1. There are two main requirements for credit card application: \x0d\ 1. Age requirement: 18-60 years old; \x0d\2。 Have a stable job and income source. \x0d\ II。 Materials and certificates to be provided when handling: \x0d\ 1. Domestic residents only need to provide: a completed and signed application form, identity certificate, residence certificate and income certificate; \x0d\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; \x0d\3。 If it is a private owner, in addition to the above information, it is also necessary to provide: a copy of the business license showing the name of the applicant, the name of the enterprise and the start date. \x0d\ III。 If you want to apply for a large credit card, you need to provide good proof of economic strength, such as a copy of real estate license and a copy of car driving license; Bank loan account (good credit, overdue for no more than 60 days) or copy of deposit certificate, etc. \x0d\ IV。 Cash withdrawal by credit card: \x0d\ 1. Cash withdrawal from credit card overdraft: \x0d\A handling fee: depending on the regulations of various banks, for example, CCB credit cards charge 0.5% of the cash withdrawal amount, with a minimum of 2 yuan per transaction and a maximum of 100 yuan per transaction; The credit card of China Merchants Bank is charged at 1% of the cash withdrawal amount, with a minimum of 10 yuan per transaction; \x0d\B Interest: calculated at five ten thousandths of the daily interest rate. \x0d\2。 Cash withdrawal of credit card overpayment: some banks need to charge fees, while others don't. For example, the handling fee of China Merchants Bank is 0.5% of the withdrawal amount, and the minimum fee is 5 yuan RMB or US$ 65,438 +0. \ x0d \ V card spending: \x0d\ 1. Repay in full and on time, interest-free; \x0d\2。 Pay the minimum repayment amount on time at the rate of 0.5 ‰ of daily interest; \x0d\3。 If the repayment is overdue, there will be a late fee in addition to the above interest.