What are the requirements for applying for a credit card? As long as you meet the following requirements:

1. Age requirements: Chinese residents must be between 18 and 60 years old, and foreigners must be between 25 and 60 years old. between one year old.

2. Job requirements: Have a stable job, income and fixed residence.

3. Credit requirements: no bad credit record.

4. Credit card application information.

What should you pay attention to when using a credit card?

1. Consider the repayment method

For most people, the purpose of using a credit card is for convenience Consumption, therefore how to reasonably plan the repayment process and fully enjoy the revolving credit has become an important part of the use of credit cards.

Network repayment is the most direct way. Compared with small and medium-sized banks, large state-owned banks have more branches. At the same time, self-service banking in these banks is also relatively common, so you can consider self-service repayment.

Agreement on repayment is the most convenient method. Cardholders only need to bind the card to realize the automatic repayment function. In this way, on the repayment deadline, the bank can automatically transfer the outstanding amount from the debit card account to the credit card for repayment, thus avoiding the risk of forgetting to repay. losses caused by the day.

Automatic foreign exchange purchase is the most labor-saving way. Cardholders only need to activate the automatic purchase of foreign exchange in RMB, which is more labor-saving. Before the due repayment date, deposit a sufficient amount of RMB into the credit card account. The RMB deposited each time will automatically be used to repay the current statement due. The excess amount of foreign currency arrears will be used to repay the arrears of the RMB account.

2. Credit card security

Credit card security is of great concern to many cardholders. One of the advantages of credit cards is that when swiping the card for consumption, you do not need to enter a password. Just the cardholder's signature is enough. Many banks have now opened the consumption password function. Cardholders only need to keep their passwords properly. Even if they lose their credit cards, they will not be stolen, because the credit cards will automatically be locked if they enter the password incorrectly three times in a row, and are prone to fraudulent transactions. Monitoring function to detect suspicious transactions instantly. In addition, timely SMS card swiping notifications and zero-risk reporting of losses ensure the safety of cardholders.

It is very necessary to choose a credit card that suits you. It can not only provide you with the convenience of payment when you consume, but also alleviate the problem of shortage of funds. But before applying for a credit card, you must understand Let’s take a look at what are the requirements for applying for a credit card and what are needed to apply for a credit card.