It is free to apply for a credit card with QQ number. Generally, credit cards are exempt from the annual fee in the first year, and the annual fee in the following year can be exempted if the number of swipes meets the requirements. For example, the annual fee-free policy of China Merchants Bank's credit card: First, the annual fee is free, and the annual fee is free after swiping the card six times in the same year, and so on.

First, there are two main conditions for applying for a credit card:

1, age requirement: 18-60 years old;

2. Have a stable job and income source.

Second, the materials and certificates that need to be provided when handling:

1. Domestic residents only need to provide: a completed and signed application form, identity certificate, residence certificate and income certificate;

2. Foreigners and Hong Kong, Macao and Taiwan people also need to provide: a foreigner's residence permit (the reason for residence must be employment) or a foreigner/Hong Kong, Macao and Taiwan people's employment permit;

3. If it is a private owner, in addition to the above information, a copy of the industrial and commercial business license showing the name of the applicant, the name of the enterprise and the opening date shall also be provided.

3. If you want to apply for a large credit card, you need to provide a good proof of economic strength, such as a copy of the real estate license and a copy of the car driving license; Bank loan account (good credit, overdue for no more than 60 days) or copy of deposit certificate, etc.

Fourth, the handling method:

1, bank counter application;

2. Credit card application in official website;

3. Apply to the bank credit card salesman;

4. You can apply on WeChat;