1, aged between 18 and 65;

2. Have a stable occupation and income;

3. Have good credit and the ability to repay the principal and interest on time;

4. Natural persons with full capacity for civil conduct (robots, vegetarians, minors and people with a certain degree of mental illness are not allowed). If you haven't met the requirements for applying for an ordinary credit card, you can apply for a supplementary card through your parents and spouse. To apply for a supplementary card, the following conditions must be met: 1, a natural person with complete or limited capacity for civil conduct 2, 13 years old or above 16 years old, and a copy of the household registration book must be provided when applying.

How to apply for a credit card?

To apply for a credit card, you must be 18 years old and have income. When students apply for credit cards, they can generally ask their parents to apply for supplementary cards.

The banking law also has credit cards specially for students, but the amount is only a few hundred. Buying 5000 computers is not enough, so it can't be phased.

Third, how to handle the credit card?

The credit card (debit card) processing process is as follows: 1: Call the bank or go to the bank counter to inform the intention; 2. Submit the information needed to handle the credit card to the bank; 3. Fill in the credit card application form; Waiting for approval, the bank sends a credit card. Credit card (debit card) requires the following procedures: personal ID card; Certificate of unit income; Bank flow in the last six months; Personal property certificate; Information required by other banks. Product Guide Application In most cases, citizens with full civil capacity (Chinese mainland/KLOC-citizens aged 0/8) and a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants. The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. 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. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph. After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's reputation. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor. Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.

4. How to handle the ICBC credit card?

The conditions for applying for our Jinpu Card are: at least 18 years old, with full capacity for civil conduct, working in the place where the card issuer is located, with stable income and above the local average level, and so on. You can log on to our website or apply at the local ICBC outlets.