Among the four major state-owned banks, Agricultural Bank of China, Industrial and Commercial Bank of China, and Bank of China have relatively high credit card application thresholds.

In addition to providing basic personal information, ICBC also needs to submit proof of real estate and income. Agricultural Bank of China not only has a higher threshold, but also has fewer types of credit cards. It needs to provide valid identity documents and proof of income in the past three months. If you want to apply for a credit card with a higher limit, provide proof of personal financial resources.

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To apply for a credit card, applicants first need to meet the credit card application conditions specified by the bank. Different banks have different credit card application conditions. However, in terms of necessary conditions, each bank requires applicants to be over 18 years old, have a stable job and income, and have a good personal credit record. Users who meet the basic conditions can try to apply for a credit card from the bank.

Users who meet the basic conditions can choose the appropriate processing channel according to their personal circumstances. Users can directly go to the bank branch to apply for processing, or they can apply through online banking, mobile banking, or have bank staff come to handle it. In addition, there are many third-party credit card processing institutions on the market. When choosing a processing channel, be careful to choose formal channels.

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