Basic conditions for applying for a credit card

1, must be at least 18 years old and have full capacity for civil conduct.

2. Have a good credit record.

3. If you have a job and income, let the bank know whether you have repayment ability.

No social security to apply for a credit card

You can still provide identification, monthly bank spending and proof of your financial resources (deposits, real estate, etc.). ) try to apply. It is recommended to apply for a commercial bank credit card first, because the application threshold is low and the possibility of withdrawal is high.

Extended data:

N reasons why credit card applications are rejected.

1, the "accidental injury" credit of Bai Hua and IOUs.

There is a saying in the industry that each person can only apply for eight credit cards at most, and the ninth one will not be successfully approved. This statement can't stand scrutiny. It is understood that someone has handled nearly 200 credit cards. Although many of them have been cancelled, there are still more than 10 in hand.

However, some people only have one or two credit cards, and their application for a new card is rejected by the bank. An enthusiastic reader told today's beijing business today reporter that he was rejected when applying for a credit card of a joint-stock bank, but his job has been stable. Two credit cards from other banks have never been overdue, and he will repay them in advance even if he is on a business trip. However, the netizen also revealed that in order to facilitate online shopping, he recently opened Ant Garden and JD.COM Baitiao.

2. Frequent personal credit inquiries

If a person intensively inquires about personal credit information for a period of time, it may also make the bank feel that "this person is very short of money", thus causing vigilance.

One situation is that credit cards and other microfinance tools are used too frequently. A netizen said that she applied for more than a dozen bank credit cards in one breath in a certain period of time, feeling that there was no cost, just filling out several application forms, but after a while, she applied for a very important loan, but was rejected for a second.

It is understood that her personal credit report was queried 12 times within one month, respectively from various credit card issuing banks. According to industry insiders, if the credit report is inquired many times, the bank will think that the applicant is in urgent need of funds and the potential default risk is greater.

3. The contact information is not my real name.

In the process of approving credit cards, it is very important for banks to check the information with the applicant by telephone after checking whether there are past overdue records, personal work, income level and so on. However, there will be many problems in this link.

People's Daily Online-Top N Reasons for Rejecting Credit Card Applications: Flowers and White Stripes "Accidentally Injure" Credit.