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5 tips for applying for a credit card

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

1. Choose the right bankCredit card. Choose the right bank and apply for a credit card that has actual needs and is suitable for you. Due to the different characteristics of each bank, 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. Generally speaking, commercial banks' credit cards are easier to apply than state-owned banks. This is because banks compete with each other. Commercial banks are still in the stage of laying the market. They are more willing to issue credit cards to applicants with good conditions; and commercial banks' credit cards. There are a lot of promotional activities, such as the card, and so on, to encourage qualified people to apply. It is recommended to apply for credit cards from banks such as Bank of Communications, CITIC, Guangfa, China Merchants Bank, Industrial Bank, Everbright, Pudong, and Citi.

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

3. Deposit a regular wealth management product in the bank or purchase a bank. Strive to be a quality customer of the bank. A deposit certificate of more than 50,000 yuan will give the bank a green light on your application card. If you don't have so many deposits, you can first set up a savings card at this bank. You can use it for daily capital exchanges. It is also helpful to do a few bank flows for Shenka.

4, fill out the skillsCredit card application form. Marriage, housing status. According to the actual fill, if the age is over 30, the bank will think that you are unstable. Fill in the income with great skill, fill it out truthfully, and avoid making it. Of course, don't forget to add social security, provident fund, benefits, and year-end awards on a post-tax basis. The length of your work directly shows the stability of your work and can also indirectly show the sustainability of your income. Unit address: The billing address has two choices of unit address and residential address. Check the unit address. The side indicates that you are actually working at this company.

5, card to do card. Have his credit card, which is commonly known as the card card. If the applicant is a credit card, for the first timeApply for a credit cardIt will face a relatively strict review by the bank. Usually, if the cardholder already has a credit card of another bank and the amount is high, then he will be relatively better when he applies for the credit card. Therefore, it is recommended that you first apply for a card with a lower threshold and a lower level card. If you have a card, try to increase the amount of this card, which will help you apply for a credit card again.

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