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What should I pay attention to when applying for a credit card?

Under normal circumstances, when applying for a card business, the cardholder can use the original credit card as proof of financial resources and the original ID card. In this way, on the basis of the original cardholder holding the card, he can use the card at another store. The bank applies for another credit card. For some banks, if you want to apply for a card by card, they may also require you to submit a copy of your ID card, a copy of your credit card, proof of financial resources and other relevant information.

Note:

No credit card from other banks has been overdue for more than 30 days in the past 6 months;

The average credit limit is not less than 5,000 yuan; if you have If you have more than 3 credit cards from other banks and use more than 90% of the limit, banks will generally not process it.

Extended information:

If you are a first-time applicant, the credit card application materials are divided into necessary information and auxiliary information: the necessary information is the information you must provide when applying for the bank's credit card , and the auxiliary information helps you improve your approval rate and credit limit.

Identification information: a copy of your resident ID card or military officer's ID card; if you are a compatriot from Hong Kong and Macao, you need to provide a copy of the mainland travel pass and proof of residence for more than one year; if you are a foreigner, you need to provide your passport And a copy of the residence permit for more than one year is sufficient.

Proof of employment and income: Choose from salary certificate or business card and badge with photo.