2. Applicants cannot have student loans and other loans, but they can provide copies of ID cards and student ID cards.

3. The applicant's school must be a card-issuing school cooperating with the bank.

4. The applicant's parents need to have a stable job, and the monthly income can help the applicant repay the loan on time.

5. Both the applicant and parents need to have good personal credit and no record of major breach of contract.

6. The applicant must be academically gifted during the school period, abide by the school rules and discipline, and have no disciplinary record.

：

The conditions for applying for a credit card for the first time are as follows:

1, with full capacity for civil conduct;

2. At least 18 years old, the upper age limit is 60 years old, and some banks are 65 years old, which needs to be combined with specific requirements;

3. Have a stable occupation and income;

4. Personal credit information is good and there is no bad credit record;

5. Have the ability to repay principal and interest on time;

6. To apply for a Platinum Card, you need to be a quality customer of the issuing bank, or your annual income meets the requirements of the issuing bank, or you can provide sufficient financial proof.

To apply for a credit card, you need to meet the requirements and provide relevant materials. Only people over the age of 18 can apply for a credit card, and they must have a fixed job and a stable income to ensure their ability to repay the principal and interest. Proof documents are materials such as salary flow and property certificate (note: the more you provide, the more complete it is, and the larger the general amount is).

The three prerequisites are 18 years old, valid ID card and no bad credit record. Basically meet these three conditions, it is not a problem to apply for a credit card. Materials such as fixed work and financial proof will increase personal credit limit, but they are not essential materials. As long as 18 years old, you can apply for a credit card at the bank with your ID card. Many banks also have online application channels. You don't even have to go to the bank, just do it online! (It should be noted that under normal circumstances, college students cannot apply! )

You can apply in the following two ways:

1. Go to the counter of the nearest Ping 'an outlet to apply for a credit card.

Tips: The materials needed to apply for a credit card include: identity certificate, work certificate and other real-name registration system registration certificates.

(1) Identity certificate: including copies of legal and valid identity documents such as resident ID card, military officer's card, passport or township certificate, in which temporary id card is invalid, and the household registration book must be attached. The valid date of the documents shall be based on the date when the credit card center of the Head Office receives the application form.

(2) Work certificate: including the name of the unit and the copy of the work permit (card) of my name, business card and the original certificate issued by the personnel administrative department of the unit (if more than one person applies, one of them must be the original).

(3) Proof documents of real-name registration system registration system: including social security certificate, driving license, real estate license, water and electricity bills, credit cards of other banks, etc. Credit cards are approved according to the application materials provided by customers. It is recommended that you provide relevant financial certificates (mainly including real estate, vehicles, deposits, bonds, investment income and other supporting materials) in addition to valid identity certificates and work certificates, which is more conducive to the approval of credit cards.

2. You can enter Ping An Credit Card official website and select the corresponding card to apply.

Warm reminder: If you apply for Ping An Credit Card for the first time and successfully apply online, you need to bring your ID card and card to the outlet to activate the card.

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.