Generally speaking, applicants must be at least 18 years old, and China people with full capacity for civil conduct, legal and stable sources of income and good credit standing. Foreigners with permanent residency in China and compatriots from Hong Kong, Macao and Taiwan can apply to the card issuer for overdraft card with their valid identity documents.

Second, overdraft card application process

1, enter the bank credit card center and choose your favorite card;

2. Fill in the application materials;

3. The bank sends it to the credit card center;

4. The credit card center conducts audit, business card printing and card issuance;

5. After getting the card, open the card and wait for the password letter to activate the card.

You can choose several ways to repay overdraft card:

Intra-bank repayment: repayment methods mainly include: counter of issuing bank, ATM, online banking, automatic transfer, telephone banking, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.

Mobile phone repayment: Mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer by credit card. Arrive immediately!

Convenience Store Repayment: Convenience Store Repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.

Online repayment: The common online repayment methods in China are Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay and Yifubao. Choose different platforms and banks, and the charging standards and specific arrival time are different.