To apply for a bank credit card, the applicant must be 18 to 60 years old and have China nationality. At the same time, the applicant should have a relatively stable job and income, with an average monthly income of not less than 3,000 yuan.

In addition, the applicant needs to provide the following information to the handling bank:

1, valid ID of the applicant (required);

2. The applicant's work certificate or income certificate;

3. Proof of assets such as real estate and vehicles under the name of the individual;

4. Social security card;

5, other bank credit cards and so on.

After receiving the application form and related materials submitted by the applicant, the issuing bank of deferred information shall review the credit status of the applicant. 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.

Baidu encyclopedia-credit card