Banks will refer to your work nature (private, state-owned, high-risk industries, such as KTV), social security, provident fund, individual tax, personal assets (real estate, automobile production, CCB time deposit certificate, etc.) when approving. ), credit (whether overdue, whether holding multiple bank credit cards at the same time, debt ratio, etc. ), education and other aspects to verify the quota.
(a) credit card application conditions:
1. At least 18 -65 years old;
2. Urban and rural residents who have a fixed occupation and stable income and work in the place where their permanent residence is located;
3. Fill in the application form and sign it in person at the "Signature of the Applicant".
(two) to apply for a credit card, you need to provide the following information:
1. Copies of ID card, work certificate, income certificate, etc.
2. Provide bank deposit certificate, property certificate, degree certificate, etc. ;
3. Some card-issuing banks may require registration in different places, overseas personnel to apply for jobs locally, and active military officers to apply for credit cards in their own names, which requires the local public security department to issue temporary certificates.
Certificate issued by the location of the account or the relevant department (including work certificate).
(3) Credit card application is comprehensively evaluated by the system, and there are many reference factors, such as age, job stability, income, personal credit, etc., which are not determined by unilateral factors. Everyone's situation will be different, and it is difficult to compare with each other.
(4) In order to pass the comprehensive evaluation of the system and the judgment of the credit limit. Detailed application materials are as follows:
1. 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 company official seal or personnel seal), or a copy of the work permit \ card verified and marked by the sponsor; ?
2. Proof of financial resources: it can be a payroll record issued by a bank, an income tax withholding certificate, or a market value certificate of a house, a car, a deposit or an investment (such as a copy of the real estate license/car driving license/bank time deposit certificate) and other materials that can prove the 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.
reference data
Jinqiao.com. Jinqiao Net [citation time 20 18- 1-25]