In addition, you can submit some credit proof materials, such as a copy of real estate license, a copy of vehicle driving license, a copy of time deposit for more than one year or a tax payment certificate. , depending on the requirements of the outlets.
Extended data:
Classification:
First of all, according to the different card issuers, it can be divided into corporate cards and personal cards.
1, company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.
2. Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.
Two, according to the cardholder's reputation, status and other credit status, can be divided into ordinary cards and gold cards.
1, ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.
2. Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.
Three, according to the different payment methods, credit cards can be divided into credit cards and quasi-credit cards.
1, credit card. That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation. In other words, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used for international circulation.
2. quasi-credit card. It's a credit card issued by the bank. Deposit first and then spend. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance as a backup. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed.
Four, according to the different circulation scope of credit cards, they can be divided into international cards and regional cards.
1, international card. International card is a kind of credit card that can be used outside the issuing country and is universal. Most of the five overseas groups (MasterCard, Visa International, American Express, JCB and Diners Club) belong to international cards.
2. Regional card. Regional card is a kind of credit card that can only be used in the country or region where the issuing bank is located. Most credit cards issued by commercial banks in China belong to regional cards.
Baidu Encyclopedia-Agricultural Bank of China
Baidu encyclopedia-credit card