First of all, you should understand that a credit card is not an ordinary bank account. When you spend money with a card, you will not directly deduct the funds in your credit card, but charge it first, and the amount of charge will not be drawn from the card until the settlement date of the bank where the account is opened. There is a problem here, that is, what if the cardholder spends more than the account balance? What if the cardholder can&;t pay off the debt before the settlement date?
So someone invented this thing, credit. From the time you apply for an ID card, you have a credit, which will be stored in the national database. When your credit card debt is not paid off in time, the credit will be reduced, and there is a record, which cannot be eliminated, in other words, it will be with you for a lifetime. If you have a bad record, the major banks will not handle your credit card.
To sum up, it is difficult for banks to manage credit card business, so the conditions for opening a credit card account are naturally more difficult than ordinary bank accounts, not only for Bank of Communications, but also for all banks.
The conditions for banks to handle credit cards are basically the same. There is no bad credit record in :, personal ID card, proof of the unit where they work, and the principal for opening an account is 10,000 yuan.
Now, in order to expand their business, some banks will go to colleges and universities to handle some accounts specially prepared for students, and the conditions for opening accounts are relatively low, but the conditions for use are also limited accordingly.
The hand is hard, I hope I can understand it.