Credit card application conditions

What are the requirements for applying for a credit card

1. There are certain age requirements for applying for a credit card: you must have full capacity for civil conduct, that is, 18 years old or above;

2. Have legal and stable income and good credit;

3. Provide corresponding identification documents: a copy of ID card or military officer's card;

4. Work certificate. Some banks also need to provide proof of income and financial resources. Proof of financial resources can include a copy of real estate license, a copy of motor vehicle driving license, passbook, etc. Anyway, the financial proof depends on the individual's repayment ability, which is easier to handle;

5. The proof of residence can be a copy of the household registration book, a certificate issued by the street or other proof materials. This is easier to do;

6. there is also an application form for applying for a credit card.

Legal basis:

Notice of the People's Bank of China on matters related to credit card business: Bank card clearing institutions should further improve the rules and technical standards of credit card transactions in strict accordance with the relevant regulatory provisions on bank card business, together with card issuers and acquirers. All card issuers and acquirers should truly reflect and accurately identify business types such as cash withdrawal, cash transfer and cash recharge, and completely transmit transaction information to ensure the authenticity, integrity, traceability and consistency of transaction information in the payment process, so as to facilitate card issuers to identify and judge risks and ensure the security of credit card transactions.

article 35 of the law of the people's Republic of China on commercial banks: when issuing loans, commercial banks should strictly examine the borrower's loan purpose, repayment ability and repayment method.

commercial bank loans are subject to the system of separation of loan examination and grading approval.

article 36 of the law of the people's Republic of China on commercial banks: the borrower shall provide a guarantee for the loan of a commercial bank. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral.

after examination and evaluation by the commercial bank, it is confirmed that the borrower has good credit standing and can repay the loan, and no guarantee is required.

article 37 of the law of the people's Republic of China on commercial banks: a commercial bank shall conclude a written contract with the borrower when granting loans. The contract shall stipulate the type, purpose, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties think need to be agreed.

What are the requirements for applying for a credit card

The necessary conditions for applying for a credit card are: 1. The applicant has reached the age of 18 and has full capacity for civil conduct; 2. The applicant has a stable job and income, and has the ability to repay credit card arrears on time; 3. The applicant's personal credit status is good.

applicants who meet the above basic conditions have the opportunity to apply for an ordinary credit card. There are different grades of bank credit cards, usually including general card, gold card, platinum card, etc. Among them, the general card is the easiest to apply for. If you apply for a credit card with gold card or above, you generally need the applicant to provide some financial proof materials. If it is the first time to apply for a credit card and my income is not high, it is suggested that it will be easier to apply for a general card.

If you have not met the requirements for applying for an ordinary credit card, you can apply for a supplementary card through your parents or spouse. To apply for a supplementary card, you must meet the following conditions: 1. A natural person with full capacity for civil conduct or limited capacity for civil conduct; 2. Applicants for supplementary cards who are over 13 years of age and under 16 years of age must provide a copy of their household registration book when applying.

Some tips for applying for a credit card: 1. Choose a suitable bank. At present, all major banks issue credit card products. Usually, the application threshold of commercial banks such as Bank of Communications, China Merchants Bank and Guangfa Bank will be slightly lower, while the credit card approval of state-owned banks will be more strict. 2. Choose the card that suits you. Different credit cards target different customer groups, so when you apply for a credit card, you should try to choose products that suit your age and suit your interests according to your own needs. 3. Provide true information. If you want to successfully apply for a credit card, you should fill in the application materials truthfully and in detail, and you can't cheat. Otherwise, once the bank finds that the applicant has provided false application materials, the credit card application will be rejected directly.

Relevant credit certificates required by the applicant:

First, all kinds of asset certificates should be fully prepared. Generally speaking, if you already have one or more credit cards and have a good repayment record, you generally don't need to provide proof of income or assets. You just need to copy the credit cards you already have when applying and send them with the application form (even if the credit cards you have are not the cards of the applying bank, because all banks can check your credit status through the personal credit information system of the central bank, and good consumer credit and repayment credit are the most important for banks).

If you are applying for a credit card for the first time, the bank will decide whether to grant you a card and the size of the credit line mainly depending on your income and assets, because you have no consumer credit record. Generally speaking, if you apply for a credit card for the first time, the amount will not be too high unless you can provide sufficient proof of assets, such as proof of income, proof of house ownership, proof of mortgage purchase, proof of automobile ownership, bank deposit certificate or securities certificate. Of course, in addition to the asset certificate, other certificates that can prove your personal ability will also help you get a high credit card, such as academic certificate, technical grade certificate and other qualification certificates.

second, fill in the application form carefully. Generally speaking, the following aspects on the application form will affect the bank's credit evaluation score (the higher the credit score, the higher the probability of obtaining credit card approval and the higher the amount): 1. Whether there is a fixed telephone number in this city (having a fixed telephone number in this city means that your place of residence is stable, which will increase the bank's credit evaluation score for you); 2. Whether or not to get married (the score of married is higher than that of unmarried); 3. Whether it is a local hukou (the score of local hukou is higher than that of foreign hukou); 4. Whether there is a house (owning a house is higher than not having a house, and living by oneself is higher than living with parents); 5. Education level (the higher the education level, the higher the score); 6. The nature of the work unit (the more stable and well-known the work unit, the higher the score. For example, institutions, large state-owned enterprises and the world's top 5 enterprises all scored higher, while unknown private enterprises and small foreign enterprises scored lower); 7. Job description (The higher the job, the higher the score. For example, civil servants and company managers score higher than ordinary employees).

What conditions are required before you can apply for a credit card

Conditions for applying for a credit card:

1. Age conditions: Generally, citizens who have reached the age of 18 need to submit their identity documents for proof.

2. Stable repayment ability: generally, proof of work and income are required. In order to increase the success rate of application and credit limit, it is generally recommended to provide proof of self-owned property, proof of self-owned vehicle and proof of bank assets.

3. Good credit status: that is, there is no bad credit record, and the bank will check it by itself.

Proof to be submitted for handling a credit card:

1. ID card (required);

2. Work certificate or income certificate;

3. Proof of assets such as real estate and vehicles under his own name;

4. Social security;

5. other bank credit cards, etc.

Extended information

Ways to handle credit cards:

1. Application at the bank counter;

2. Credit card application in official website;

3. Apply to the bank credit card salesman;