license, in addition to submitting an application form and In addition to a copy of the ID card, a guarantee is also required).

Question 9: What documents are needed to apply for a credit card in 2015? Hello, if you apply for a China Merchants Bank credit card, the most important condition is that you are 18-60 years old, have a stable job and income, and the necessary application document is your identity. Copies of certification and work certification documents are indispensable. If you can provide other supporting documents of financial resources, it will be more helpful for us to understand your personal situation and determine your credit limit. Detailed application materials are as follows: 1. Proof of identity: usually an ID card (if you are using a new version of the ID card, a copy of the front and back sides is required), military personnel need to provide a copy of the military ID card; 2. Proof of employment: it can be issued by the unit where you are employed. Original work certificate (please indicate the specific company name, department, position and income, and stamp it with the company seal or personnel seal), or a copy of the original and marked work permit/plate that has been verified by the promoter; 3. Proof of financial resources. : If you want to apply for a credit card with a relatively large limit or a gold card or a card above the gold level, it is recommended to provide more financial information. It can be salary records issued by the bank, or income tax withholding vouchers, or documents proving the market value of houses, cars, deposits and investments (such as copies of real estate certificates/car driving licenses/bank time deposit certificates) and other documents that can prove your financial level. Other documents available for reference include: social security personal account list in the past six months, water and gas bills, credit card bills from other banks, etc. The main ones are your large deposit slips, real estate certificates, and copies of driving licenses for high-end private cars. If you can provide relatively complete financial documentation, it will be more helpful for us to understand your personal situation and determine your credit limit.

There are 3 application methods: 1. Online application: ccclub.cmbchina/CCPRODUCT/newcustomer.aspx; 2. Please bring your original identity certificate, work certificate and financial certificate documents to any branch of China Merchants Bank in person Handle at outlets. 3. You can add "China Merchants Bank Credit Card Center" as a friend through WeChat and click "I want to apply for a card" to apply. Please note that credit card approval will be subject to the final review result.

If you have any questions about other China Merchants Bank credit cards, please search 4008205555 in QQ business friends and add China Merchants Bank Credit Card Center as a friend; or search the number "cmb4008205555" in WeChat and follow China Merchants Bank Credit Card Center for consultation. Thank you for your attention and support to China Merchants Bank!