Hello, at present, domestic banks are free to handle credit cards. Except for a few special credit card types (such as some banks' DIY cards), there will be no charge for card swiping. As for the conditions for handling credit cards, the regulations of each bank should be different, generally including age limit, job stability and income, and corresponding certification materials are also needed. Generally speaking, applying for a credit card can provide the following proofs:

1. Identity certificate: generally, it is an ID card (two copies are required), and soldiers need to provide a copy of their military ID card;

2. Work certificate: it can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and affix the official seal or personnel seal of the company), or a copy of the work permit/card verified and marked by the sponsor;

3. Proof of financial resources: it can be a payroll record issued by a bank, an income tax withholding certificate, or a market value certificate of a house, a car, a deposit or an investment (such as a copy of the real estate license/car driving license/bank time deposit certificate) and other materials that can prove your economic level.

4. Other documents for reference include: personal account list of social insurance in the last 6 months, water, electricity and gas bills, credit card bills of other banks, etc.