How to apply for a supplementary credit card of China Everbright Bank

Applicants applying for a supplementary card must have the main cardholder sign the application materials in person, record a customer service call, electronically sign or hold a valid certificate. Confirmation in a way recognized by both the cardholder and the card issuer. The card issuer decides whether to approve the applicant's application based on the applicant's application and credit status, whether to require the applicant to provide guarantee and the method of guarantee, and determines the card collection method, type and credit limit.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country.

Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

Extended information

Based on the application information, the bank will examine the applicant's various information and financial situation to determine whether to issue a credit card to the applicant. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand.

The standards of each card issuing bank are also different. Therefore, the same material may be issued with different credit limits in different banks, different types of credit cards, and some banks may even approve it, but Some banks may refuse to issue it.