Generally speaking, if you only have my ID card, you can't apply. You have to provide at least one of the following. Work certificate, social security or provident fund number, graduation certificate number for fresh graduates, and information on another credit card if you have used a credit card before. Otherwise, there should be no bank to handle your credit card only with your ID card.
You can't apply for a credit card only with your ID card.
Each bank's credit card has its own characteristics. I'll introduce you to the characteristics of several bank credit cards, and you can apply according to your own situation. 1. Bank of Communications credit card, the threshold for card approval is very low. You only need to provide your ID card and your work certificate (that is, work permit, badge, or income certificate stamped with the official seal of the unit, or even the original business card and photocopy of the pass card of the institution). The overdraft limit is general, not very high. Of course, the information you provide is more comprehensive. Moreover, the amount of proof that you own real estate and car products will increase a lot. The interest-free period of Bank of Communications is 56 days, and the points are one yuan, which is easy to accumulate. The handling fee for cash withdrawal without points is 1%, and the minimum 1 yuan is 1% for each transaction, that is to say, you will receive 1 yuan for cash withdrawal of 1,, and 1 yuan for cash withdrawal of 1, except YONG-POWER card. You can apply for installment repayment for a single purchase of more than 1,5 yuan. There is no free SMS reminder function, and the monthly transaction reminder SMS service in 3 yuan. 2. Minsheng Bank credit card has higher requirements for card approval than Bank of Communications, and you who are not from this city are not allowed to approve the card at present. Some people who discriminate against rural household registration have a slightly higher overdraft limit than other banks, and the longest interest-free period for consumption is 5 days. There is no handling fee for withdrawing cash at the local teller machine of Minsheng Bank. The billing date and repayment date of Minsheng Bank can be set by itself, and the redemption of points is at the upper-middle level. 3. China Merchants Bank's credit card is the first brand of credit cards in China, and its card circulation is second only to ICBC's overdraft limit, which is relatively higher than that of Bank of Communications. Compared with Minsheng Bank and China Everbright Bank, of course, the longest interest-free period for consumption mainly depends on your property and income is 5 days, and the minimum cash withdrawal fee is 1%, which is the same as the cash withdrawal fee of Bank of Communications. The online mall is relatively good, and the installment repayment is convenient. According to the current credit card ownership, I have always been particularly satisfied with the customer service of China Merchants Bank's credit card, and the credit card reputation is good. 4. China Everbright Bank's credit card has a low threshold for card approval. My Everbright Credit Card didn't ask for my work certificate and property certificate. The overdraft limit is very high, basically higher than any other bank. The longest interest-free period is 5 days, and the withdrawal fee is 1%. The lowest 3 yuan is the lowest automatic installment function for all other banks. After the automatic installment function is enabled, every time you swipe your card, no matter how much you swipe your card, it will be automatically divided into 12 installments, which is more human-friendly and free SMS reminder function. Every transaction is automatically sent to your mobile phone without any charge. I heard that the customer service of Everbright Credit Card is not good, but now it is relatively perfect. At least, when I can't get through the customer service phone, I can use Lakala convenience outlets to repay directly. The credit card approval threshold of the four major state-owned banks in real time is relatively high, and the service is relatively poor. However, ICBC's credit card issuance is the highest in the country, and I have mailed five credit cards directly to me. Of course, I have not enabled any of them. I heard that the credit card of China Construction Bank can also be used; The credit card quota of state-owned banks will not be too high, because their funds are relatively abundant, and they don't pay too much attention to credit card business. Besides, I don't handle credit cards of CITIC Bank anyway, and the handling fee for withdrawing cash is the lowest in 3 yuan, and the handling fee for withdrawing cash is the highest for all other banks. The credit cards of Pudong Development and Guangfa are mainly for high-income people, and there are relatively few outlets. I am not familiar with other characteristics. (Only ID card)
No.. The easiest credit card to handle now is CITIC Bank's. And a wide card. And the bank of communications. Which bank can I go to for a credit card only with my ID card?
Only my ID card can't be used for a credit card.
to apply for a credit card, the following conditions are required:
(1) files that must be provided
1. Identity certificate files
Domestic residents: photocopies of the applicant's identity certificate or military officer's card.
Overseas residents: (A and B must be provided at the same time) A, Hong Kong and Macao residents should provide photocopies of their certificates of return to their hometowns, Taiwan Province residents should provide photocopies of their passports, and other foreigners should provide photocopies of their passports. B. duplicate copy of domestic residence certificate or temporary residence certificate
2. Work certificate and receipt certificate file
A. Work certificate file: photocopy of work permit or work identification certificate or original work certificate stamped with the official seal of the unit.
B, income certificate file: the salary record (photocopy of the statement of the salary card) issued by the bank in the last three months or the photocopy of the personal income tax withholding certificate or the original income certificate issued by the company.
(2) Other supporting documents (please provide them as much as possible, which will help to increase the credit limit)
Education background, professional title, professional qualification certificate, self-owned real estate license, self-owned car driving license, photocopies of bank time deposit certificates, any original documents of telephone, water, electricity and gas charges in the last three months of your current residence, and other bank credit card supporting documents (original statements of the last three periods), etc.
credit card processing flow:
1. Fill in the application form;
2. Information and photocopies for the bank itself;
3. The bank sends it to the credit card center;
4. The credit card center conducts auditing, card making and issuing;
5. After getting the card, open the card and wait for the password letter. Can I apply for a credit card at Bank of Communications only with my ID card?
Only with my ID card, I can't apply for a credit card.
when you apply for a credit card, you need to submit your ID card and other supporting materials before you can apply for a credit card. Banks attach great importance to the repayment ability of applicants. It is best to provide proof of work or income to prove that they have a fixed job and a stable income, and can repay the credit card arrears in time, so as to pass the bank's audit.
Only with the ID card, the bank staff are not sure whether the applicant has the repayment ability. If a credit card is issued, it may not be able to repay the debt generated by the credit card, which is very risky.
according to the regulations of the bank, you can apply for a credit card only if you are 18 to 7 years old and have full capacity for civil conduct.
to apply for a credit card, the following conditions are required:
(1) files that must be provided
1. Identity certificate files
Domestic residents: photocopies of the applicant's identity certificate or military officer's card.
Overseas residents: (A and B must be provided at the same time) A, Hong Kong and Macao residents should provide photocopies of their certificates of return to their hometowns, Taiwan Province residents should provide photocopies of their passports, and other foreigners should provide photocopies of their passports. B. photocopy of domestic residence certificate or temporary residence certificate
2. Work certificate and income certificate file
A. Work certificate file: photocopy of work permit or work identification certificate or original work certificate stamped with the official seal of the unit.
B, income certificate file: the salary record (photocopy of the statement of the salary card) issued by the bank in the last three months or the photocopy of the personal income tax withholding certificate or the original income certificate issued by the company.
(2) Other supporting documents (please provide them as much as possible, which will help to increase the credit limit)
Education background, professional title, professional qualification certificate, self-owned real estate license, self-owned car driving license, photocopies of bank time deposit certificates, any original documents of telephone, water, electricity and gas charges in the last three months of your current residence, and other bank credit card supporting documents (original statements of the last three periods), etc.
credit card processing flow:
1. Fill in the application form;
2. Information and photocopies for the bank itself;
3. The bank sends it to the credit card center;
4. The credit card center conducts auditing, card making and issuing;
5. After getting the card, open the card and wait for the password letter.
Can I apply for a credit card in a bank only with my ID card?
If I apply for a CMB credit card, I can't apply only with my ID card. I need a local CMB, aged 18-6. If I can provide my ID card, work certificate and income proof, I can try to apply. Is it okay for ICBC to handle credit cards only with ID cards?
Apart from ID cards, passports and soldier's cards are valid identification documents for handling credit cards. Only in which bank can I apply for a credit card with my ID card?
It's not difficult to apply for a credit card without a work certificate. It's easy to apply for a few thousand credit cards. Find a photocopy shop with a ready-made work certificate and ask him to print one for you. It's OK to stamp it with an official seal. Can I apply for a credit card with my ID card in a bank?
I suggest consulting a local bank, which may have such a project.
There will be many small loan companies outside, but you must pay attention to your choice.
safety comes first.
Go to the bank or find an agent, and the intermediary
Try not to borrow money from an unfamiliar intermediary company, which is easy to be copied for cash withdrawal.
good luck! Please accept the answer and support me. Please ask me if you have any questions. Thank you for your support. O(∩_∩)O~ Only ID cards can be used for credit cards?
you can't apply for a credit card just by your ID card. Application conditions of China Merchants Bank Credit Card: The applicant should be 18-6 years old (foreigners are 25-6 years old), have certain economic ability and have a good credit record. Please refer to the actual audit of the bank for the credit card application results.
information: credit card application and photocopies of the front and back of ID card (foreigners: passport and residence permit or employment permit; Taiwanese: Taiwanese certificate and employment certificate; Hong Kong and Macao people: Home Visit Permit and Employment Permit/Residence Permit) and the work certificate file issued by the unit.
In addition, it is helpful to improve the credit limit by providing the following information, such as: photocopies of the running list of China Merchants Bank's savings account in the past three months; Original proof of asset balance of wealth management account opened by China Merchants Bank; Photocopy of real estate license (including my name)+photocopy of any water, electricity and coal invoice documents of the property in the past 3 months; Photocopy of my car driving license.