The most important conditions for applying for a credit card are that you must be over 18 years old and have a stable source of income. If you reach this age, but you have no job and no stable source of income, you cannot apply for a credit card. You can ask your parents to apply for one, and then apply for a secondary card for you, which is more convenient.

The required materials for applying for a credit card are:

1. Credit card application form (available at the bank window)

2. Original and copy of ID card (can be Bring the originals to the bank to make copies for you)

3. Proof of employment and income (these must be stamped by the employer)

4. Those with non-local household registration also need to provide proof of residence.

5. Individuals must also provide the following materials: a verified business license or tax registration certificate that proves they have been operating for more than two years; a business premises contract or a certificate of ownership (that is, a real estate certificate).

If you have already handled business at that bank, it would be better to provide it.

If you have that bank’s online banking, you can also choose to apply online.

You can also call the bank’s 24-hour service hotline for consultation.

About the credit card application conditions, the description is as follows:

1. The applicant should be between 18 and 60 years old (25 to 60 years old for overseas residents), have certain financial ability and have a good credit record .

2. The applicant for the supplementary card is 14 years old (inclusive) or above. The main cardholder can apply for the supplementary card for immediate relatives (parents, spouse or children).

The application conditions for China Merchants Bank credit cards are relatively loose. If you want to apply for a higher credit limit, please prepare some financial proof materials after completing the online application, which can be salary records issued by the bank or income tax deductions. Payment certificate (tax certificate), or documents proving the market value of houses, cars, deposits and investments, etc. that can prove your financial level. The real estate certificate must contain the name of the person or his spouse, with proof of relationship; the car driving license must be in the name of the person.