ID card photos cannot be used for credit cards and loans;

Conditions and information for applying for credit cards:

1. Bank credit card application conditions

1. The applicant should be between 18-60 years old;

2. Have a stable job and income;

3. Have a good personal credit record.

2. Bank credit card application materials

1. Proof of identity: usually an ID card (if you are using a new version of the ID card, a copy of the front and back is required), military personnel need to provide a military ID card Copy;

2. Work certificate: It can be the original work certificate issued by the unit where you work (please indicate the specific company name, department, position and income, and stamp it with the company seal or personnel seal) , or a copy of the work permit/plate;

3. Proof of financial resources: It can be a salary record issued by a bank, or an income tax withholding certificate, or documents proving the market value of houses, cars, deposits and investments (such as real estate certificates/ A copy of your car driving license/bank time deposit receipt) and other documents that can prove your financial level.

4. Other documents available for reference include: social insurance personal account list for the past 6 months, water and gas bills, credit card bills from other banks, etc.

3. Online application process

1. Log in to the bank’s credit card online banking and select your favorite card;

2. Click "Credit Card Application";

3. Choose the appropriate application process;

4. Fill in personal information so that the application can be approved;

5. Submit a credit card application and the bank will review the appointment information, usually within 7 The processing results will be informed within one working day.

If you are already a credit card holder, you need to fill out the application form online, print it out and mail it to the credit card center.

Information and conditions for applying for a loan:

Information required for applying for a bank loan:

1. Valid identity document;

2. Proof of permanent residence or valid residence, and proof of fixed residence;

3. Proof of marital status;

4. Bank statements;

5. Proof of income or Proof of personal asset status;

6. Credit report;

7. Loan usage plan or statement;

8. Other information required by the bank.

Required conditions for bank loans:

(1) Applicants who are over 18 years old and have full capacity for civil conduct, urban residents’ permanent residence or legal and valid resident identity certificate, bank loan requirements The borrower's age is generally between 18-60 years old;

(2) Have stable legal income and the ability to repay interest;

(3) Other conditions required by the lending bank .

The procedure for unsecured loans is generally divided into three steps:

(1) The customer submits basic information, including work unit and contact number.

(2) The lending bank or company checks the customer's credit information, including whether the customer's credit level has any illegal records. For self-employed individuals and small and medium-sized enterprises, it is also necessary to investigate their business operations.

(3) The staff of the lending unit signs a contract with the customer and implements the loan in the shortest time.