Handling a credit card has nothing to do with having a criminal record. Banks that handle credit cards will only review work information and personal credit reports, and comprehensively evaluate repayment ability, which has nothing to do with criminal records. Only when the loan is made will the bank inquire whether it has been punished by the court.
Credit card application conditions:
1, at least 18 years old, with a valid ID card, no bad credit record, a fixed work certificate and an income certificate stamped with the company's financial seal.
2, financial proof, such as real estate, cars, stocks, bonds, etc. , social endowment insurance certificate, provide two contact information. The first three conditions must be met, and trying to provide 4-7 proof materials will improve the success rate and credit limit of card processing. It is best to apply for a credit card at a bank outlet, and there will be a phone call after approval.
Extended data
Credit card review:
After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. 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.
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