The process of applying for a credit card is:

1. The party concerned applies to the bank;

2. Review; the bank receives the application form submitted by the applicant and After receiving the relevant materials, the applicant’s credit status will be reviewed;

3. Card issuance; after the applicant successfully applies for a credit card, the card issuer will open a separate credit card account for the cardholder at the card-issuing bank;< /p>

4. Open a card; check the relevant personal information provided during the application by phone or online, and complete the card opening process once it meets the requirements.

What conditions need to be met to apply for a credit card

To apply for a credit card, the following conditions need to be met:

1. The applicant must be over 18 years old;

3. The applicant's personal credit report should meet the requirements of the credit card center;

4. The applicant should have Fixed place of residence

Legal basis: Article 7 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks"

The term "credit card" as mentioned in these Measures refers to the recording of information related to the cardholder's account. Bank credit lines and overdraft functions, and provide cardholders with various media related to banking services.

Article 17

When a commercial bank applies to open credit card business, it shall meet the following basic conditions:

(1) The company has good corporate governance and the main prudential supervision indicators comply with According to the relevant provisions of the China Banking Regulatory Commission, it must have an organizational structure and rules and regulations that are suitable for business development, and the internal control, risk management and accountability mechanisms are sound and effective;

(2) It has a good reputation and has a complete and effective internal control mechanism. and case prevention and control system, and there have been no major violations of laws or regulations or major malignant cases in the past three years;

(3) Have directors, senior managers and qualified practitioners who meet the qualifications for office. The senior managers shall have at least one person with professional knowledge and management experience in the credit card business, have the necessary technical personnel and management personnel to carry out the credit card business, and fully implement hierarchical authorization management;

(4) Have Business premises, related facilities and necessary information technology resources that are suitable for business operations;

(5) A business system that complies with laws, regulations and business management requirements has been established within the country, and has the ability to protect relevant business system information Technical capabilities for safety and operation quality;

(6) Those who open foreign currency credit card business shall have the foreign exchange settlement and sales business qualifications approved by the foreign exchange administration department of the State Council and the foreign exchange business qualifications approved by the China Banking Regulatory Commission (or foreign exchange business qualifications). Business scope);

(7) Meet other prudential conditions prescribed by the China Banking Regulatory Commission.