First of all, the current conditions for applying for a credit card are
At least 18 years old, with full capacity for civil conduct; Have a stable income, and the source of income is legal; Applicants are China citizens, compatriots from Hong Kong, Macao and Taiwan living in China and foreigners.
Second, China Merchants Bank Credit Card
The most important condition is that 18-60 years old, with a stable job and income. The necessary application documents are "copy of identity certificate" and "work certificate". If you can provide other financial documents (such as: real estate license, my car driving license, bank time deposit certificate, etc.), it will be more helpful to understand your personal situation and judge the credit limit. Tips: Credit card issuance is subject to the final audit results.
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1, credit card consumption
It is a non-cash transaction payment method, and you don't need to pay cash when you consume, and you can repay it on the account date. Credit cards are divided into debit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
2. Credit card
The form of credit card is a card with name, expiration date, number and cardholder's name printed on the front and magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits. Credit card refers to an electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.