first, most of them are deceptive. Credit cards are usually handled in business halls or mobile banking, and then we can see which bank it belongs to or whether we should choose a regular bank. Now, microfinance can also handle the so-called credit card business for users, but it is also a disguised form of microfinance, so we should choose it carefully.

second, most of the so-called card invitation messages you receive are actually sent in groups, not official bank invitations. The purpose is to get the bank's invitation to apply for a card through invitation. "Dear XXX (your name), based on your good credit record in our bank. We sincerely invite you to apply for our credit card. If you can successfully apply for the card at a certain time and check how much the card has spent, how much the reward is, or if you can enjoy the rights and interests of a certain person, "the official will generally not promise the credit card quota! Of course, the fake card-handling SMS template is becoming more and more novel, and it is certainly not limited to the SMS format I mentioned above. Real bank invitation messages are generally customer service phone numbers such as 95588 95566, and some are marketing numbers that start with 16 and end with our customer service phone number. Generally, 11 digits are not too long, while fake fraud numbers are very long, usually 18-2 digits.

Third, if you need to apply for a credit card, you'd better go to a bank in official website or a third-party cooperative institution. This ensures information security. In particular, the bank cooperation institution has signed an agreement with the bank, and the bank that applies for the card recommended by the institution will give priority to the examination and approval, and the probability of issuing the card is higher. In addition to the above-mentioned card handling methods, there are more traditional card handling channels, such as:

1 Bank outlets

The most traditional card handling method has the advantage that it can provide detailed information, which is beneficial to the bank's approval, and at the same time, it is considered to be beneficial to the line.

2 shopping mall and supermarket flow point

When you go to a shopping mall and supermarket, you will often see a mobile card booth run by a bank. One of its biggest advantages is that you can get gifts directly. In the past, you can get it by handling it, but now the review is getting stricter and stricter, and it is often obtained through review or on-site card opening.

3. Appointment processing

Similar to outlet processing, the only difference is that you don't have to go to the bank, but you need to make an appointment in advance, and the waiting period for card processing is longer. Need to make an appointment in advance. After receiving the card, the phone or network can be activated.