1, age requirement: the age is between 18 and 65;
2. Income and asset requirements: stable occupation and income;
3. Credit and ability requirements: good credit and the ability to repay the principal and interest on time;
4. Have full capacity for civil conduct.
The difference between a first-class card and a second-class card
1, Class I accounts are fully functional accounts, and our commonly used debit cards belong to Class I accounts, which have the functions of cash deposit and withdrawal, transfer, wealth management, payment, etc. Class I accounts are not subject to the limit. Only one type of account can be opened through the bank counter, as required by real-name registration system.
2. Class II card is equivalent to a wallet, and its main functions are savings deposit, investment and financial management, daily consumption, payment, etc. Class II card has no physical card and is a virtual account. Class II cards are funded by Class I cards. The biggest difference between Class II card and Class I card is that Class II account does not support cash deposit and withdrawal, nor does it support transfer to unbound account. In addition, there is a limit on the transfer of Class II bank card accounts, and the maximum daily transfer can be 65,438 yuan+10/00,000 yuan. If the user wants to transfer 20,000 yuan a day, it is impossible, and it takes two days to complete the transfer. The maximum annual transfer amount is 200,000.
Quota sharing
Credit line sharing means that credit cards of the same bank and brand share the same credit line (generally the highest credit line for one card). Although several cards have their own credit limits, the total overdraft in use cannot exceed the shared credit limit of the brand credit card.
For example, if you hold five credit cards from a bank with a credit line of 10000 yuan, then these five credit cards share the credit line of 10000 yuan. When you overdraw 2000 yuan with one card, you can also overdraw 8000 yuan with the other four cards.