How to apply for a credit card to pass

1. Online application

It is convenient and fast online. The submitted information is directly sent to the credit card center, which saves the time of submitting information. The bank can apply once it receives the information. Friends who want to pass quickly can choose this method.

2. Prepare sufficient application materials

The more complete information you provide, the faster the bank will approve it.

3. Provide proof of financial resources

When applying for a credit card, the bank’s most important thing is the cardholder’s repayment ability

4. Give priority to those with business relationships Bank

Applying to a bank with which you have business dealings can also shorten the review time.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay;

A quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.

Application

In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can apply to the card-issuing bank. Apply for a credit card. Sometimes, legal persons can also be applicants.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country.

Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank.

After the customer fills in the application form truthfully, he or she must also submit relevant credit certificates while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.

Cancellation

Before canceling a credit card, the account balance must be cleared. The entire process of canceling the card must be completed within 45 days after the application is submitted.

How to apply for a credit card easily?

The first is the most common offline application method, which is to go directly to the bank to fill in the information. You can apply for a credit card at the counter or at a special card application machine. application. The advantage of this application method is that there are bank professionals on site who can tell you how to fill in the card application information at once, and will not be rejected due to problems with filling in some information. However, because the branch has to report the information to the credit card center, and the card center will review your information, the disadvantage is that the review speed will be slower and the card withdrawal time will also be slower.

The second offline card application channel is to find a credit card salesperson to apply for a card. There are often some credit card application activities at stalls outside, or salespeople directly visit the company or store to help apply. Usually when you apply for a card here, the salesperson will give you some gifts for events. The salesperson will also tell you how to apply easily for his own performance, and even tell you some tips to increase the card limit. The disadvantage is that the professional level of the sales staff is not the same, so the service attitude and level will not be the same. This aspect is more dependent on luck.

Online application is to apply for a credit card on the official website of the credit card or on the QR code promoted by bank staff.

The advantage of this is that it is more convenient to apply, and there are many activities and gifts available for online application. The disadvantage is that because there are no staff to ask and provide guidance, it is easier to make mistakes in filling in the information, resulting in the application being rejected.

How can a credit card be passed quickly? Master a few skills

To apply for a credit card, you need to go through three steps: application, review, and card release. Among them, credit card review takes a long time. If you want your credit card to be approved quickly, you can use some techniques to shorten the review time. Let’s take a look.

1. Online application

Online application is convenient and fast. The submitted information is sent directly to the credit card center, which saves the time of submitting information. The bank can apply once it receives the information. Friends who pass quickly can choose this method.

Especially for non-white households, after applying for a credit card from a bank, you can apply for some commercial banks with low thresholds, such as Minsheng Bank and Industrial Bank, etc., and you will get the result in as fast as 5 minutes. However, when applying online, non-first-time cardholders will generally be asked to go for an interview. The credit card can only be activated after the interview is successful.

2. Sufficient preparation of application materials

If you are applying for a card offline, you generally need to provide paper materials, so you need to prepare all the necessary materials. If you prepare If the information is insufficient, the bank will ask you to supplement the information before approval, so the review time may be longer. On the contrary, the more complete information you provide, the faster the bank will approve it.

General information includes a copy of your ID card, proof of employment, and some may ask you to provide bank statements. This depends on the bank.

3. Provide proof of financial resources

When applying for a credit card, the bank’s most important thing is the cardholder’s repayment ability. If you provide real estate, cars, and financial products when applying for a card, Other information shows that the cardholder's financial ability is relatively good. In the absence of large liabilities, the bank does not need to spend a lot of time assessing the cardholder's repayment ability, which will definitely shorten the application time.

4. Give priority to banks with which you have business relationships

Applying to banks with business relationships can also shorten the review time. For example, the bank where the salary card is located, the bank where the mortgage is located, the bank where the time deposit is located, the bank where the debit card generates a lot of turnover, etc., the bank will have a better understanding of the applicant's financial situation, which is also conducive to approving the card.

How to apply for a credit card and get it approved?

1. Apply for a credit card online: If you go quickly, you can check the credit card application progress in 3 days. Under normal circumstances, the time from application submission to card approval is usually 7-15 working days.

2. Application at bank outlets: Apply through the bank's credit card specialist. The time from application submission to card approval is generally 15-30 working days. It usually takes 10 working days from the time the review department receives the application materials to the completion of the credit card review. The bank will produce the card within 2 working days and then send it by registered mail according to the billing address. Generally, the sending time of registered mail is within 15 days.

Extended information

Based on the application information, the bank will examine the applicant's various information and financial situation to determine whether to issue a credit card to the applicant. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand.

The standards of each card issuing bank are also different. Therefore, the same material may be issued with different credit limits in different banks, different types of credit cards, and some banks may even approve it, but Some banks may refuse to issue it.