In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
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.
The application is generally made by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.
Extended data:
superiority
1, there is no deposit for overdraft consumption, and you can enjoy an interest-free period of 20-56 days. Repayment can be made on time without any charge (most banks will charge 0.05% interest and 2% handling fee on the day of withdrawal, while ICBC will charge no handling fee but interest).
2. It is not only safe and convenient to swipe your card when shopping, but also a bonus gift.
3. Special merchants who hold cards in banks can enjoy preferential treatment.
4. Accumulate personal credit, add a credit record to your credit file, and benefit for life.
5. Access to the whole country is barrier-free, and you can withdraw money or spend money by credit card on ATMs and POS machines with UnionPay logo; (Note: Credit cards are only suitable for credit card spending, and it is best not to withdraw cash, which is very expensive and uneconomical).
6, credit card consumption, some credit cards get existing points, a variety of discounts and sweepstakes throughout the year, so that you can always have surprises as long as you use the card; Most credit cards pay online without points, but online payment is very convenient and fast.
Baidu encyclopedia-credit card