knowledge about handling credit cards:
1. In most cases, citizens who have full civil capacity (citizens aged 18-6 in Chinese mainland) and have certain direct financial resources can apply for credit cards from the issuing bank.
2. Apply for a bank credit card: As long as the applicant works in a company (that is, has direct financial resources) and is over 18-6 years old, he can issue a work certificate and income certificate to the bank (at present, Guangfa Credit Card does not need to issue a work certificate, as long as the cardholder has a shift in one place, he can contact the card clerk to apply for Guangfa Credit Card on time).
3. Domestic residents need to provide: a complete and signed application form, identification documents and income documents; Foreigners and Hong Kong, Macao and Taiwan people also need to provide: a residence permit for foreigners (the reason for residence must be employment) or an employment permit for foreigners/Hong Kong, Macao and Taiwan people; If you are a private owner, in addition to the above information, you should also provide a copy of the business license showing the name of the applicant, the name of the enterprise and the date of starting business (this premise requires that you are the legal representative of the business license).
4. If you want to apply for a large credit card (such as a platinum card), you need to provide proof of good economic strength, such as a copy of the real estate license and a copy of the automobile driving license (not a driver's license); Copy of large deposit certificate, etc.
5. Relatively speaking, the national joint-stock commercial banks are easier to run than the five state-owned banks.
6. There is no charge for handling credit cards. Whether it can be approved or not is subject to the final audit result of the bank.
7. Youth card (Bank of Communications, China Merchants Bank, etc.): If you graduated in 23, have a college degree or above recognized by the State Education Commission, have a regular job, and are between the ages of 18 and 3, you can apply for it only by your ID card (contact the card salesman).
8. At present, many banks can apply for campus credit cards (there is no limit, so you need to deposit before spending). If college students can find a part-time job between schools, they can issue a work certificate and income certificate to the bank, or try to apply for a credit card with a limit (that is, the off-campus version).
China merchants bank young card youth edition is divided into campus edition and off-campus edition.
Application for Campus Edition: College students who are over 18 years old and under 3 years old can apply. Before the cardholder graduates, the credit line will be temporarily sealed (there is no credit line). By depositing first and then spending, the cardholder can normally enjoy the benefits of China Merchants Bank credit card such as catering discount, movie ticket discount and point accumulation, and can additionally enjoy the exclusive rights of campus credit card such as specific fee reduction *. You can also accumulate personal credit records from the time you study, and you will have the opportunity to enjoy a higher credit limit after graduation.
For off-campus version, please refer to the application method of ordinary credit card (during school, you can find a job, issue a work certificate and income certificate to the bank or apply for off-campus version).
The application materials (identity certificate, work certificate and financial proof) that should be prepared for handling a credit card:
1. Identity certificate: usually an ID card (if a new version of the ID card is used, a copy of the front and back is required); Soldiers are required to provide a copy of their military ID cards; Foreigners: passport and residence permit or employment permit; Taiwanese: Taiwanese certificate and employment certificate; Hong Kong and Macao people: Home Visit Permit and Employment Permit/Residence Permit); Temporary id card needs a copy of the second-generation temporary id card and household registration book valid for more than 3 months.
2. Work certificate: it can be the original work certificate issued by the employer (please specify the specific company name, department, position and income, and affix the official seal or personnel seal of the company), or a copy of the work permit \ card verified by the promoter and marked;
3. Proof of financial resources: If you want to apply for a large credit card or a gold card, platinum card or above, it is recommended to provide more financial information. It can be a payroll record issued by the bank, or an income tax withholding certificate, or a certificate of the market value of the house, car, deposit and investment (such as a copy of the real estate license/car driving license/bank large deposit certificate) and other materials that can prove the financial level of the cardholder. Other documents for reference include: personal account list of social insurance in recent 6 months, water and gas bills, credit cards of other banks (which need to be used for more than half a year and have a good repayment record), etc. For reference, it is mainly the large deposit slip of the cardholder, the real estate license and the copy of the driving license of the high-end private car. If the cardholder can provide relatively complete financial documents, it will be more helpful for the bank to understand the cardholder's personal situation and judge the credit limit, and approve high-value credit cards or platinum cards.
Credit card processing channels mainly include:
1. Bank counter application (ID card, work certificate and income certificate need to be prepared);
2. Credit card application in official website;
3. Apply to the bank credit card salesman (at present, Guangfa Credit Card does not need to issue a work certificate, just contact the card salesman and you can apply for Guangfa Bank credit card);
4. you can apply on wechat (the same is true for other banks):
industrial bank: wechat search WeChat official account pays attention to "industrial bank credit card center" and click "micro-card establishment"-"apply now".
guangfa bank: wechat search WeChat official account pays attention to "guangfa credit card" and click "my service"-"I want to apply for a card".
China merchants bank: wechat search WeChat official account pays attention to "China merchants bank credit card", and click "I want it"-"apply for a card and recommend it".