In most cases, citizens with full capacity for civil conduct and college students with or without direct financial resources can apply for credit cards from the issuing bank.

Specific process:

1. application

Fill in the credit card application form and submit certain certificates and photocopies to the issuing bank. Please don't apply if you don't have certain repayment ability.

Step 2 release

Under normal circumstances, the bank will examine the applicant's credit and economic status from various aspects according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.

Issue cards

After the applicant successfully applies for a credit card, the issuing bank will open a separate credit card account for the cardholder at the issuing bank for shopping, consumption and settlement after cash withdrawal.

Open the card

Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements. At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card.