The application of a credit card has nothing to do with whether you have a bank card (bank cards include credit cards and debit cards, but the bank cards we usually refer to usually refer to debit cards). The primary conditions for applying for a credit card are that the applicant is between 18 and 60 years old, has a stable job, and has a direct source of income. And because many people will provide bank card statements to the bank when providing personal income information, some customers may think that it may be difficult to provide bank statements without a savings card.

Moreover, you can apply for a credit card without a savings card. You need a local China Merchants Bank, and you are 18-60 years old. If you can provide your ID card, work certificate and income certificate, you can try to apply. If you apply for a car card, you need additional Attach a copy of the driving license in your name. If the local branch has clear regulations, the regulations of the local branch shall prevail. The issuance of the credit card shall be subject to the final review result. Usually, the limit for online credit card applications is not too high, but the most important factor affecting the credit card limit is the customer's qualifications. Personal qualifications are no problem. It is common for online credit card applications to be approved for more than 50,000 yuan. If you don’t have too many requirements on the credit limit and maintain good card usage habits after the card is successfully approved, the credit card limit will also increase quickly. It is recommended not to not activate your credit card just because your credit limit is low. The credit limit is low because your qualifications are not good enough. If you don’t activate your card too many times because your credit limit is low, it may affect your future card applications.

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In addition, you can log in to the credit card website and select "Credit Card Application" - "New Customer Application Channel" , apply through the "Easy appointment, door-to-door application" online banking application appointment platform, fill in the simple appointment information online, and wait for the bank's review. If the review is passed, our bank will first conduct a preliminary review. If the preliminary review is passed, there are 2 follow-up card application procedures, one If you pass the preliminary review, the card application staff will contact you to pick up the card; the other is that you will receive a text message notification from our bank and ask you to go to the branch to sign and confirm the application. The details will be subject to the notification from our bank after the preliminary review is passed.