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5 tips for applying for a credit card

Time: 2016-12-30         Source: Financial 360 finishing         Author: 360 Financial consolidation

1. Choose the right bankFor credit card. Choose the right bank and apply for a credit card that has actual needs and is suitable for you. Due to different bank characteristics, each credit card has its own merits. When applying for a card, you can choose the bank that suits you according to your actual needs. In general, commercial bank credit cards are easier to apply than state-owned banks. This is because banks compete with each other. Commercial banks are still at the stage of laying the market and are more willing to issue credit cards for applicants with good conditions; and commercial bank credit cards. There are many promotional activities, such as politeness, etc., and encourage qualified people to apply. Recommended for Bank of Communications, CITIC, Guangfa, China Merchants Bank, Industrial Bank, Everbright, Pudong, Citibank and other credit cards.

2. Select the type of card that is easy to lower. Different types of credit card applications have different degrees of difficulty. For example, general card and gold cards are easier to apply than platinum cards. The general standard card is easier to apply for bit cards, and bank cards and theme cards in bank promotion are better than others. Non-promotional cards are easier to apply.

3, in the bank deposit a regular or purchase bank's financial products. Strive to become a bank's premium customer. A certificate of deposit of more than 50,000 yuan will allow the bank to give a green light to your application card. If you do not have such a large amount of deposits, you can first set up a savings card in this bank, use it for daily capital transactions, and do a few bank liquidities to help the application.

4, skillfully fill inCredit Card Application Form. Marriage, housing conditions. According to the facts, if you are older than 30, the bank will think you are unstable. Fill in the income with great skills, fill in the facts, and avoid making mistakes. Of course, don’t forget to add social security, provident fund, benefits, and year-end bonuses on the basis of taxation. The length of the length of service directly shows the stability of your work, but also can indirectly show the continuity of your income. Unit address: The billing address has two choices of unit address and residential address. Check the unit address. The side shows that you do work in this company.

5, card card. He owns a credit card, which is commonly known as a card. If Shenka is a credit white household, for the first timeApply for a credit card, Will face relatively strict bank review, usually if the Shen card has other banks' credit cards, and the amount is very high, then he will apply for a relatively good credit card approval. Therefore, it is recommended that you apply for the first time to apply for a bank with a lower threshold and apply to a card with a lower level. If you already have a card, you should increase the limit of this card as much as possible, which will help you to apply for a credit card again.

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