To apply for a China bank credit card, there are the following requirements:
1. Applicants must be between 18 and 65 years old, and foreigners must be between 25 and 65 years old;
2. The applicant must have full capacity for civil conduct and the ability to bear legal responsibilities;
3. The applicant needs to have a fixed work unit and residence;
4. The applicant should have a good credit record and no bad credit record such as overdue.
For more information about the credit card processing requirements of China Bank, please visit: See More.
China Bank Credit Card Processing Conditions
China bank credit card application conditions: the applicant should be a citizen with full civil capacity and good credit record. Information required for application: 1. Identification: You need to provide identification when handling ordinary savings cards and credit cards. The materials that can be used as proof of identity at the time of application include resident ID card, military officer's card, Hong Kong and Macao residents' pass to and from the mainland, Taiwan Province compatriots' pass to and from the mainland, and foreign passports.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
According to different card issuers, it can be divided into bank cards and non-bank cards.
Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.
Non-bank card.
This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.
According to the different issuing banks, it can be divided into corporate cards and personal cards.
Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.
Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.
According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.
Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.
Gold card.
Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.
What are the conditions and procedures for handling China bank credit cards?
All China citizens aged between 18 and 65 with full capacity for civil conduct and legal and stable income, as well as foreigners and compatriots from Hong Kong, Macao and Taiwan who meet the requirements of having the right of abode in China, can apply for China Bank Credit Card locally.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
What are the requirements for handling China bank credit cards?
China bank credit card application conditions:
1. The applicant must be between 18-65 years old;
2. Have a stable income and a prescribed address;
3. No bad credit record and good personal credit information;
4. Have a valid ID card.
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China bank credit card application conditions:
1, age 18, with full capacity for civil conduct;
2. Have a stable source of income and work;
3. Working for more than half a year;
Banks pay wages instead of cash.
For more information about the requirements for applying for China Bank Credit Card, please visit: See More.
Conditions for applying for a credit card at a bank in China
The conditions for applying for bank credit in China are as follows:
I. Application conditions
All China citizens who have reached the age of 18, have full capacity for civil conduct, have a legally stable income, foreigners who have the right of abode in China, and compatriots from Hong Kong, Macao and Taiwan can apply for BOC credit cards locally.
Second, the application materials to be provided
1. Identification document
(1) Accept the main card application of 18-65-year-old people and the sub-card application of 16-year-old people.
(2) If you are a domestic resident, you need to provide a copy of your resident ID card or temporary resident ID card (double-sided, within the validity period) or a copy of your military officer's card.
(3) If you are a foreigner, you need to provide a valid passport (1); (2) A copy of a foreigner's residence permit or a copy of a foreigner's permanent residence permit attached to the visa page of a valid passport.
(4) Hong Kong, Macao and Taiwan personnel shall provide a copy of the Permit for Hong Kong and Macao Residents to Travel to and from the Mainland or the Home Visit Permit for Hong Kong and Macao Compatriots or the mainland travel permit for taiwan residents.
2. Proof of permanent residence address (you can choose any of the following)
(1) copy of household registration card (book) (2) bills for water, electricity and gas in the last three issues (3) bills for fixed telephone in the last three issues (4) proof of house lease contract (agreement) issued by the unit (5) proof of ownership (6) bills for residential property management fees (7) proof of address issued by the street (8) in the last two issues.
III. Financial vouchers (you can choose any of the following)
(1) Official payroll or income certificate issued by government agencies and enterprises in the last three months (company seal or department seal is required)
(2) Copy of bank payslip passbook/bill (showing the information of salary entry in the last three months)
(3) A copy of the personal income tax payment certificate for the last three months.
(4) Copy of social insurance withholding certificate
(5) A copy of the ownership certificate.
First, the definition of credit card
Credit card, also known as credit card, is a credit payment tool that the bank gives the cardholder a certain credit limit, which is paid first and then repaid.
Second, the application of credit card risk prevention
1. Apply for a credit card through the formal channels of the bank, and don't forward the application through an intermediary or others;
2. When applying for a credit card, it is recommended to indicate the purpose in a prominent position of the personal identity certificate and the copy of relevant certificates, such as "only used to apply for a credit card from XX Bank, and the copy is invalid" to prevent the materials from being used for other purposes.
Third, the main use cost of credit cards.
1. Interest: This non-cash transaction is an interest-free repayment period from the bookkeeping date to the due repayment date (inclusive). Pay off all the overdraft amount in the current period, and no interest will be paid during the interest-free repayment period. Otherwise, interest will be charged at the daily interest rate of 0.5 ‰ of the total overdraft from the bookkeeping date.
2. Annual fee: the annual fee paid by the cardholder when using the credit card. If you don't use a credit card, you won't charge an annual fee.
3. Late payment fee: the fee that the cardholder should pay to the bank according to the regulations when the repayment amount is lower than the minimum repayment amount before the due repayment date (inclusive).
4. Overlimit fee: the fee that the cardholder should pay to the bank when the credit limit is exceeded.
5. Installment fee: When the cardholder asks the bank to provide installment service, he must pay a certain percentage of service fee to the bank.
6. Loss reporting fee: the fee that the cardholder should pay to the issuing bank after the credit card is officially reported lost.
7. Note: There are differences in charge levels of credit cards among banks. Cardholders can carefully understand the specific charging level through bank websites, service telephones, application forms, credit card articles of association and other channels.
Four. The billing date and repayment date of the credit card.
1. billing date: the date when the bank summarizes the accumulated unpaid amount of the cardholder every month and calculates the payable amount of the cardholder.
2. Due repayment date: the latest date when the cardholder should repay all the money or the minimum repayment amount.
V. Safe use of credit cards
1. Sign your name in the signature column on the back of the card as soon as you get it.
2. Protect personal identity information, do not handle credit card business for others, and do not lend identity documents and credit cards to others.
3. Keep the transaction password properly. Don't disclose the password to anyone (including bank staff and police). When entering the password, be careful to cover it with your hands and body.
Please check the credit card amount carefully before signing the purchase order. Don't throw away written materials or credit card documents with personal information at will.
5. Keep your credit card safe. Don't lend your credit card to others; Don't let the card leave the line of sight when swiping the card; For the card returned by the cashier, please confirm whether it is really my card. Credit cards and identity documents are kept separately.
6. Prevent the card from being lost and stolen. If you have any questions about any credit card transaction, you should ask the bank customer service center in time. If you have any questions about the transaction reminder SMS, you should give it back to the bank customer service center in time; If you find the card lost or stolen, you should contact the issuing bank immediately and go through the formalities of reporting the loss.
7. Be wary of phone calls, text messages and the Internet. Remember not to disclose very important information such as personal credit card, expiration date, password and the last three digits of the signature column on the back of the card to others; Don't log on to unknown payment platforms, and beware of false payment websites; Do not reply to suspicious emails or provide personal account information.
8. Don't use credit cards for cash transactions and other transactions. Once it is found that the POS machine swipes the card or cashes in the online transaction, the bank will take measures such as lowering the limit and freezing the relevant credit cards, which will affect the personal credit record and may lead to legal consequences in serious cases.
VI. Credit card repayment channels
Bank credit cards can be repaid through the following channels: account-bound automatic transfer, cash or transfer, online banking, telephone self-service terminal, telephone banking, self-service equipment, etc.
7. Maintain good personal credit.
Please remember the date of credit card bill and repayment date, check the credit card bill regularly, make credit card repayment in time, and keep a good credit record. Consume reasonably according to your income level, so as to avoid repayment pressure affecting your daily life.
References:
Bank of China official website-China bank credit card processing guide
What are the credit card application conditions of China Bank?
1. Conditions for applying for China Bank Credit Card.
All China citizens who have reached the age of 18, have full capacity for civil conduct, have a legally stable income, foreigners who have the right of abode in China, and compatriots from Hong Kong, Macao and Taiwan can apply for BOC credit cards locally.
2. The application materials needed to apply for China Bank Credit Card.
1. Identification document:
Accept 18-65-year-old people's main card application and 16-year-old people's auxiliary card application.
If you are a domestic resident, you need to provide a copy of your resident ID card or temporary resident ID card (both sides are valid) or a copy of your military officer's card.
If you are a foreigner, you need to provide (1) a valid passport; (2) a copy of the foreigner's residence permit or a copy of the foreigner's permanent residence permit attached to the valid passport visa page.
Hong Kong, Macao and Taiwan personnel, need to provide "Hong Kong and Macao residents to and from the mainland pass" or "Hong Kong and Macao compatriots home visit permit" or "mainland travel permit for taiwan residents" copy.
2. Proof of permanent residence address (you can choose any of the following)
Copy of household registration card (book)
Water, electricity and gas three-phase bill
Fixed telephone three-phase bill
Certificate of collective dormitory issued by the unit
Housing lease contract (agreement)
Proof of own property
Payment document of residential property management fee
Address certificate issued by the street
Second-phase credit card monthly statement or three-month personal income tax payment certificate
Other documents that can prove that he has a fixed residence.
3 financial documents (you can choose any of the following)
A three-month official payroll or income certificate issued by a government agency or enterprise (company seal or department seal is required).
Copy of bank payroll passbook/bill (three-month salary entry information should be displayed)
Copy of three-month personal income tax payment certificate
Copy of social insurance withholding certificate
Copy of self-owned property certificate
Copy of bank time deposit and current deposit slip/passbook.
Copies of purchase vouchers of funds, treasury bonds and corporate bonds (name of purchaser, account number and account balance shall be displayed).
Copy of membership card, including: Golf membership card, China Mobile, China Air China bosom friend platinum card, gold card, silver card membership card, China Southern Airlines Pearl card gold card, silver card membership card, China Eastern Airlines Miles Club gold card, silver card membership card (name and card validity period are required), etc.
This concludes the introduction of what conditions China Bank needs to apply for a credit card and CITIC Bank needs to apply for a credit card. I wonder if you have found the information you need?