Credit Card
A credit card means you buy now and pay later. Your bank (issuer of the credit card), pays the amount for the product or a service right away and has to be repaid within a period of time. This card is very useful if you have to purchase a product immediately and have no ready cash.

What are the documents required to avail a credit card?
You need to submit a copy of your PAN card.
You need an identity proof and an address proof such as a passport, driver’s license or a voter’s card as part of your KYC (Know Your Customer), needs.
If you are salaried you show copies of your last 3 months salary slips and bank statements.
You need a copy of form 16 as well as your last 3 years Income Tax Returns.
If you are self employed you require to show Income tax returns, your profit and loss account and your business card. You might also have to own a vehicle and your business must have credibility.