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. Sometimes, legal persons can also act as applicants.

Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee. 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.

Extended data:

If you already hold multiple bank credit cards, and the total amount exceeds the excess credit limit assessed by the Agricultural Bank of China system, resulting in a credit limit of 0 after "rigid deduction", there are only two results in applying for the first card of the Agricultural Bank of China: after the system comprehensively scores and inquires about personal credit according to the information filled in by the applicant, it will either refuse for one second, or after entering the approval process, it will go to the branch to verify the latest credit status of the applicant.

If the branch has no assets, some branches that value deposits will directly refuse to sign; Some branches with card issuance tasks will put it on hold for a period of time or even months until the applicant's credit situation changes. If the credit can be broken or overwritten, the card can be approved. If the credit has not changed or deteriorated, or the credit line of other banks has been increased during the period, the credit line after rigid deduction is still 0, or there is a credit problem during this period, then it will eventually be approved.

Baidu encyclopedia-credit card