Please refer to the relevant knowledge of credit card processing:

1. In most cases, citizens with full capacity for civil conduct (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.

2. Apply for a bank credit card: As long as you work in the company (that is, you have a direct source of income) and are over 18 years old, you can issue a work certificate and income certificate to the bank (at present, Guangfa Credit Card does not need to issue a work certificate, so long as the cardholder has a shift in one place, you can apply for Guangfa Bank Credit Card) and repay the loan on time.

3. Domestic residents need to provide: a completed and signed application form, identity certificate and income certificate; 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; If you are a private owner, in addition to the above information, you should also provide a copy of the business license showing the applicant's name, enterprise name and opening date (this premise requires that you are the legal representative of the business license).

4. If you want to apply for a large credit card (such as a platinum card), you need to provide proof of good economic strength, such as a copy of the real estate license and a copy of the automobile driving license (non-driving license); Copy of large deposit certificate, etc.

Relatively speaking, national joint-stock commercial banks are easier to handle than the five major state-owned banks.

6. There is no charge for handling credit cards. Whether it can be approved is subject to the final audit result of the bank.

The main ways to handle credit cards are:

1, bank counter application (ID card, work certificate and income certificate need to be prepared;

2. Credit card application in official website;

3. Apply to the bank credit card salesman (at present, Guangfa Credit Card does not need to issue a work certificate, just contact the card salesman to apply for Guangfa Bank Credit Card);

4. You can apply on WeChat (as can other banks):

Industrial Bank: WeChat search WeChat official account pays attention to "Industrial Bank Credit Card Center" and clicks "Micro Card"-"Apply Now".

Guangfa Bank: WeChat searches the official account of "Guangfa Credit Card" and clicks "My Service"-"I want to apply for a card".

China Merchants Bank: WeChat search WeChat official account pays attention to "China Merchants Bank Credit Card" and clicks "I want it"-"Card recommendation".