When handling any credit cards and loans, you will not log in to Xuexin.com to check your education. What you write will be reviewed according to what you write. When applying for a credit card, a high degree of education is only a bonus item, which will not directly or decisively affect whether the credit card is passed.
If you apply for China Merchants Bank credit card, you need to be 18-60 years old. If you can provide your ID card (temporary id card needs a copy of the second-generation temporary id card and household registration book with a validity period of more than 3 months), work certificate and income proof materials, you can try to apply. If you apply for a car card, you need to attach a copy of the driving license. If the local branch has clear regulations, the regulations of the local branch shall prevail. Subject to the final audit result of the credit card. If you only have an ID card or are underage, you can apply for a supplementary card for your immediate family members (immediate family members are parents, children and spouses). You can log on to the credit card website, select "Credit Card Application"-"New Customer Application Channel" and apply through the online banking reservation platform of "Easy Reservation, On-site Handling". You can fill in the simple reservation information online and wait for the bank's approval. If it is approved, we will conduct a preliminary examination first. If you pass the preliminary examination, there will be two subsequent card processing processes. One is that if you pass the preliminary examination, a card clerk will contact you to collect it. The other is that you will receive a short message from our bank, asking you to go to the outlet to sign and confirm your application. The details shall be subject to the notice of our bank after the first trial is passed.
First, there are two main conditions for applying for a credit card:
1, age requirement: 18-60 years old;
2. Have a stable job and income source.
Second, the materials and certificates that need to be provided when handling:
1. Domestic residents only need to provide: a completed and signed application form, identity certificate, residence certificate and income certificate;
2. Foreigners and Hong Kong, Macao and Taiwan people also need to provide: a foreigner's residence permit (the reason for residence must be employment) or a foreigner/Hong Kong, Macao and Taiwan people's employment permit;
3. If it is a private owner, in addition to the above information, a copy of the industrial and commercial business license showing the name of the applicant, the name of the enterprise and the opening date shall also be provided.
3. If you want to apply for a large credit card, you need to provide a good proof of economic strength, such as a copy of the real estate license and a copy of the car driving license; Bank loan account (good credit, overdue for no more than 60 days) or copy of deposit certificate, etc.
Fourth, the handling method:
1, bank counter application;
2. Credit card application in official website;
3. Apply to the bank credit card salesman;
4. You can apply on WeChat;
Will I check my education when I apply for a credit card?
I will.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank.
After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
Extended data:
According to the Notice on Issuing the Measures for the Administration of Credit Card Business:
Article 33 Any unit that opens a basic account in a financial institution in People's Republic of China (PRC) may apply for a unit card. You can apply for multiple business cards, and the cardholder qualification shall be designated and cancelled in writing by the legal representative of the applicant or his entrusted agent.
Every citizen with full capacity for civil conduct can apply for a personal card. Personal card holders can apply for supplementary cards for their spouses and 18-year-old relatives, and the number of supplementary cards shall not exceed two at most. The holder of the main card has the right to request the cancellation of its supplementary card.
Thirty-fourth units or individuals to apply for a credit card, should fill in the application form in accordance with the provisions, together with the relevant materials submitted to the issuing bank. For those who meet the requirements, the issuing bank will open a credit card account for the applicant and issue credit cards.
Article 35 The funds in the corporate card account shall be transferred from its basic account, and shall not be deposited in cash, and the funds and sales income from other deposit accounts shall not be deposited in the corporate card account.
The funds in the personal card account are limited to cash deposits held by individuals or transfer deposits with their wages and other legitimate income belonging to individuals. It is strictly forbidden to transfer unit funds into personal card accounts.
Article 36 Credit cards are only used by legitimate cardholders, and cardholders are not allowed to rent or lend their accounts.
Article 37 After the cardholder has paid off the overdraft principal and interest, he may cancel the account under any of the following circumstances:
(a) 45 days after the expiration of the credit card, the cardholder has not replaced the new card;
(two) 45 days after the loss of the credit card, there is no supplementary card and no new card has been replaced;
(3) The credit card was withdrawn by the issuing bank for 45 days due to its bad reputation and was included in the stop payment list;
(four) the cardholder died for some reason, and the issuing bank has recovered his credit card for 45 days;
(five) the cardholder requests the cancellation of the account or the guarantor to cancel the guarantee, and has returned all the credit cards for 45 days;
(6) The credit card account has not been traded for more than two years (inclusive);
(seven) the cardholder violates other regulations, and the issuing bank thinks that his qualification should be cancelled.
Baidu encyclopedia-credit card
Is there a requirement for academic qualifications when applying for a credit card?
There is no academic requirement for applying for a credit card.
In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
Extended data:
How to apply for a credit card:
Method 1: Counter of bank outlets
Going to a bank outlet is the most traditional and oldest way to apply for a credit card. The advantages are: you can fill in detailed information and avoid a series of subsequent troubles; At the same time, you can also consult the bank staff on the spot if you have any questions.
Method 2: Mobile booths
This is also an ancient credit card processing method, which is more common in subway stations, large business districts (business districts) and other places where people are concentrated. However, the biggest advantage of handling credit cards at mobile stalls is that you can get all kinds of gifts, from thermos cups and charging treasures to suitcases, most of which are very practical and of high value.
Mode 3: Online banking
This is the mainstream credit card application method at present, and it is very convenient and quick to apply just by inputting all kinds of information according to the prompts on the relevant pages of official website Bank. Because the input data will be uploaded to the bank credit card center soon, the approval speed is faster. Generally, it takes 5- 10 working days to check whether the approval is passed, and some banks will get the results in about 3 working days.
Method 4: Mobile phone terminal
Generally speaking, sesame credit score is higher than 700 points, and Xiaobai credit score is higher than 90 points. Download Alipay and JD Finance App. After successful login, you can check your credit score, and then find the relevant credit card application page to apply. However, the types of credit cards that can be handled in this way are very limited, and there are generally no more than three types of cards to choose from.
Method 5: Make an appointment at home.
Appointment at home is the best way to apply for a credit card. You can make an appointment through the bank official website, App or telephone, and the bank staff will come to the door one-on-one on time. Optional cards are complete, and questions can be answered on the spot. After you get the card, you don't need to go to the bank to sign it. You can activate the card by phone and online.
Baidu encyclopedia-credit card
This concludes the introduction of credit card education and credit card education. I wonder if you have found the information you need?