Problem description:

Recently, I want to apply for a credit card of China People's Bank, but I heard from friends that it is very difficult to do it, and I need to provide a guarantor. Have any friends done it before? What is the procedure?

Analysis:

Who can apply for a BOC credit card?

All China citizens who have reached the age of 18, have full capacity for civil conduct, have a legally stable income, foreigners who have the right of abode in China, and compatriots from Hong Kong, Macao and Taiwan can apply for BOC credit cards locally. You can also apply for supplementary cards for 16-year-old immediate family members, with no more than 3 cards per household.

How to fill in the application form?

You can get an application form from the bank or download it from the Internet (six pages in total: [1] [2] [3] [4] [5] [6]) to fill in.

You need to fill in the application form in block letters with a blue or black pen or signature pen and sign it truthfully and in detail. The application form is a formal legal document, please don't sign it.

Do you need to submit other information?

Please attach the following necessary documents when submitting the application form, so that we can accept your application in time and accurately evaluate your credit status.

Identification documents: if the applicant for the main card and the supplementary card is a domestic resident, a copy of the resident ID card or military officer's card must be provided; If you are a foreigner or a person from Hong Kong, Macao and Taiwan, you must provide a copy of your passport, residence permit, Hong Kong and Macao identity card and Taiwan Province compatriots' home visit permit; We accept 18-65 age group's main card application and 16 age group's supplementary card application;

Proof of financial resources: a payroll or income certificate issued for the applicant's work unit (with the company's financial stamp required), or a copy of the salary passbook/bill issued by the bank on behalf of the applicant (with the information of the last three months' salary entry), or a copy of the personal income tax withholding certificate;

Proof of permanent residence: it can be a copy of the applicant's household registration card (book), a copy of the latest bill of water, electricity, gas and fixed telephone charges (choose one), or other proof materials that can prove that the applicant has a permanent residence address;

Providing the following documents will help us to accept your application quickly and provide you with a high-value quota;

One copy of the monthly statement of your credit card in the last two to three months (optional)

A copy of your own property certificate (optional)

One original and one copy of your motor vehicle driver's license (optional)

One copy (discount) of your time deposit certificate (current deposit certificate) (optional)

If you want to apply for a photo card, your one-inch bareheaded color photo (optional).

When can I get the card?

Please call the 24-hour customer service hotline of BOC Credit Card at (86) 40066-95566/86-10-* * * * *. The standard processing time for ordinary applications is 65,438+00 working days. Depending on the length of the journey, the time received by members who successfully apply for BOC Credit Card may be 1-2 days. If you still haven't received the China Bank Credit Card after 7 days of application approval, please contact the China Bank Credit Card Customer Service Center immediately to ensure your rights and interests.