Conditions for handling credit cards
1, age requirement. At present, domestic banks have strict requirements on the age of cardholders, who must be at least 18 years old and have full civil capacity; In addition, banks also have regulations on the upper age limit of applicants, some of whom are required to be no more than 60 years old, while others are required to be no more than 65 years old.
2. To have a stable job, people who apply for credit cards need to have a stable job, especially applying for credit cards through online application. Having a fixed job is a hard requirement; Doing a card offline, there is no fixed job, and providing other economic proof can make up for it to some extent.
3. To have sufficient repayment ability, banks have to bear certain risks when issuing credit cards to applicants. Therefore, there are certain requirements for the repayment ability of the applicant, and the applicant needs to provide sufficient economic proof.
4. Credit requirements, requiring the applicant to have no bad credit record.
Extended data:
Application materials required for handling personal credit cards
1, identification: I must provide my ID card, and some banks require soldiers to provide copies of their ID cards.
2. Work certificate: it can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and affix the official seal or personnel seal of the company), or a copy of the work permit verified and marked by the sponsor.
3. proof of income: if there is no credit card, you need to provide the company's financial certificate, my income status and other relevant certificates; If you already have a credit card, you can use it to apply for a card, which is convenient for many steps.
4. Other financial proof: it can be a payroll record issued by the bank, or an income tax withholding certificate, or a document that proves the market value of the house, car, deposit and investment (such as a copy of the real estate license/car driving license/bank time deposit certificate) and other materials that can prove your financial level. Other documents for reference include: personal account list of social insurance in the last 6 months, water, electricity and gas bills, credit card bills of other banks, etc.
References:
Credit card-Baidu encyclopedia