Whether it is easy or not to apply for a credit card with Alipay mainly depends on the user's application conditions. Generally speaking, it is easier to pass the approval as long as the relevant conditions are met.
As long as you apply for a credit card on Alipay with good personal credit, a high Sesame score on Alipay, and can fill in the card application information accurately and completely, the probability of passing is still very high.
Although Alipay is a channel for applying for a credit card, the final review power still rests with the bank.
What is Alipay online credit card?
Alipay online credit card is Alipay announced on March 11, 2014 that the online credit card service launched by Alipay and China CITIC Bank will be available in Alipay wallet next week. Unveiled today, the first batch of 1 million online credit cards issued by China CITIC Bank will be issued and can be used for all online purchases.
According to reports, the online credit card cooperated by the two parties corresponds to the China CITIC Bank Yidu Pay Credit Card. The first batch of issuance is approximately 1 million, and the credit limit starts at 200 yuan. The upper limit is determined based on personal network credit, and can be based on The consumer's consumption record and credit record will gradually increase the limit.
The online credit card cooperated by Alipay and CITIC corresponds to the CITIC Bank Alipay Credit Card. Consumers can follow the CITIC Bank official account in their Alipay wallet and apply online instantly through the official account, receive immediate approval, and support consumption. to get rid of the shackles of physical cards.
Alipay revealed that after the application is approved, the card number obtained can be used to activate Alipay quick payment online, and you can make online shopping, mobile payments and other consumption. A relevant person from Alipay's public relations department also said that physical cards will also be sent to users. After opening the card, they can swipe the card offline for consumption. However, it will take a few working days for the physical card to be sent.
As Alipay is used more widely and frequently in consumer fields such as life and work, Alipay has gradually evolved into a measure of the credit system. Because of this, Alipay has also reached cooperation agreements with various banks, and you can use Apply for a bank credit card with Alipay. So what are the conditions for using a credit card to apply for a credit card?
1. Age requirement: The age of the credit card applicant is between 18 and 60 years old;
2. Credit requirement: At the bank Have a good credit record in the credit reporting system;
3. Income requirements: Have a stable job and fixed income, preferably with proof of assets.
Summary: In fact, the requirements for applying for a credit card with Alipay are similar to those at the bank, except that Alipay provides the bank with an additional copy of your credit history.