The review requirements of China Guangfa Bank and China Merchants Bank are not very high. As long as the quota and rights are not required, unit certificates should not be required. Generally speaking, ID cards and income statements are enough.
You can also provide original income certificates, original bank deposit certificates, or copies of income tax withholding certificates, etc. It doesn't matter if you have a house, a car, or other financial resources.
The most important conditions for applying for a credit card are:
① Aged 18-60;
② Have a stable job and income;
< p>③ The necessary application documents are copies of identity certificates and work certification documents;④ Provide other financial support documents.
The detailed application information is as follows:
1. Proof of identity: usually an ID card (if you are using a new version of the ID card, a copy of the front and back is required), military personnel need to provide a military ID card Copy;
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 stamp the company seal or personnel seal), Or a copy of the original and marked work permit that has been verified by the promoter;
3. Proof of financial resources: it can be salary records issued by the bank, or income tax withholding certificates, or houses, cars, deposits and Documents proving investment market value (such as real estate certificate/car driving license/copy of bank time deposit certificate) and other materials that can prove your financial level;
4. Other documents available for reference include: nearly 6 Monthly social insurance personal account list, water and gas bills, credit card bills from other banks, etc.
:
1. My credit has been overdue several times. Can I still apply for a credit card?
If you are only overdue a few times, or the overdue amount is very small, there will be no problem applying for a new card. But if you are overdue for more than three months, it is already seriously overdue, will produce a bad record, and will be blacklisted! After this, the bank will not approve a new card for you, nor will you be able to get a loan, so you must cherish your personal credit when using a credit card.
If you have an overdue card, but it is not serious, you can still apply for a new card. However, it is not recommended to go to one of the four major state-owned banks, China ICBC Jiannong, as their approvals are stricter and have more requirements. You can provide more proof of financial resources and guarantees, such as houses, cars, bank deposits, etc. in your name, and then find a joint-stock bank with smaller specifications and lower thresholds. Personally, I think China Guangfa Bank and China Merchants Bank is pretty good