1, wages are flowing.
The bank's payroll is a guarantee to prove that the borrower has a normal fixed income every month and ensure the timely deduction. The main purpose is to examine the stability of the borrower's repayment source and debt ability.
2. Social security certificate
Generally, if you have worked in the same company for more than 3 months and have a record of paying social security, you can prove that your job is stable, so that banks can estimate their pre-tax income by paying social security fees. Generally, it is a more effective voucher for applying for a credit card.
3. Proof of deposit
If you plan to apply for a bank's credit card, it is also very useful to hold a fixed deposit for more than three months in this bank or buy corresponding wealth management products.
4. Business license
Self-employed individuals with no work experience can provide a copy of their business license as the materials for applying for a credit card, but the business license must be valid for more than 6 months, and the company's bank account needs to be attached.
5, real estate and automobile production certificate
This kind of supplementary information can prove the author's strength to the bank and generally help to evaluate the credit line. If you apply for a high-end or large credit card, it is recommended to attach it.
6. Existing credit cards
This is the legendary card. If there is a credit card that has been used normally for more than 3 months, its copy can also be used as an integral part of the card processing materials.
Extended data
Economic proof
1) A copy of the time deposit certificate or passbook (including the cover of the passbook) of the guarantor with a deposit history of more than half a year before the delivery date and the original deposit certificate issued by the bank.
Note: Treasury bonds, stocks, funds and wealth management products are not recognized (if the bank can issue the deposit certificate of your current passbook, the lowest point in half a year can also be used as a guarantee).
A certificate of deposit will freeze your deposit for 3 to 6 months.
If the time deposit is transferred in the near future, please provide the corresponding deposit interest list and the original deposit certificate or passbook.
If the time deposit history is less than half a year, please apply for a loan for studying abroad:
2) The materials are the original ID card of the applicant, the original ID card of the fund guarantor, a copy of the household registration book, cash or deposit, the admission notice and the name of the school. Note: The loan term (consistent with the duration of the course) is used for studying abroad, and the repayment method is one-time repayment of principal and interest.
Reference Assets Proof Baidu Encyclopedia