Bank of China’s VISA full-currency credit card application guidelines are as follows:

First of all, applicants need to prepare necessary documents and personal financial proof, such as salary slips, work certificates, vehicles or real estate If you need proof, etc., go directly to a Bank of China branch for an interview, or contact a credit card salesperson for assistance. Banks are relatively lenient in their credit assessment of ordinary office workers. Generally, working people with a certain amount of savings (such as 10,000 to 20,000 yuan) have a higher application success rate.

One of the highlights of this credit card is that there is no annual fee for life, and SMS notifications for transactions are completely free. Regardless of whether the currency you spend is US dollars, RMB, or other currencies, you can directly deposit it into your account, but you need to pay attention. Yes, although there is a VISA channel, it can only be used at Bank of China’s POS machines or terminals with the VISA logo. This makes it particularly suitable for use abroad. For example, when students go abroad, they can fill out the application form through the counter. The success rate is about 50%, but the initial limit may not be high. You can increase the usage limit by depositing US dollars.

However, it is important to note that the use of this card in China is restricted and cannot be used to withdraw cash at ordinary ATM machines. It can only be operated at the ATM machines of Bank of China. Therefore, it is mainly designed for people traveling abroad, studying abroad or doing business. As for the Platinum Card, it is an invitation-only product of Bank of China and ordinary customers cannot apply directly.