Materials required for Shanxi Bank credit card application:

1. Valid identity document (including ID card, passport, military officer ID card, etc.) of the applicant (primary and supplementary card), employment certificate Or the original and copy of the work permit; the original and copy of the income certificate (the bank must check the original and keep the copy. The same below).

2. Other information that can be requested when necessary: ??-The original and copy of the applicant's deposit certificate (such as passbook, deposit receipt); -The original and copy of the applicant's real estate certificate; -Application The original and copy of the person's housing mortgage down payment receipt; - The original and copy of the landline payment receipt for the past three months (or utility bill for home address such as water, electricity, gas, etc.).

3. If employees recommend applying for a card and understand the applicant’s situation, the procedures may be simplified as appropriate.

1. Introduction to credit cards

1. Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back.

2. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date.

3. Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card A debit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient to pay, the card can be overdrawn within the specified credit limit.

2. The functions of credit cards:

1. Applying for a credit card can effectively solve the user's problem of insufficient funds, and the application of a credit card does not require a loan or borrowing money from others;

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2. The use of the card has an interest-free period. Users can invest money and repay it later within the repayment period, effectively improving the utilization rate of funds;

3. Credit card The card-issuing banks will cooperate with merchants, and users can enjoy discounts;

4. Timely repayment of credit cards can increase a good credit record. The above are the benefits of credit cards.