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.
Extended data:
New central bank regulations
On April 20 16, the people's bank of China issued the notice of the people's bank of China on credit card business, which came into effect on October 20 17 10.
The Notice requires the upper and lower limits of credit card overdraft interest rates to be managed. The upper limit of overdraft interest rate is five ten thousandths of daily interest rate, and the lower limit of overdraft interest rate is 0.7 times of daily interest rate.
Mainly based on the following considerations: First, the implementation of step-by-step reform will help card issuers to further accumulate pricing data and experience during the transition period and guide them to improve the credit card interest rate pricing mechanism.
Second, the risk control ability and pricing ability of credit cards of various card issuers are uneven. Guiding the upper and lower interest rates will help prevent individual card issuers from blindly reducing prices and fighting price wars, which will lead to unfair competition and excessive borrowing by high-risk customers, thus increasing credit risk and causing local market chaos.
Third, under the circumstance that the information disclosure mechanism needs to be strengthened, setting an overdraft interest rate ceiling will help prevent individual card issuers from unreasonably charging excessive interest and protect the legitimate rights and interests of cardholders. ? [
References:
Baidu encyclopedia-credit card