To apply for a credit card, you need to meet the following three conditions:

1. Age: Generally, you are a citizen who has reached the age of 18, and you need to submit your identity documents to prove it.

2. Have stable repayment ability: generally, you need to provide proof of work and income. In order to increase the success rate of application and credit limit, it is generally recommended to provide proof of self-owned property, proof of self-owned vehicle, proof of bank assets and so on. The card issuing standards of each bank are different, depending on the requirements of the bank.

3. Good credit standing: That is to say, you are required to have no bad credit record, and the bank will check this condition by itself.

process of applying for a credit card:

the object of applying for a credit card can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China. Each unit can get a main card and several (5-1) supplementary cards when applying for a credit card. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

generally, the application method is to fill in a credit card application form, and the contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant. And submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate. The application form is accompanied by a credit card contract, and the applicant authorizes the issuing bank or relevant departments to investigate its relevant information, and submit a statement on the authenticity of the information, the privacy protection policy of the issuing bank, etc., and must have the applicant's autograph.

information

(1) the information of the principal cardholder.

(2) supplementary card applicant information.

(3) information of the guarantor.

(4) other information.

(5) statements and signatures of the main card applicant and the supplementary card applicant.

(6) special column for banks.

review

after receiving the application form and relevant materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the review mainly include whether the contents of the application form are true or not, evaluating the credit degree of the applicant, and reviewing the relevant information of the guarantor for the individual.

usually, the bank will examine the applicant's various information and economic situation according to the application materials to judge whether to issue a credit card to the applicant. The factors considered are the applicant's past credit history, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuing bank's audit are trade secrets, which are generally difficult for the outside world to understand. The standards of different issuing banks are also different. 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.

card issuing

after the applicant successfully applies for a credit card, the issuing bank will open a separate credit card account for shopping, consumption and cash withdrawal.

card opening

because the credit card application is sent by post card, there is no guarantee that the recipient is the applicant. In order to protect the applicant and the bank from theft, the credit card has a card opening program before it is officially opened. Card opening is mainly through telephone or internet.