Applying for credit is actually very simple. First of all, don’t be fooled. If it’s not necessary, don’t go to an individual to apply for it! Because you need to spend money!

1. Each bank has different regulations. Some require five insurances and one housing fund for a minimum of six months. Some require a local account or add five insurances and one housing fund. Others require your spending limit in this bank!

2 The simplest. Local banks (Changsha, CITIC, Communications, Industrial, Minsheng, China Merchants Bank, etc.) can apply for a credit card for you unconditionally, just show your ID card. But I personally don’t recommend it. I think small banks are inconvenient and you will know later. Anyway, there are pros and cons. It depends on personal opinion!

3 Just go to these major national banks! In addition to agriculture, China, and postal services. They will all ask you if you have a regular card from their bank. Then they will look at your consumption records in their bank (that is, your deposit and withdrawal records and limits). If the limit is enough, you can apply for a credit card! I’m not sure about the amount, but I’ve done it! My deposit limit is 50,000. I know it must be much less than that!

4 Now you have five insurances and one fund. The minimum requirement is half a year, and you must have a work certificate (to prove that your job has five insurances and one fund and you are still employed). It would be even better if you are at least a year old!

5 The most difficult thing is agriculture. In China, the postal service requires local household registration and social security (five insurances and one fund) and proof of employment!

6 If you want to apply for a credit card, it’s best to take the time to go to the bank and ask! Every bank has a front desk! It will be clearer if you ask there!

Finally! !

Credit cards stimulate consumption, and overdraft withdrawals carry interest of 0.05%. I personally recommend that you don’t need to apply for it if there is nothing you need to do! This thing is rather troublesome. One card is of little use to the poor. It can only be regarded as a place to borrow money, and you have to pay interest!