What are the conditions for banks to apply for credit cards

1. Applicants must have good income. Good income status is the basic condition for applying for a credit card. Generally, the credit card amount applied for by the applicant cannot exceed twice the applicant's repayment ability.

2. Credit card applicants must have a stable job. A stable job means stable repayment ability, and the risk of bank loans to job seekers is lower than that of unemployed people.

3. Credit card applicants must have good credit qualifications. Good credit qualifications determine whether a bank can agree to issue credit card credit to a credit card applicant.

4. Other application qualifications. For example, when a bank applies for a credit card, the applicant must meet the age requirements of the applicant, and the applicant is usually required to be under 65 years old and over 18 years old.

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What are the conditions for applying for a credit card?

As we all know, those aged 18~65 Individuals who are over 10 years old, have full civil capacity, have legal and stable sources of income, and have good credit can apply for a credit card. Anyone can apply for a credit card. But whether the card can be successfully approved in the end depends on the person. From the mouths of many card gods, we know that these five types of people are more likely to be approved for credit cards.

When banks approve credit cards, they will score them based on the applicant's qualifications. The higher the score, the easier it is to approve the card. Generally speaking, applicants who meet the following characteristics will not have a very low score.

1. Have a sustained and stable income

In other words, a stable job. Whether the job is stable and whether there is income can reflect the applicant's ability to repay the loan. However, each bank has different views on this income stability.

For example, for the four major state-owned banks, for them, the people with stable jobs are generally employees of public institutions or state-owned enterprises, or employees of Fortune 500 companies. The jobs of these people are quite stable. , the income is also higher than ordinary people, and the repayment ability cannot be underestimated.

But for joint-stock commercial banks, as long as they have a job and income, and the working time is more than 3 months, it is equivalent to being stable. Generally, they are not very picky about the applicant’s workplace. If you are not a person in a high-risk occupation, it is still relatively easy to get stuck.

2. People with large deposits in the bank

People who have large deposits of more than 50,000 in the bank are generally high-quality customers of the bank. In the eyes of the bank, these people have deposits. , so there is no need to worry about their repayment ability. In addition to applying for credit cards on their own initiative, such people will also be invited by banks to apply for cards.

So, if you want to apply for a credit card from a certain bank, it is also a common method to open an account at that bank and save money to buy financial products.

3. College students and other highly educated groups

In fact, China Merchants Bank was the first to open the credit card market for college students. At least before 2010, when college students first came into contact with credit cards, only China Merchants Bank China Construction Bank approves cards for college students.

So, if you are a college student, it is generally easier to apply for credit cards from these two banks.

4. Have a mortgage loan in a bank

If you have a mortgage loan from a bank, it is easy to apply for its credit card, and the limit is at least 10,000. If you want to apply for a state-owned credit card For credit cards from the four major banks, you can try this method.

Some cardholders reported that they got a mortgage from China Construction Bank, applied for a CCB credit card online, and got a gold card with a limit of 10,000 yuan.

Of course, these four situations do not necessarily mean you can apply for a credit card. These are just common situations.

If you want to apply for a credit card quickly, the second one among the three situations that is most likely to meet the conditions is that you have a deposit in the bank. As for how much deposit each bank requires, it is recommended that it be more than 50,000. , after all, banks do not look down upon deposits below 50,000.

What are the requirements for applying for a credit card?

1. There are certain age requirements for applying for a credit card: you must have full civil capacity, that is, you must be 18 years old and above;

2 .Have legal and stable income and good credit;

3. Provide corresponding identity documents: copy of ID card or military officer's certificate;

4. Work certification documents. Some banks also require proof of income and financial resources.

Proof of financial resources can include a copy of the real estate certificate, a copy of the motor vehicle driving license, a bankbook, etc. Anyway, the proof of financial resources depends on the individual's repayment ability, which is easier to handle;

5. The proof of residence can be a copy of the household registration book, or a certification document issued by the street, or other certification materials. This is easier to do;

6. There is also an application form for applying for a credit card.

Legal basis:

Notice of the People's Bank of China on matters related to credit card business: Bank card clearing agencies should work with card issuers and acquirers to strictly follow the relevant regulatory regulations on bank card business. Further improve the rules and technical standards for credit card transactions. Each card issuer and acquirer should truly reflect and accurately identify business types such as cash withdrawals, cash transfers, cash recharges, etc., completely transmit transaction information, and ensure the authenticity, completeness, traceability and consistency of transaction information in the payment process. , to facilitate card issuers to identify and judge risks and ensure the safety of credit card transactions.

Article 35 of the "Commercial Bank Law of the People's Republic of China": Commercial banks shall strictly examine the borrower's purpose of borrowing, repayment ability and repayment method when granting loans.

Commercial bank loans implement a separation of review and loan approval and a hierarchical review and approval system.

Article 36 of the "Commercial Bank Law of the People's Republic of China": For commercial bank loans, the borrower shall provide guarantee. Commercial banks should strictly examine the repayment ability of the guarantor, the ownership and value of the mortgage and pledge, and the feasibility of realizing the mortgage and pledge.

After review and evaluation by a commercial bank, it is confirmed that the borrower has good credit and is able to repay the loan, and no guarantee is required.

Article 37 of the "Law of the People's Republic of China on Commercial Banks": A commercial bank shall enter into a written contract with the borrower when granting loans. The contract should stipulate the type of loan, purpose of loan, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties deem necessary to agree upon.

What are the conditions for applying for a credit card

1. Credit card application conditions:

1. Whether it meets the bank’s requirements for issuing a credit card

2. Aged between 18 and 65 years old

3. Have a stable career and income

4. Have good credit and the ability to pay interest on time

5. Natural persons with full capacity for civil conduct (robots, vegetative persons, minors, and mental patients to a certain extent are not allowed)

2. When applying for a credit card, you need to submit the following materials:< /p>

1. Identity proof materials: a copy of your personal ID card;

2. Work certificate and income certificate: including the original and copy of your work certificate, and your salary for the past three months Bank statements, etc.;

3. Other financial proof materials: if you have bank deposits in your own name, purchased funds, social security, etc.

Article 7 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks" The term "credit card" as mentioned in these Measures refers to a credit card that records relevant information of the cardholder's account, has bank credit limit and overdraft functions, and provides cardholders with relevant Various media for banking services.

That’s it for the introduction of the conditions for banks to issue credit cards.