1. There are certain age requirements for applying for a credit card: you must have full civil capacity, that is, 18 years old and above;

2. Have legal and stable income and good credit;< /p>

3. Provide corresponding identity documents: copy of ID card or military officer's ID card;

4. Work certification documents. Some banks also require proof of income and financial resources. Proof of financial resources can include a copy of the real estate certificate, a copy of the motor vehicle driving license, a bankbook, etc. Anyway, the proof of financial resources depends on the individual's repayment ability, which is easier to handle;

5. The proof of residence can be a copy of the household registration book, or a certification document issued by the street, or other certification materials. This is easier to do;

6. There is also an application form for applying for a credit card.

Legal basis:

Notice of the People's Bank of China on matters related to credit card business: Bank card clearing agencies should work with card issuers and acquirers to strictly follow the relevant regulatory regulations on bank card business. Further improve the rules and technical standards for credit card transactions. Each card issuer and acquirer should truly reflect and accurately identify business types such as cash withdrawals, cash transfers, cash recharges, etc., completely transmit transaction information, and ensure the authenticity, completeness, traceability and consistency of transaction information in the payment process. , to facilitate card issuers to identify and judge risks and ensure the safety of credit card transactions.

Article 35 of the "Commercial Bank Law of the People's Republic of China": Commercial banks shall strictly examine the borrower's purpose of borrowing, repayment ability and repayment method when granting loans.

Commercial bank loans implement a separation of review and loan approval and a hierarchical review and approval system.

Article 36 of the "Commercial Bank Law of the People's Republic of China": For commercial bank loans, the borrower shall provide guarantee. Commercial banks should strictly examine the repayment ability of the guarantor, the ownership and value of the mortgage and pledge, and the feasibility of realizing the mortgage and pledge.

After review and evaluation by a commercial bank, it is confirmed that the borrower has good credit and is able to repay the loan, and no guarantee is required.

Article 37 of the "Law of the People's Republic of China on Commercial Banks": A commercial bank shall enter into a written contract with the borrower when granting loans. The contract should stipulate the type of loan, purpose of loan, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties deem necessary to agree upon.