Hello, the all-in-one card is a debit card, and the credit card is an overdraft card. Deposit cards require deposits first and consumption later. The credit card bank will give you an overdraft limit, you can spend the money first and then pay it back to the bank.

Ordinary all-in-one card account opening: Chinese citizens who are over 16 years old and living in the country can open an account with the original ID card of the People's Republic of China or the original temporary resident ID card. (When applying as an agent, you need to present the original valid ID cards of both persons.) It is recommended to confirm with the local counter before applying to see if supplementary documents are required. There is currently no fee to apply.

The most important conditions for applying for a credit card are to be 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 proof Documents will help us better understand your personal situation and determine your credit limit.

Detailed application information is 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 is required), military personnel need to provide a military ID card Copy;

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 stamp it with the company seal or personnel seal), Or a copy of the original and marked work permit that has been verified by the promoter;

3. Proof of financial resources: it can be salary records issued by the bank, or income tax withholding vouchers, or houses, cars, deposits and Documents proving the investment market value (such as real estate certificate/car driving license/copy of bank time deposit certificate) and other information 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.

If you have other questions, it is recommended that you consult "Customer Service Online"/cmu/icslogin.aspx?from=B&logincmu=0. Thank you for your attention and support!