As long as the security guard can handle the credit card according to the bank regulations, the parties can wait until the counter of the bank outlet with their ID card, work income certificate and property certificate;

Please refer to the rules for applying for a credit card:

1. Age requirement: the age is between 18 and 65;

2. Income and asset requirements: have a stable occupation and income;

3. Credit and ability requirements: good credit and the ability to repay the principal and interest on time;

4. Have full capacity for civil conduct;

5. Provide the originals of various certificates.

Can I apply for a joint security card without making an appointment?

Security co-branded cards can't be processed without an appointment. You need to make an appointment with the bank to process them.

1. What is a security co-branded card?

The security co-branded card is a personalized and exclusive co-branded debit card specially created by our bank for security personnel. The card's original "Kaka in one" design combines the security guard qualification certificate with the financial card, and integrates the data such as portrait, personal information and QR code. It replaces the original paper certificate, solves the problem that paper certificates are easy to be destroyed and forged, and is a financial innovation integrating financial functions and security qualification information.

Second, what is a co-branded card:

Co-BrandedCard, in English, refers to a bank card jointly issued by a card-issuing bank and a profit-making institution. The most common is the joint debit card, which is a joint bank card developed on the basis of debit card.

Co-branded cards not only have all the characteristics of bank cards-cash deposit and withdrawal, credit card consumption, transfer and so on. , but also according to the regulations of banks and merchants to add some new functions. Compared with other forms of credit cards, co-branded cards not only have low application requirements, but also enjoy double discounts. This entry details the functions, features and main advantages of the co-branded card.

3. What's the difference between a joint credit card and an ordinary credit card?

Co-branded credit cards refer to credit cards jointly launched by banks and merchants, while standard credit cards are credit cards issued independently by banks.

Co-branded cards are the cooperation between banks and merchants. In order to achieve a win-win situation, it is definitely hoped that the more co-branded credit cards, the better, so that the activities of businesses will be easier to promote, so the threshold will be very low, and basically you can apply for a card.

If you want to increase the credit card limit, you usually use it more. Many banks only look at the number of times of use, not the amount of use, while joint credit cards will use points, discounts and other preferential ways to promote consumption. If you use more, you will increase the quantity quickly. With the high credit card limit, it is easier to apply for a high credit card with the card.

4. How to cancel the joint card?

It's easy to cancel the co-branded card. You can call the 24-hour customer service phone on the back of the card to make a cancellation request, and the customer service will handle it for you after verifying your identity. Or directly bring your own card and ID card to the bank outlet counter for the bank staff to cancel.

Two things must be done before cancellation. The first is to ensure that there are no arrears and overpayments in the card. If there is any arrears, all the arrears can be returned. If there is overpayment, it can be withdrawn by cash withdrawal or credit card. Secondly, use up the points in the card, and don't waste the accumulated points. You can exchange points for gifts in the credit card mall or give them to others.

Why can't the security guard get a credit card?

Credit cards are issued by banks to cardholders according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, but will repay when the bill is dated.

There are two main reasons why it is difficult for security guards to apply for credit cards:

1, most security guards are migrant workers with strong mobility;

2. Most of them have low level of safety education and low annual income.

The above two items directly determine that banks will not issue cards to security guards from the perspective of risk.

However, local people who own their own houses and work as security guards usually get small credit cards issued by banks.

Why can't the security guard apply for a credit card to meet these conditions?

Because credit cards bring great convenience to people's lives, people who want to apply for credit cards are distributed in all walks of life, but many card friends who don't sound so glamorous at work often find it very difficult to apply for credit cards. Today, let's talk about why security guards can't apply for credit cards.

Bank credit card application conditions

To know why security guards can't apply for credit cards, we can first look at what conditions banks need for card holders when they apply for cards:

1, need to meet the age requirement. Banks generally require applicants to be 18-65 years old with full capacity.

You need identification and financial proof. To apply for a credit card, you must provide valid identity documents and financial vouchers to the bank.

3. Personal credit information. What banks value most is the personal credit record of card friends. If there are bad consumption or repayment records, it is very difficult to apply for a card.

In addition to the above, banks generally require applicants to have a stable income. Therefore, banks are very partial to those who are employed in institutions, such as staff, doctors, teachers, civil servants, corporate executives and so on. This is also a big reason why security guards can't handle credit cards.

Personal credit card application skills

In fact, a safe friend need not be discouraged at all. As long as they do the following, it won't be so difficult to apply for a credit card:

1, providing a good historical credit record. In the past, the credit card was used many times and the repayment was timely;

2. Have a fixed residence and rich assets. Have assets such as houses and cars, or be able to provide bank running water and large consumption bills;

3. Contribute to the bank and purchase wealth management products.

That's why security guards can't handle credit cards. In fact, no matter what occupation, in the process of applying for a credit card, as long as you show your repayment ability, you will definitely win the favor of banks.

So much for the introduction of secure credit cards.