What are the requirements for applying for a credit card? (Professional answer)
What are the requirements for applying for a credit card? (Professional answer)
The most basic conditions: ID card and income certificate.
Application process
Possess the following documents
1. Identity Proof File: Applications for primary cards from persons aged 18-65 and supplementary card applications from persons aged 16 and above are accepted.
If you are a domestic resident: you need to provide a photocopy of your resident ID card or temporary resident ID card (both sides, within the validity period), or a photocopy of your military officer ID card;
If you are Foreigners:
①A valid passport;
②A photocopy of the "Foreigner's Residence Permit" or a photocopy of the "Foreigner's Residence Permit" attached to the visa page of the valid passport Or a photocopy of the "Permanent Residence Permit for Foreigners";
If you are from Hong Kong, Macao and Taiwan: you need to provide the "Mainland Travel Permit for Hong Kong and Macao Residents" or the "Return Permit for Hong Kong and Macao Compatriots" or the "Mainland Travel Permit for Taiwan Residents" Photocopy.
2. Proof of fixed residential address: (You can choose any of the following)
Photocopy of household registration card (book);
Water, The last three installments of electricity and gas bills;
The latest three installments of landline bills;
Group dormitory certificate issued by the unit;
House rental contract (agreement) );
Proof of owning property;
Community property management fee payment receipt;
Proof of address issued by the street;
Last two Credit card monthly statements or personal income tax payment certificates for the past three months;
Other supporting materials that can prove that you have a fixed residential address.
3. Financial proof files: (You can choose any of the following)
Formal salary slips or income certificates issued by institutions and enterprises in the past three months (required Stamped with the company seal or department seal);
Copy of the passbook/bill of the bank's salary (need to show the salary entry information in the last three months);
The last three months Copy of personal income tax payment certificate;
Copy of social insurance withholding certificate;
Copy of self-owned property certificate;
Bank time and demand deposits Photocopy of receipt/passbook;
Copy of purchase receipt for funds, treasury bonds, and corporate bonds (need to show the purchaser’s name, account number, and account balance);
What do you need to apply for a credit card? Conditions
If you meet the application conditions for China Merchants Bank credit card, you can try to apply. The most important requirements for applying for a China Merchants Bank credit card are that you are between 18 and 60 years old (25 to 60 years old for foreigners), have certain financial capabilities and have a good credit record. The credit card application result shall be subject to our bank's actual audit. The necessary application files are a copy of your identity certificate and employment certificate. If you can provide other financial proof files, it will be more helpful for us to understand your personal situation and determine your credit limit. If you are interested in a China Merchants Bank credit card and have never held a credit card from our bank, you can apply in the following four ways: 1. Please log in to the credit card website and select "Apply for Credit Card" - "New Customer Application"; 2. Please bring your Please go to any CMB branch in person to apply for the original identity certificate, work certificate and financial certificate file; 3. You can also call the customer service hotline, select "3#" in the voice to apply for credit card consultation, and then select "1" to transfer The service specialist will register you and notify our local staff to contact you to confirm your application. 4. If you have applied for the professional version of our bank’s online banking, you can apply through the professional version. Please note that the credit card status will be subject to the final audit results.
How to apply for a credit card? What are the requirements?
To apply for a credit card, you need to provide the following information (not all of them are required at the same time, but providing more will increase the chance of successful application)
1 Photocopy of personal ID card
< p>2 Proof of unit income (if you are a well-known enterprise, a state-owned enterprise, a lawyer, a teacher in a public school, a doctor or nurse in a public hospital, civil servants and other people with stable income, you only need a work permit)3 Proof of residence (Such as a photocopy of the real estate certificate, a photocopy of the water and electricity invoice, a photocopy of the rental contract, etc.)
If you have any of the following certificates, the credit overdraft limit will be increased
1 Deposit certificate
2 Proof of assets
3 Photocopy of other bank’s credit card
To summarize: to successfully apply for a credit card, you need to have a more stable job and income, and it is best to have a local household registration. High education, high income, high position, and high deposits will help you increase your credit limit
The following are the three elements of credit, which are also useful for your successful credit card application. The credit card credit center will comprehensively evaluate you based on this information. Credit:
The three elements of credit refer to "Character" (Character), "Assets" (Capital) and "Repayment Ability" (Capacity). Lenders consider these three factors when making lending decisions.
Character
Based on the credit record, lending institutions will measure whether the applicant has sufficient integrity.
Lenders will consider the following factors when evaluating:
Have you ever used credit?
Do you return bills on time?
Do you have a good credit history?
Do you have a guarantor?
How long have you lived in your current location?
How long have you been in your current position?
Capital
Lenders will want to know if you have any valuable assets, such as property, cars, savings or investments, that can be used as collateral for loan repayments if you lose income. .
What kind of property do you own that can be used as a mortgage?
Do you have a deposit account?
What investments do you own that can be used as collateral?
Capacity
Whether you have the ability to repay the loan. Lenders will pay attention to whether you have a regular job so that you have enough income to support your credit.
Lenders may ask the following questions:
Do you have a regular job? If yes, how much is the salary?
Do you have other debts?
How much do you spend on daily life?
What kind of debt do you currently have?
How many people do you need to support?
What are the requirements for applying for a credit card?
Requirements for applying for a credit card:
Must be a Chinese national or a foreigner resident in China who is over 18 years old, has full capacity for civil conduct, has a legal and stable source of income and has good credit. Compatriots from Hong Kong, Macao and Taiwan can apply for a credit card from the card issuer with their valid identity documents.
The materials that need to be provided are as follows:
1. Identity certificate: usually an ID card (if you are using a new version of the ID card, a photocopy of the front and back sides is required), and military personnel need to provide a military ID card Photocopy;
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 photocopy of the work permit/plate;
3. Proof of financial resources: it can be a bank salary record, or income tax withholding certificate, or files proving the market value of houses, cars, deposits and investments (such as real estate certificates/ Photocopy of car driving license/bank time deposit receipt) and other documents that can prove financial level.
4. Other files available for reference include: social insurance personal account list in the past 6 months, water and gas bills, credit card bills from other banks, etc.
What are the requirements for applying for a credit card? Here’s the most authoritative answer.
Requirements for credit card application
1. ID card: 18 years of age or older.
2. Documents proving your ability to repay stably, such as employment certificate, income certificate, property ownership certificate, vehicle ownership certificate, and bank asset certificate. Each bank has different standards for importing documents. It depends on the bank's requirements.
ICBC determines whether to approve a card and the card limit based on the applicant's contribution star rating and service star rating at ICBC. China Construction Bank and Bank of China also rely on customer level to determine whether to approve the card. Of course, you can also apply by submitting proof of employment.
3. No bad credit record (the bank will check it by itself).
What conditions do I need to meet to apply for a credit card?
To apply for a credit card, you need to meet the following conditions: 1. The applicant is over 18 years old; 2. Hold a valid ID card when applying; 3. The applicant has no bad credit record; 4. Provide employment certificate and stamp Proof of income with the financial seal of the unit; 5. It is better to provide other financial proof, such as real estate, cars, stocks, bonds, etc.; 6. It is better to have social security certificate. The first 4 are the most basic conditions for applying for a credit card. If you can provide 5 to 6 supporting materials, the application success rate and credit limit will be increased.
What conditions do I need to meet if I want to apply for a credit card?
Credit card application conditions:
Application location:
1. Local bank Branches; 2. Bank credit card center staff; 3. Some banks (industrial and commercial construction, etc.) support applications through online banking.
Application conditions: 1. A person who is over 18 years old and has full legal capacity; 2. A person with stable repayment ability.
Submit proofs: 1. ID card (required); 2. Proof of work or income; 3. Proof of property, vehicles and other assets under your own name; 4. Social security; 5. Credit cards from other banks, etc. Each bank has different standards for importing documents, so not all of the above information is required. It depends on the bank's requirements. Proof of employment or income is very important.
First go to a credit card salesperson or lobby teller to fill out an application form. The other party will usually ask you to fill in the application form if they see that your conditions may approve the card. You need to fill in your basic personal information and your work phone number on the application form. , home phone number and personal mobile phone number; two contacts (one relative and one friend) and their mobile phone numbers and landline numbers.
There is hope only after filling out the form, and then submit the above information and wait for bank approval. The bank will decide whether to approve the card and the credit limit based on the comprehensive score of the information submitted by the applicant. The reference projects include age, gender, and unit. , income, position, housing, education, marriage, real estate, professional titles, credit records and other projects, one score range corresponds to one result, from not approved to approved, from low limit to high limit. In addition, ICBC and other banks will assess the star rating based on your assets in ICBC, and determine whether to issue a card based on the star rating. After submitting the form or applying online, you can enter your ID number on the bank's official website to check the application progress. The result is usually rejection or approval. After approval, the card will usually be mailed to your address. Once you receive the card, you can use it after activation.
In order to control risks, banks attach great importance to the repayment ability of the cardholder. The information you submit must make the bank feel that you have sufficient repayment ability. The stronger the repayment ability, the easier it is for the bank to issue the card.
What are the requirements for an individual to apply for a credit card?
If you apply for a China Merchants Bank credit card, you need to have a local China Merchants Bank, be 18-60 years old, and if you can provide your ID card, work certificate and income certificate, you can try to apply. If you apply for a car card, you need to attach your name. For a photocopy of the driving license, if the local branch has clear regulations, the regulations of the local branch shall prevail. The verification of the credit card shall be subject to the final audit result.
The conditions for applying for a small-amount credit card are met
The most important conditions for applying for a credit card from our bank are that you are between 18 and 60 years old (overseas residents are between 25 and 60 years old), have certain financial capabilities and have good credit Well documented. The credit card application result shall be subject to our bank's actual audit. The necessary application files are a copy of your identity certificate and employment certificate. If you can provide other financial proof files, it will be more helpful for us to understand your personal situation and determine your credit limit.
What are the requirements for applying for a credit card?
You must be over 18 years old, have full capacity for civil conduct, have a legal and stable source of income, and be a Chinese citizen with good credit standing, resident in China Foreigners and compatriots from Hong Kong, Macao and Taiwan can apply for a Bank of Communications credit card from the card issuer with their valid identity documents.
What are the requirements for applying for a credit card?
1. Age requirements Applicants must be between 18 and 60 years old. If applying for an additional card, the age can be as low as 16 years old. Of course, the age range with the highest actual card approval rate is between 25 and 50 years old.
2. The job requires a stable work unit, such as state-owned enterprises, civil servants, public institutions, listed companies, foreign-funded enterprises, and large private enterprises. Such units are best.
Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.
Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.
Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).
Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.
Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).
On May 25, 2021, the Supreme People’s Court issued and implemented the “Regulations of the Supreme People’s Court on Several Issues Concerning the Trial of Bank Card Civil Cases.”
Credit cards are issued by commercial banks to individuals and organizations. They can use them to shop and consume with specially appointed organizations and deposit and withdraw cash from banks. They are special carrier cards with consumer credit. They are in the form of a card with the card issuing number printed on the front. Cards with bank name, validity period, number, cardholder name, etc., and a magnetic stripe and signature strip on the back.
A real credit card has the following characteristics: it is not encouraged to deposit cash in advance, consume first and repay later, enjoys an interest-free payment period, can repay in installments independently (with a minimum repayment amount), join VISA, MASTER Wait for international credit card organizations to make it universally applicable.
What are the requirements for applying for a credit card?
To apply for a China Merchants Bank credit card, you need to meet the following conditions:
1. Be between 18 and 60 years old and have full capacity for civil conduct;
2 , be able to provide a valid identity document. Foreigners, Hong Kong, Macao and Taiwan residents living in China can provide relevant identity documents such as passport, residence permit or employment certificate;
3. Have a stable and legal source of income;
4. The personal credit status is good and there is no bad credit record;
5. Other conditions or regulations required by China Merchants Bank.
China Merchants Bank Credit Card has created more than a hundred new products and services, adheres to the promotion of cross-industry cooperation model, and has successively cooperated with leading enterprises in different life fields such as department stores, tourism and sports consumption industries to provide cardholders with People provide products and functional services in a dual sense. In September 2007, China Merchants Bank took the lead in proposing the "five-fold security" credit card service concept, consolidating its leading brand position in the industry.
What are the requirements for applying for a credit card?
What is a credit card?
Credit cards, also called credit cards, are issued by various banks for those who need to meet credit conditions. The credit certificate used by customers for overdraft consumption has a certain interest-free repayment period, and the cardholder only needs to repay it in full and on time. It can also be said that a credit card is a financial instrument for non-cash transaction payments.
Conditions for applying for a credit card
Generally speaking, the conditions for opening a credit card are:
1. Be over 18 years old and have full capacity for civil conduct;
2. Have legal and stable income and job;
3. No bad personal credit record.
As long as users meet the above application conditions, they can apply for a credit card from the bank. After the bank approves the application, the credit card will be sent to the applicant by registered mail. After successful activation, you can use your credit card to make purchases.
This concludes the introduction to the conditions for applying for a credit card and the requirements for applying for a credit card. Have you found the information you need?