No matter which bank we apply for a credit card, we need to meet the credit card application conditions if we want to apply successfully. Generally, the credit card processing conditions of different banks and different card types will be slightly different, but if users want to apply for a credit card, no matter which bank, they need to meet the following basic processing conditions.
1, the age of the credit card applicant should be between 18-60 years old and be a legal citizen with full civil capacity in China;
2. The credit status of the credit card applicant shall be good, and there shall be no record of serious overdue repayment;
Credit card applicants should have a stable economic income.
Generally, users who meet the above conditions can apply for a credit card at the bank. However, if users want to apply for credit cards such as gold cards and special cards, they need to meet the special regulations of the bank. For example, if they want to apply for a gold card, their income must reach a certain amount before they can apply. Specific circumstances, users can directly ask the handling bank.
Credit card process
After users decide to apply for a credit card, they can apply for a credit card through bank outlets, bank official website and home visits by credit card staff. The specific procedures are as follows:
I. Bank outlets of credit cards:
Users can choose the bank they want to apply for, bring their ID cards directly to the bank outlets, and then inform the bank lobby manager that they need to apply for a credit card. At this time, the lobby manager will give you a credit card application form, fill in the information according to the requirements of the form, then take the number at the number machine, wait for the counter to call their number, and then go to the counter to submit the application form and personal ID card to the staff. After the submission is successful, the staff will handle it for the user and wait for the audit result.
Two. Bank official website handles:
Now every bank has its own official website. Users can visit the official website of their own bank, then find the credit card section on the homepage, click Enter, select the type of credit card they want to apply for, submit their application materials according to the page prompts, and then wait for the audit results.
Third, the staff come to the door to handle:
Users can call the customer service phone of the bank credit card center and tell them that they need to apply for a credit card. I hope the staff can help them. At this time, the bank will arrange the corresponding staff to handle it, and only need to handle it according to the requirements of the staff and submit the application.