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Hello, I'm a white-collar worker. Can I apply for a credit card?
Yes, no problem at all, as long as you meet the conditions for applying for a credit card. You are over 18 years old, have a stable income certificate, and have no bad credit record in the bank. If you are a woman, it is suggested that it is easier to apply for Bank of Communications and the amount is higher. If you need money urgently, in your case, our company can directly provide unsecured credit loans.

Application materials (identity certificate, work certificate, financial certificate) to be prepared for handling a credit card:

1, identification: generally an ID card (if you use a new ID card, you need a copy of the front and back); Require soldiers to provide copies of military identity cards; Foreigners: passport and residence permit or employment permit; Taiwan Province people: Taiwanese certificate, employment certificate; Hong Kong and Macao people: Home Visit Permit and Employment Permit/Residence Permit); Temporary id card needs a copy of the second-generation temporary id card and household registration book valid for more than 3 months.

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: If you want to apply for a large credit card or a gold or platinum card, it is recommended to provide more financial information. It can be a payroll record issued by the bank, an income tax withholding certificate, or a market value certificate of a house, a car, a deposit and an investment (such as a copy of the property ownership certificate/car driving license/bank large deposit certificate) and other materials that can prove the financial level of the cardholder. Other documents for reference include: personal account list of social insurance in the last 6 months, utilities, credit cards of other banks (which need to be used for more than half a year and have a good repayment record), etc. For reference, it is mainly a copy of the cardholder's large deposit certificate, real estate license and high-end private car driving license. If the cardholder can provide relatively complete financial vouchers, it will be more helpful for the bank to understand the cardholder's personal situation and judge the credit limit, and to approve high-value credit cards or platinum cards.