In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank.

After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

The extended information is similar to consumer financial products such as ant flower buds and JD.COM white bars. As long as this credit is reported, just like a bank credit card, intensive application or excessive application within a period of time may be regarded as the risk of multiple loans by banks.

For example, a person's credit card and consumer financial products add up to 400,000, but his usual consumption does not exceed 50,000, but the bank can't see the daily consumption from the credit information system, only knowing that you already have the limit of 400,000, and the bank will worry that raising the limit will exceed the cardholder's repayment ability.

If a person intensively inquires about personal credit information for a period of time, it may also make the bank feel that "this person is very short of money", thus causing vigilance.

Baidu encyclopedia-credit card

People's Daily Online-Top N Reasons for Rejecting Credit Card Applications: Flowers and White Stripes "Accidentally Injure" Credit.