I. Counter application

1. Personal valid certificate: I carry my valid identity certificate, military officer's card, original household registration book and its attachments. If you are a Hong Kong, Macao and Taiwan compatriot or foreigner, you need to provide residence permit, passport, local ID card and other documents.

2. Proof of credit information: the payroll or income certificate issued by the applicant's work unit or the copy of the salary passbook/bill issued by the bank (subject to the information of the first three months' salary entry), or the copy of the personal income tax withholding certificate (valid). Provide daily necessities, including water, electricity and gas. Providing bills of commonly used credit cards or proof of real estate (individual) can increase the application amount of credit cards to a certain extent.

Second, online application

Log in to Bank of Communications and apply for official website by credit card.

At present, the application does not need to be submitted by outlets, and one of them can be successfully applied: college degree or above, long-term stable payment of five insurances, and certain assets in Bank of Communications.

You can receive the card about 5 days after submitting the application.

Extended data:

Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand.

Baidu encyclopedia-bank of communications credit card center