What are the requirements for applying for a credit card at the bank?

Before applying for a credit card at the bank, you need to make preparations. The preparation work can be divided into the preparation of credit card application qualifications and the preparation of credit card application materials.

1. Qualifications required to apply for a credit card at a bank: (1) Applicants must have good income. Good income status is the basic condition for applying for a credit card. Generally, the credit card limit applied by the applicant cannot be higher than twice the repayment ability.

(2) Applicants for credit cards must have stable jobs. A stable job means a stable repayment ability. The risk of funds lent by banks to employed applicants is less than that of the unemployed.

(3) Credit card applicants must have good credit qualifications. Good credit qualifications determine whether the bank can agree to issue the credit card limit to the credit card applicant.

(4) Other application qualifications. For example, applicants must meet the age requirements of banks when applying for credit cards. Applicants are generally required to be under 65 years old and over 18 years old.

2. When applying for a credit card at the bank, you must prepare credit card application materials: (1) Personal identity certification materials should be prepared before applying for a credit card. For example, second-generation ID card, temporary residence permit, household register, etc. This is to facilitate banks to check age and other information during review.

(2) Personal credit certification materials should be prepared before applying for a credit card. For example, the personal credit assessment report issued by the People's Bank of China is Sesame Credit Score.

(3) Work certification materials should be prepared before applying for a credit card. You can provide the bank with payment bills for five insurances and one housing fund, salary payment vouchers, work permits, business licenses and other materials.

(4) Personal property certification materials should be prepared before applying for a credit card. Provide the bank with ownership certificates of personal property, such as real estate, cars, etc.

(5) You can provide the bank with academic certificates, card application certificates from other banks, etc.

What are the requirements for going to the bank to apply for a credit card?

Credit card application conditions:

1. Whether it meets the requirements of the bank 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)

Additional requirements for applying for a credit card are:

1. Educational certificate. The level of academic qualifications will affect the credit card limit. Generally speaking, the higher the academic qualifications, the higher the limit.

2. Personal credit investigation. Personal credit report is very important when applying for a credit card. Banks will only approve the application if your credit record is good.

3. Asset certificate. If the applicant has a house, car or other assets in his name that can prove his ability to repay, it will be easier to apply.

4. Social security card. If the applicant has a good job and has paid social security, it will be relatively easy to apply for the card.

5. Credit cards and statements from other banks. If there is no social security, the applicant can also show other bank statements or credit cards, which can also prove the repayment ability.

CreditCard, also called credit card. It is a non-cash transaction payment method and a simple credit service. A credit card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit. Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on the Provisions on Credit Cards of the People's Republic of China and the Criminal Law of the People's Republic of China") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, and transfers. An electronic payment card with full or partial functions such as settlement, cash deposit and withdrawal, etc. On December 1, 2017, the "English Translation and Writing Standards in Public Service Fields" was officially implemented.

What do you need to bring when applying for a credit card:

Prepare your ID card and work certificate. Bring your salary card, driver's license, real estate certificate, bank statements and other materials to increase your credit card limit. Bring the information to the bank counter, fill out the credit card application form, submit the materials and apply for the credit card under the guidance of the staff. Provide relevant information online at major banks and get a credit card after verification. Please note that online application is convenient and fast, but it will take time to review.

What are the requirements for Bank of China to apply for a credit card?

Any Chinese citizen who is between 18 and 65 years old, has full capacity for civil conduct, has a legal and stable income, and has a legal and stable income in China. Foreigners and compatriots from Hong Kong, Macao and Taiwan who meet the right of residence and other conditions can apply for Bank of China credit cards locally.

Document requirements for applying for a credit card: Chinese residents: a copy of the resident ID card, military personnel can provide a copy of the military officer ID card;

Foreigners: a copy of the passport and the "Foreigner Residence Permit" 》Copy or copy of "Permanent Residence Permit for Foreigners"; for Hong Kong, Macao and Taiwan residents: "Mainland Travel Permit for Hong Kong and Macao Residents" or "Return Permit for Hong Kong and Macao Compatriots" or "Mainland Travel Permit for Taiwan Residents".

The above content is for your reference, please refer to actual business regulations.

What are the conditions for applying for a credit card?

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

2 .Have legal and stable income and good credit;

3. Provide corresponding identification 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.

Let’s stop here to introduce the requirements for banks to apply for credit cards.