No one is 100% sure. The application process is complicated, and each bank has different policies and styles. Some banks will not approve the application without application materials, and some will approve the application with a zero limit or a limit of several hundred, but cannot increase the limit. The chances of getting a credit card based solely on your ID card are very low. Credit cards offer interest-free overdrafts and can provide cash withdrawals for emergencies. Many people want to get one for themselves, but not everyone can get it. Many people have been rejected when applying for a credit card, so they want to find one that is 100% sure to pass the application. credit card. I am here to tell you responsibly that it is not the case.

Credit cards are issued by banks. Each bank has its own admission threshold. Credit card applications will be strictly reviewed. If the qualifications are not met, the card will be rejected. After all, the credit card limit is the bank's money, and you must repay it on time. In order to avoid bad debt rates, banks will only approve cards for people with good credit and the ability to repay. And even if you already have a credit card with the same bank, applying for a second card requires re-examination before the card is approved, so there is no credit card that is 100% mandatory. Of course, if the main cardholder's credit card status is normal, the supplementary card may be issued without review, but the card is linked to the main card account and enjoys the main card's limit, and does not have a separate limit.

The following are some tips and precautions:

Tip 1: Choose a good bank to apply for a card

Credit card applications require strict review. The so-called banks are easy to apply for a card, but relatively speaking, the four major state-owned banks are more difficult to apply for a card than commercial banks. If it is the first time to apply for a card, it is recommended to choose a commercial bank that is easier to apply for a card. For example, Bank of Communications, Shanghai Pudong Development Bank, China Merchants Bank, China Minsheng Bank, Ping An Bank, Industrial Bank, China CITIC Bank, etc.

Tip 2: Choose the right time to apply for a card

Go to the official website before applying for a card Check to see if the bank has any recent activities. If there are activities, the main card types are relatively good. If you meet the conditions, you can apply as much as possible.

Tip 3: Choose the right channel to apply for a credit card

To apply for a credit card, you can apply online or online. Experienced drivers think it is easier to apply online than to apply for a card, but the limit is generally not high. Too big, unless you already have a good credit record and credit card, but online application is relatively simple. You only need to choose a suitable bank, your favorite credit card, and fill in a few simple information. You can know the result as soon as the same day. .

Tip 4: Choose the card type when applying for a credit card

Because the card issuance conditions of each card are different, when applying for a credit card, you must first understand the card requirements What are the conditions for applying for a card? Do you meet the conditions? For example, CITIC Magic Card is only for women to apply for. If you are a man, no matter how good your conditions are, if you are 100% rejected, we usually choose the main card recommended by the bank.

If you are an ordinary white-collar worker and have not been working for a long time, the approval rate for applying for a platinum card will definitely not be high

If you are a woman, choose a female-only card with appropriate benefits and good benefits. Credit card, the pass rate is definitely high

If you are a student, choosing China Merchants Young Card, Bank of Communications Y-power, Pudong Development Youth Card are all good choices

It can be seen that you have made the right choice Card, congratulations, you are only one step away from getting your card home.

Please fill in the online application information

Pay special attention to the following points when filling in the online application information:

The information must be filled in completely and truly match.

Annual income: You can fill in a slightly higher level, which is slightly higher than the same industry in the local city. It is recommended to fill in 80,000-100,000.

Education: fill in the information truthfully if you have a college degree or above, and fill in a college if you have a college degree or below.

Marriage: Married people have higher credit scores than single people.

Working unit: A stable job with social security has a higher credit score.

Position: Do not fill in the business category. You can fill in supervisor, manager, finance, etc., but it must also match your age.