1, the parties apply to the bank;

2. Review; After receiving the application form and relevant materials submitted by the applicant, the bank shall review the applicant's credit standing;

3. Card issuance; After the applicant successfully applies for a credit card, the issuing bank will open a separate credit card account for the cardholder at the issuing bank;

4. Open the card; Check the relevant personal information provided at the time of application by telephone or internet, and complete the card opening procedure after it meets the requirements.

What are the requirements for applying for a credit card?

To apply for a credit card, you need to meet the following conditions:

1, the applicant must be at least 18 years old;

2. The applicant should have a work unit and a stable income;

3. The applicant's personal credit information should meet the requirements of the credit card center;

4. The applicant shall have a fixed residence.

Legal basis: Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks.

The term "credit card" as mentioned in these Measures refers to all kinds of media that record the relevant information of the cardholder's account, have the function of bank credit line and overdraft, and provide relevant banking services for the cardholder.

Article 17

A commercial bank applying for credit card business shall meet the following basic conditions:

(1) The company has good corporate governance, its main prudential supervision indicators meet the relevant regulations of the China Banking Regulatory Commission, and it has an organizational structure and rules and regulations suitable for business development, and its internal control, risk management and accountability mechanisms are sound and effective;

(2) It has a good reputation, has a sound and effective internal control mechanism and case prevention and control system, and has no major violations of laws and regulations or major malignant cases in the last three years;

(3) Having directors, senior managers and qualified employees who meet the post-holding qualifications. Senior management personnel should have at least 1 personnel with professional knowledge and management experience in credit card business, technical personnel and management personnel necessary to carry out credit card business, and fully implement hierarchical authorization management;

(4) Having business premises, relevant facilities and necessary information technology resources suitable for business operation;

(5) It has established business systems in China that meet the requirements of laws, regulations and business management, and has the technical ability to ensure the information security and operation quality of relevant business systems;

(6) To start foreign currency credit card business, it shall have the foreign exchange settlement and sale business qualification approved by the foreign exchange administration department of the State Council and the foreign exchange business qualification (or foreign exchange business scope) approved by the China Banking Regulatory Commission;

(7) It meets other prudential conditions stipulated by the China Banking Regulatory Commission.