Individuals applying for credit cards 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 contract for using the credit card. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have an application A person's autograph.

Extended information:

The specific conditions for different credit cards are different. Most of them require the following conditions:

1. There are certain age requirements for applying for a credit card: Must have full capacity for civil conduct, that is, 18 years of age and above;

2. Have legal and stable income, and good credit;

3. Provide corresponding identity documents: Identity A copy of your ID card or military officer ID;

4. Work certification documents. Some banks also need to provide proof of income and financial resources. Proof of financial resources can include a copy of the real estate certificate, a copy of the motor vehicle license, a bankbook, etc. Anyway, the proof of financial resources depends on the individual's repayment ability, which makes it easier to apply for;

5. Documents proving the place of residence, It can be a copy of the household registration book, or certification materials issued by the street, or other certification materials. This is relatively easy to do;

6. There is also an application form to apply for a credit card.

Baidu Encyclopedia-Credit Card