Compared with the traditional application method, online credit card application does not need to provide complicated information, just fill in the application form online and submit it. However, if you want to improve the success rate of applying for a card and the approved amount of the card, then you must provide sufficient financial proof.
So, how to provide financial proof when applying for a credit card online? Come and have a look with me. At present, major domestic banks such as ICBC, China Construction Bank, Agricultural Bank, Bank of Communications, China Everbright Bank and China Merchants Bank have all opened online application channels. In principle, these banks do not need to submit materials when applying for credit cards online. If you need to submit them when the local card department reviews them, you should wait until the cards are issued and received at the outlets.
As far as I know, many bank credit cards cannot upload financial resources, work and other related certificates in official website. Generally, after your credit card application passes the preliminary examination, the bank will send you a short message, so you can bring relevant financial resources (house book, car book, work certificate, etc.). ) to the designated outlets for processing.
What financial proof do I need to submit to apply for a credit card? Generally speaking, you can provide the following six kinds of financial proofs when applying for a credit card, including but not limited to bank salary records, income tax withholding vouchers or documents proving the market value of your house, car, deposit and investment, as shown below:
Social security and provident fund prove that you have generally worked in the same company for more than 3 months, and you have a record of paying five insurances and one fund, which can prove that your job is stable and enable banks to earn pre-tax income through social security payment. Generally speaking, applying for a credit card is a more effective proof. For example, postal services pay more attention to provident fund, while Everbright pays attention to social security.
Proof of deposit If you intend to apply for a credit card from that bank, it is also very useful to hold a time deposit for more than 3 months in this bank or buy corresponding wealth management products. (If Xingye is involved, it must be approved to apply for a deposit of 40,000 yuan at the outlet. )
Self-employed individuals without a business license can provide a copy of the business license as the materials for applying for a credit card, but the business license must be registered for more than 6 months.
Real estate and vehicle production certificates are auxiliary materials, which can prove the financial resources of submitting materials to banks, which is very helpful for quota evaluation.
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Can I get a credit card without financial proof?
Some card friends think that you must submit proof of financial resources to apply for a credit card, but in fact, you can apply for a credit card without proof of financial resources. However, if you can provide financial proof when you apply for a card, the chances of getting off the bus are still relatively high. The more financial proof you provide, the easier it is to get a large credit card. So, how can I get a credit card without financial proof? Let's take a look together.
What financial proof do I need to apply for a credit card?
There are many kinds of economic certificates commonly used when handling cards. You can provide one or more, including but not limited to bank salary records, income tax withholding vouchers (tax payment certificates) or documents proving your financial level, such as housing, cars, deposits and investment market value.
It should be noted that the real estate license must contain the name of the person or spouse, with proof of relationship; The driver's license must be my name.
These financial certificates are mainly submitted for the bank to evaluate the applicant's qualifications. Generally speaking, people with stable jobs and high incomes can get high credit cards, but that doesn't mean they can't apply for credit cards without a financial certificate.
How to apply for a credit card without financial proof?
In the case of this netizen, you can apply for a credit card, but since the cardholder can only provide an ID card, it is recommended to apply online, because it is not necessary to submit complicated information, such as financial proof, to apply for a credit card online.
Under normal circumstances, the applicant can directly log on to the credit card network page of each bank, select the credit card type pushed by the bank online, and fill in the application form to complete the application. The whole card processing process is usually divided into the following four steps:
Step 2: Fill in the applicant's personal name, ID number, family situation, work situation and other basic information on the application page, and then submit the application.
Step 3: After submitting the application, the credit card center will review the applicant's information, and the applicant can check the progress of card processing through telephone banking and the Internet.
Step 4: After the bank has completed the audit, it will send relevant short messages to the applicant, informing them of the audit results and the approved amount. After the first trial is passed, the online loan credit card still needs to go to the bank outlet for face-to-face signing, and it is possible to get the card after the face-to-face signing is successful.
What is a credit card financial certificate?
Proof of financial resources: it can be the payroll record issued by the bank, or the income tax withholding certificate, or the market value certificate of the house, car, deposit and investment (such as a copy of the real estate license/car driving license) and other materials that can prove your economic level. Other documents for reference include: social insurance personal account list in the last 6 months, water and gas bills, credit card bills of other banks, etc. Financial proof is helpful to the pass rate. You can choose to provide it or not. To apply for a credit card, you must reach the age of 18, and then you must meet one of the following conditions:
1. If you have a job, you can show your income certificate/payroll/salary card, or leave your work unit phone number for the bank to check;
2. If there is a real estate license or owner's license, show the original and submit a copy;
3. If social security is withheld in the four major banks, you can apply at the withholding bank;
4. ICBC has some ultra-low credit cards (minimum 0. 1 yuan), and the processing standards are very low. After a few months of use, the amount will automatically increase and can be used as a card.
China Merchants Bank can distribute credit cards by opening an account and depositing 1 ten thousand yuan for three months.
6. Official payroll or income certificate issued by government agencies and enterprises in the last three months (company seal or department seal is required);
7. A copy of the self-owned property certificate;
8. Copy of bank deposit slip/passbook. With the help of these eight documents, if you apply for a credit card, you will have a greater chance to apply for a high-value card. Proof of financial resources is such as property certificate, income certificate, deposit certificate, etc. Banks can check through the system of the central bank. If you provide false certification materials to the bank, you may be rejected, and you are more likely to be blacklisted by the bank, which will affect future loans and card processing. If you meet the requirements, please go to the bank outlet to get the application form, fill it out and return it to the outlet together with all the supporting materials.
If you don't meet the above conditions and don't ask for overdraft, you only need the payment function of the credit card channel. You can apply for an international debit card with a credit card channel, and you can use it immediately without applying. All the big banks have them.
How to provide financial proof for online credit card application
If you need to apply for a card, you can choose a more convenient and quick way to apply for a card, that is, apply for a credit card online. Compared with the traditional credit card application method, online credit card application does not need to provide complicated information, just fill in the application form online and submit it. However, if you improve the success rate of applying for a card and the approved amount of the card, you need to provide sufficient financial proof. Then, how to provide financial proof when applying for a credit card online? Let's take a look together.
How to submit financial proof when applying for a credit card online?
Major domestic banks such as ICBC, China Construction Bank, Agricultural Bank of China, Bank of Communications, China Everbright, Guangfa and China Merchants Bank have all opened online application channels. In principle, these banks do not need to submit materials when applying for credit cards online. If you need to submit them to the local card department for review, you should wait until the cards are issued and collect them at the card collection outlets.
But as far as we know, many bank credit cards are unable to upload financial resources, work and other related certificates in official website. Generally, after your credit card application passes the preliminary examination, the bank will send you a short message notice, and you can bring relevant financial resources to the designated outlets for processing.
What financial proof should I submit to apply for a credit card?
Generally speaking, when you apply for a credit card, you can provide six kinds of financial certificates, including but not limited to bank salary records, income tax withholding vouchers or documents proving the market value of your house, car, deposit and investment, as shown below:
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 that the loan is deducted on time. It mainly examines the stability of the borrower's first repayment source and its debt ability.
2. Social security certificate
Generally speaking, working in the same company for more than 3 months and having a record of paying social security can prove that your job is stable and enable banks to estimate pre-tax income through social security payment 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 time deposit for more than 3 months in this bank or to 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 supplementary information can prove the strength of the submitter to the bank, which is usually helpful to the evaluation of the credit limit. If you apply for a high-grade 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 part of the card application materials.
Do I need financial proof to apply for a credit card?
Financial proof is helpful to the pass rate. You can choose to provide it or not. Of course, to apply for a credit card, you must be at least 18 years old, and then you must meet one of the following conditions: 1, if you have a job, you can show your income certificate/payroll/salary card, or leave your work phone number for bank inspection; 2. If there is a real estate license or owner's license, show the original and submit a copy; 3. If social security is withheld in the four major banks, you can apply at the withholding bank; 4. ICBC has some ultra-low credit cards (minimum 0. 1 yuan), and the processing standards are very low. After a few months of use, the amount will automatically increase and can be used as a card. China Merchants Bank can distribute credit cards by opening an account and depositing 1 ten thousand yuan for three months. If you meet the requirements, please go to the bank outlet to get the application form, fill it out and return it to the outlet together with all the supporting materials. If you don't meet the above conditions and don't ask for overdraft, you only need the payment function of the credit card channel. You can apply for an international debit card with a credit card channel, and you can use it immediately without applying. All the big banks have them.
What does the credit card financial certificate include?
When applying for BOC credit card, you need to submit proof of financial resources, including: personal property, automobile production, salary certificate (detailed information of the last six months), complete tax payment certificate, provident fund, social insurance withholding certificate, employment certificate (official seal/financial seal of the company is required) and so on. Please consult the credit card office for details.
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.
So much for the introduction of credit card financial proof.