1. Now many users have their own credit cards. Credit cards are really a convenient way to spend money, but not everyone can do them. In order to successfully apply for their own credit cards, users need to meet the conditions for handling credit cards in order to succeed.
2. So, what are the requirements for applying for a credit card? I need to be at least 18 years old, and I need to be a legal citizen with an ID card in China; No bad credit record and good personal credit status; Have a stable job and financial resources, and the bank recognizes the repayment ability of users.
3. Generally, users who meet the above three points can basically successfully apply for their own credit cards. If users want to get a higher credit card limit, they can also provide some proof of their own income when applying for a credit card. Real estate license, etc. To prove their repayment ability and improve the credit limit for credit card approval.
4. However, more college students want to apply for credit cards, and there are two other ways: to apply for college students' co-branded cards: at present, many banks have launched college students' credit cards specifically for college students, but generally speaking, the amount of such credit cards is not high, or even 0, and users can apply after consulting the bank; Handling supplementary cards for credit cards: ordinary credit cards can handle supplementary cards, so college students can handle a supplementary card for their parents' credit cards to use, share the credit line with their parents, and repay the money after consumption.
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Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.