The conditions for applying for Bank of China credit are as follows:

1. Application conditions

Anyone who is over 18 years old, has full capacity for civil conduct, and has legal and stable income Chinese citizens, foreigners with the right of residence in China, and compatriots from Hong Kong, Macao and Taiwan can apply for BOC credit cards locally.

2. Required application materials

1. Identity documents

(1) Accept main card applications from people aged 18-65 and those aged 16 or over Supplementary card application for those over 10 years of age. ?

(2) If you are a domestic resident: you need to provide a copy of your resident ID card or temporary resident ID card (both sides, within the validity period), or a copy of your military officer ID card?

(3) If you are a foreigner: you need to provide (1) a valid passport (2) a copy of the "Foreigner's Residence Permit" or a copy of the "Foreigner's Residence Permit" attached to the visa page of the valid passport or the "Foreigner's Residence Permit" Copy of Permanent Residence Permit.

(4) If you are from Hong Kong, Macao and Taiwan: You need to provide a copy of 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".

2. Proof of fixed residential address (you can choose any of the following)

(1) Copy of household registration card (book)? (2) Water, electricity, Gas payment slips for the last three periods (3) Landline phone payment slips for the last three periods (4) Dormitory certificate issued by the unit, house rental contract (agreement) (5) Proof of self-owned property (6) Community property management fee payment slip (7) Proof of address issued by the street? (8) The last two credit card monthly statements or the personal income tax payment certificate for the last three months (9) Other supporting materials that can prove that you have a fixed residential address

3. Documents proving financial resources (you can choose any of the following)

(1) Formal salary slips or income certificates for the past three months issued by government agencies and enterprises (need to be stamped with company seal or department seal) Chapter)

(2) Copy of bank book/bill of salary issued by the bank (need to show salary entry information for the last three months)

(3) Personal income tax for the last three months Copy of tax payment certificate

(4) Copy of social insurance withholding voucher

(5) Copy of self-owned property certificate.

1. Credit card definition

Credit card, also known as credit card, is a credit payment tool that allows banks to grant cardholders a certain credit limit and to consume first and repay later.

2. Prevent risks when applying for a credit card

1. Apply for a credit card through the bank’s formal channels and do not forward the application through an intermediary agency or others;

2. When applying for a credit card by providing a copy of your personal identity document and relevant certificates, it is recommended to indicate the purpose of the copy in a prominent position, for example: "Only used to apply for XX bank credit card, copies are invalid" to prevent the information from being used for other purposes.

3. The main fees for using credit cards.

1. Interest: The non-cash transaction in the current period is the interest-free repayment period from the accounting date to the due repayment date (inclusive). No interest is required to pay off the entire overdraft amount of the current period within the interest-free repayment period. Otherwise, interest will be charged at the daily interest rate of 0.5% of the entire overdraft amount from the accounting date.

2. Annual fee: When using a credit card, the cardholder pays an annual fee. If you don’t activate a credit card, there will be no annual fee.

3. Late payment fee: When the cardholder’s repayment amount is less than the minimum repayment amount before (and including) the due payment date, the cardholder shall pay the bank fee according to regulations.

4. Over-limit fee: The fee that the cardholder should pay to the bank when the credit limit is exceeded.

5. Installment fee: When the cardholder requests the bank to provide installment service, he or she must pay a certain percentage of the service fee to the bank.

6. Loss report handling fee: After the credit card is officially reported as lost, the cardholder should pay the card-issuing bank.

7. Note: The credit card charging levels of various banks are different. Cardholders can carefully understand the specific charging levels through bank websites, service hotlines, application forms, credit card regulations and other channels.

4. Credit card statement date and due repayment date

1. Statement date: The bank summarizes the cumulative outstanding amount of the cardholder every month and calculates the cardholder’s The date on which the amount is due to be repaid.

2. Repayment due date: the last date on which the cardholder should repay the entire amount in full or the minimum repayment amount.

5. Use credit cards safely

1. As soon as you get the credit card, sign the signature box on the back of the card.

2. Protect personal identity information, do not let others handle credit card business on your behalf, and do not lend identity documents or credit cards to others.

3. Keep the transaction password properly. Do not reveal your password to anyone (including bank staff and police), and be careful to cover it with your hands and body when entering your password.

4. Before signing the purchase form, carefully check the amount swiped by the card. Do not throw away written materials or credit card receipts containing personal information.

5. Keep credit cards properly. Do not lend your credit card to others for use; do not let the card out of sight when swiping the card for consumption; for the card handed back by the cashier, you should confirm whether it is indeed your own card. Keep credit cards and ID documents separately.

6. Prevent the card from being lost or stolen. If you have any questions about any credit card transaction, you should promptly contact the bank’s customer service center. If you have any questions about the transaction reminder text message, you should promptly report it to the bank's customer service center; if you find that your card is lost or stolen, you should contact the card issuer immediately and go through the loss report procedures.

7. Be wary of phone calls, text messages and online fraud. Remember not to disclose very important information such as personal credit card number, expiration date, password, and the last three digits of the signature field on the back of the card to others; do not log in to unknown payment platforms and beware of fake payment websites; do not reply to suspicious emails or provide personal account information.

8. Do not use credit cards for transactions such as cashing out. Once cashed out by swiping cards at POS machines or cashing out through online transactions, the bank will take measures such as reducing the limit or freezing the relevant credit card, which will affect personal credit records. In serious cases, it may also lead to legal consequences.

6. Credit card repayment channels

Bank credit cards can be repaid through the following channels: account binding automatic transfer, cash or transfer, online banking, telephone self-service terminal, telephone banking, Self-service equipment, etc.

7. Maintain good personal credit

Please remember the credit card statement date and repayment date, check the credit card statement regularly, make credit card repayments in a timely manner, and maintain a good credit record. Spend reasonably according to your own income level to prevent high repayment pressure from affecting your daily life.

Reference material: Bank of China official website - Bank of China Credit Card Application Guide?