Conditions for handling a credit card: at least 18 years old, holding a valid ID card, no bad credit record, a fixed work certificate, an income certificate stamped with the company's financial seal, a social security certificate, and other financial certificates, such as real estate, cars, stocks, bonds, etc. The first three conditions must be met. Try to provide 4-7 certificates to improve the success rate and credit limit of card processing. Compared with office workers with a certain income, it is a little difficult for students without economic income to apply for credit cards, but now many banks have launched credit cards exclusively for students.

What if the credit card is overdue?

Is it true that the credit card cannot be loaned after it is overdue? In fact, it is not absolute. The following are several common non-malicious overdue, and the parties can communicate with the bank to issue a certificate. Details are as follows:

1. The business is handled by a third party, but the third party fails to repay the loan on time as agreed in the contract, resulting in overdue. For example, car dealers handle car loan business, real estate developers handle mortgage business, and agents and other third-party agents repay loans. , overdue due to third-party reasons, such as using the money for other purposes.

2. After buying a house with a personal loan, the developer returned the personal down payment for various reasons, but failed to deal with the overdue caused by the loan settlement in time.

3. If an individual sells the mortgaged house but fails to refinance, the overdue due to the buyer's failure to repay the loan on time is still recorded in his own name.

4. The unit failed to pay the provident fund in time, resulting in the failure to repay the personal provident fund loan in time.

5. Is it because the individual doesn't understand the provisions of the repayment date of the bank, or the bank staff didn't clearly inform the repayment date, or the bank didn't inform the individual when the loan interest rate was adjusted or the repayment date changed? As a result, the individual failed to repay the loan in time according to the contract, resulting in overdue records in the personal credit report.

Credit card applications usually require the following conditions:

1. First of all, the credit card applicant must be 18 years old or older;

2. The applicant has a stable job, and the bank provides work certificates and bank running water;

3. Credit card application requires a good credit record. If the credit is poor, it will generally not pass;

Minors must obtain the consent of their guardians before applying for a credit card.

How do students apply for a credit card?

Students have no fixed income and there are restrictions on applying for credit cards. You can choose to apply for a student-specific credit card or a supplementary card to your parents' credit card. To apply for a student credit card, you need to provide a student ID card and student certification materials issued by the school before you can apply. For supplementary cards, as long as the main cardholder applies, the main cardholder and the supplementary card applicant must go to the counter.

The specific choice of which credit card to apply for depends on the needs of users. If it is used for overdraft consumption, it is more appropriate to apply for a supplementary card.

Credit card application:

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China.

When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks.

The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee. The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information.

And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.

A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

According to the Notice on Issuing the Measures for the Administration of Credit Card Business:

Article 33 Any unit that opens a basic account in a financial institution in People's Republic of China (PRC) may apply for a unit card. You can apply for multiple business cards, and the cardholder qualification shall be designated and cancelled in writing by the legal representative of the applicant or his entrusted agent.

Every citizen with full capacity for civil conduct can apply for a personal card. Personal card holders can apply for supplementary cards for their spouses and 18-year-old relatives, and the number of supplementary cards shall not exceed two at most. The holder of the main card has the right to request the cancellation of its supplementary card.

Thirty-fourth units or individuals to apply for a credit card, should fill in the application form in accordance with the provisions, together with the relevant materials submitted to the issuing bank. For those who meet the requirements, the issuing bank will open a credit card account for the applicant and issue credit cards.

How do college students handle credit cards?

According to the policy of the central bank, college students can't apply for credit cards. So the student credit card with China characteristics was born. The biggest difference between student credit cards and credit cards is that there is no quota, and other benefits are related to the relevant banks.

Credit cards that college students can apply for: Shanghai Pudong Development Bank Campus Youth Card, China Merchants Bank Youth Card and China Construction Bank College Student Dragon Card.

Take China Merchants Bank Young Student Card as an example: there are two ways to apply, the first is online application, and the second is through WeChat official account. According to experience, official website's response is not as fast as WeChat. Add the official account of China Merchants Bank credit card WeChat, select the card, card type and fill in the information. Especially when filling in information, for the safety of personal information, you must fill it out truthfully. Fill in the form and wait for the card to be issued. Usually I will go to the bank for a face-to-face interview in three days, and then wait for the card to be delivered. You can open a credit card after you get it. To sum up: Pufa is still a magnetic stripe card, and China Merchants Bank is an ic chip card. In terms of workmanship, China Merchants Bank is obviously better, which is clear at a glance.

For more information about how college students apply for credit cards, please visit: See More.

How do college students apply for China Bank Credit Card?

You can use mobile banking, "China Bank Credit Card" WeChat official account, colorful life APP, personal online banking and Bank of China official website () to do online card processing. You can also bring your valid ID card and economic certificate to the nearest BOC outlet to fill out a paper application form.

The above contents are for your reference. Please refer to the actual business regulations.

How do college students apply for the credit card of China Bank?

You can complete the credit card application online through Bank of China Mobile Banking, China Bank Credit Card WeChat official account, Colorful Life APP, online banking and Bank of China official website (). If there is a bank outlet in China nearby, you can also bring your ID card and other valid documents, as well as proof of economic source and income, and fill out an application form at a bank outlet in China to apply.

The above contents are for your reference. Please refer to the actual business regulations.

This is the end of the introduction about how students apply for bank credit cards and what conditions students need to apply for credit cards. I wonder if you have found the information you need?