Not necessarily. There are other conditions that must be met to apply for a credit card.
The processing methods of credit cards in various banks are similar, so you can refer to them.
Related knowledge of handling credit cards:
1. In most cases, citizens with full capacity for civil conduct (Chinese mainland1citizens aged 8-60) can apply for a credit card from the issuing bank with a certain direct source of income.
2. Handling a bank credit card: As long as the applicant works in the company (that is, has direct financial resources) and is over the age of 18-60, he can issue a work certificate and income certificate to the bank (at present, Guangfa Credit Card does not need to issue a work certificate, as long as the cardholder has shifts in one place, he can contact the card handler to handle the Guangfa Bank credit card on time).
3. Domestic residents need to provide: a completed and signed application form, identity certificate and income certificate; Foreigners and Hong Kong, Macao and Taiwan people also need to provide: a foreigner's residence permit (the reason for residence must be employment) or a foreigner/Hong Kong, Macao and Taiwan people's employment permit; If you are a private owner, in addition to the above information, you should also provide a copy of the business license showing the applicant's name, enterprise name and opening date (this premise requires that you are the legal representative of the business license).
4. If you want to apply for a large credit card (such as a platinum card), you need to provide proof of good economic strength, such as a copy of the real estate license and a copy of the automobile driving license (non-driving license); Copy of large deposit certificate, etc.
Relatively speaking, national joint-stock commercial banks are easier to handle than the five major state-owned banks.
6. There is no charge for handling credit cards. Whether it can be approved is subject to the final audit result of the bank.
7. Youth card (Bank of Communications, China Merchants Bank, etc.). ): I graduated in 2003. I have a college degree or above recognized by the State Education Commission. I have a regular job. I am between the ages of 18-30. I only need my ID card to apply (contact the card seller).
8. At present, many banks can apply for campus credit cards (there is no quota, so you need to deposit before spending). If college students can find a part-time job between schools, they can issue proof of work and income to the bank, or try to apply for a limited credit card (that is, the off-campus version).
China Merchants Bank young Card Youth Edition is divided into campus version and off-campus version.
Campus version registration: 18-year-old and under 30-year-old college students can register. Before the cardholder graduates, the credit line will be temporarily sealed (there is no credit line). By depositing first and then spending, cardholders can normally enjoy the benefits of China Merchants Bank credit card, such as catering discount, movie ticket discount, point accumulation, etc., and can also enjoy the exclusive rights of campus credit cards such as specific fee reduction *. You can also accumulate personal credit records from the time of study, and have the opportunity to enjoy a higher credit line after graduation.
Please refer to the application method of ordinary credit card for the off-campus version (you can find a job during school, issue a work certificate and income certificate to the bank or apply for the off-campus version).
Application materials (identity certificate, work certificate, financial certificate) to be prepared for handling a credit card:
1, identification: generally an ID card (if you use a new ID card, you need a copy of the front and back); Require soldiers to provide copies of military identity cards; Foreigners: passport and residence permit or employment permit; Taiwan Province people: Taiwanese certificate, employment certificate; Hong Kong and Macao people: Home Visit Permit and Employment Permit/Residence Permit); Temporary id card needs a copy of the second-generation temporary id card and household registration book valid for more than 3 months.
2. Work certificate: it can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and affix the official seal or personnel seal of the company), or a copy of the work permit/card verified and marked by the sponsor;
3. Proof of financial resources: If you want to apply for a large credit card or a gold or platinum card, it is recommended to provide more financial information. It can be a payroll record issued by a bank, an income tax withholding certificate, or a market value certificate of a house, a car, a deposit and an investment (such as a copy of a real estate license/car driving license/bank deposit certificate) and other materials that can prove the financial level of the cardholder. Other documents for reference include: personal account list of social insurance in the last 6 months, utilities, credit cards of other banks (which need to be used for more than half a year and have a good repayment record), etc. For reference, it is mainly a copy of the cardholder's large deposit certificate, real estate license and high-end private car driving license. If the cardholder can provide relatively complete financial vouchers, it will be more helpful for the bank to understand the cardholder's personal situation and judge the credit limit, and to approve high-value credit cards or platinum cards.
Credit card processing channels mainly include:
1, bank counter application (ID card, work certificate and income certificate need to be prepared);
2. Credit card application in official website;
3. Apply to the bank credit card salesman (at present, Guangfa Credit Card does not need to issue a work certificate, just contact the card salesman to apply for Guangfa Bank Credit Card);
4. You can apply on WeChat (as can other banks):
Industrial Bank: WeChat search WeChat official account pays attention to "Industrial Bank Credit Card Center" and clicks "Micro Card"-"Apply Now".
Guangfa Bank: WeChat searches the official account of "Guangfa Credit Card" and clicks "My Service"-"I want to apply for a card".
China Merchants Bank: WeChat search WeChat official account pays attention to "China Merchants Bank Credit Card" and clicks "I want it"-"Card recommendation".