The difference between credit card and debit card is:

Credit card has installment payment function, but debit card does not;

Credit card can make purchases in advance and then repay. Debit cards must be deposited before consumption;

Credit card purchases can accumulate points, which can be redeemed for free goods in the points mall. Debit cards do not have this function;

Use credit cards and have good records , which can accumulate credit for the future and be beneficial to future loans.

Debit card application conditions:

If you are under 16 years old, your guardian will accompany you with your ID card and household registration book;

If you are 16 years old or above, you must hold a guardian Just show your ID card.

The process of applying for a bank card:

Go to a bank branch with your ID card and a small amount of cash;

Fill in the form with the assistance of the bank lobby staff ;

Quine up to get a number, and at the same time copy the ID card with the assistance of the staff;

Calling the number at the counter, go to the counter, hand the completed form and ID card to the bank teller, and apply When applying for the card, you will need to sign and enter a password. The password is a six-digit number. After setting it, you need to remember it. This will be the password for future withdrawals;

After all the procedures are completed, you will get a bank card. If When you handle online banking at the same time, you will get a USB shield at the same time;

Complete the card application, just take your belongings and leave.

Credit card application conditions:

Age 18 to 65 years old;

Requires second-generation ID card;

Yes Proof of employment and income certificate stamped with the financial seal of the unit;

No bad credit record;

Other proof of financial resources, such as real estate, cars, stocks, bonds, etc.

Credit card application process:

Fill in the application form;

Give the bank personal information and a copy of the information;

Send it to the bank To the credit card center;

The credit card center will review, print and issue the card;

After I get the card, I will open it and wait for the password letter.

Summary: Being over 18 years old is a mandatory requirement for applying for a credit card, but without proof of employment, it is easy to be rejected when applying for a credit card. Therefore, if you do not have an employer, it is best to have real estate under your name, or For fixed assets such as cars or if you have a stable source of income, you can also go to the bank where the transaction occurs to obtain a bank statement and apply to the bank. If your income source is relatively stable, your application success rate is still very high.