Second, apply for a credit card:
(1) How to handle credit cards:
1. Go to the bank's business outlets, and the bank staff will help you complete the operation;
2. To apply for a credit card at a bank in official website, just search your favorite bank on the computer, such as "Industrial and Commercial Bank of China". After entering, you can see the credit card column, and then follow the prompts to apply for a credit card;
Note that to apply for a credit card, you must be at least 18 years old, have a stable source of payment and have a good credit. These are the conditions that must be met in applying for a credit card. If you don't meet the requirements of the bank, you will be refused to apply for a credit card.
(2) Conditions for handling credit cards:
Because credit cards have the function of overdraft, that is to say, you can shop by credit card without money, so not everyone can apply for credit cards, and banks only issue credit cards to people they think are honest. Compare and see if you meet the requirements for issuing credit cards by banks:
1, aged between 18 and 65;
2. Have a stable occupation and income;
3. Have good credit and the ability to repay the principal and interest on time;
4. Natural persons with full capacity for civil conduct (robots, vegetarians, minors and people with a certain degree of mental illness are not allowed).
(3) The materials to be provided are as follows:
1. required information: identification documents.
(1), domestic person: a copy of the applicant's ID card or military officer's card;
(2) Overseas people: compatriots from Hong Kong, Macao and Taiwan provide copies of passports, and other foreigners provide copies of passports.
2. Other supporting documents (please provide as much as possible to help improve your credit limit).
(1) Work certificate
Copy of work permit or work identity card (work permit), original business card and original work certificate stamped with the official seal of the unit.
(2) proof of income
The salary record issued by the bank in the last three months (copy of the salary card statement) or the copy of the personal income tax withholding certificate issued by the unit or the original income certificate.
(3) Copies of education certificate, professional title certificate, professional qualification certificate, self-owned real estate license, self-owned car driving license, time deposit certificate and other materials, as well as the original documents of telephone, water, electricity and gas charges in the last three months of the current residence, and credit card certification documents of other banks (original statements of the last three periods) and other materials.
I suggest that before you apply for a credit card, you can call the credit card customer service number in advance to inquire about the "requirements for handling a credit card" of your favorite credit card issuer, or you can log on to the website of the credit card center to inquire about the specific conditions for handling a credit card and what materials you need to provide.