Banks and other credit card providers have different set of requirements. However, there are common ones which include a filled-out application form, proof of income (a pay slip or an annual tax return form), proof of residence which includes any bill that states your actual address, ID pictures, and the like. These items are just some basic requirements needed by a credit card provider. In order to be accurate, you may want to call their credit card customer service to know detailed information about their requirements. You may also visit their branch if you have time to do so.

Another important factor that you need to prepare prior to any credit card application is your credit rating. You need to be certain that your background is clear and that you don’t have any history of bad credit. Otherwise, you might have little chance of being granted a credit card. If you do have problems with your credit rating, there are still banks though that accepts such applications but with some special clauses or conditions.

Credit cards are also classified into different types depending on the credit limit. In general, these are basic, silver, gold and platinum cards. Credit cards under basic and silver usually have lower credit limit compared to gold and platinum. Banks and credit card companies will recommend the type of credit card that fits your income range or your capacity to pay. From a cardholder’s point of view, it’s also advised to have cards will lesser credit limit especially if the person’s income isn’t that high. Otherwise, there will be a risk that that person may eventually run into trouble to erase credit card debt.