The basic requirements for applying for a credit card in all banks are the same. You must be over 18 years old, have a stable job income, and have good credit. Of course, it will be better if you have certain assets.

< p> Summarizes the card application methods through the following bank channels:

First, to apply for a card through a bank outlet, you must bring your ID card and proof of work income (usually including: work permit from the unit, employment certificate, salary card statement (It is best to be more than 3 months old), tax bills, social insurance policies, provident fund bills, etc. for the past 3 months. Not all of these are required, just have them.) If you can attach some proof of financial resources, such as real estate, car ownership, bank time deposit certificates, financial management, etc., it will be very helpful for applying for a card.

Second, most banks now also allow you to apply for cards through online channels, such as mobile banking, online banking, official WeChat, official credit card websites, etc. (I use China Construction Bank, and its website is easier to apply for a card than its branches. It’s much more convenient to apply for a card. The main reason is that it has enough outlets and convenient repayment. There are also quite a lot of activities recently, and it’s good to use.) You might as well give it a try.

In terms of use: Credit cards can be used to make purchases at merchants with POS machines. They have basic financial functions of spending first and repaying later, and using the credit limit cyclically

Of course, credit cards can also be used for overdraft and cash withdrawals. , generally credit cards have a fixed limit and a cash withdrawal limit. The cash withdrawal limit of most bank credit cards is configured according to 50% of the credit card limit

In addition, credit cards have a fixed billing day. This day will The bill will be settled for you, and you can pay it back before the due date. Overdue payment will also affect your personal credit, so you need to pay attention to it.