1, you can provide additional financial proof. The best way to apply is to choose outlets to enter, otherwise you can choose to apply online;
2. It is best to apply for a credit card with an ordinary card or a gold card, otherwise it will be easily rejected;
3. The credit card issuance rate of commercial banks is higher than that of the four major state-owned banks;
4. Fill in the credit card application form, which must be perfect and accurate, especially the fixed telephone;
5. It is better to mail the credit card to the work unit than to the home;
6. Pay attention to answering the bank's credit return call, and don't miss it.
Extended data:
General credit card application conditions are as follows:
1. Any natural person who has reached the age of 18 and is not over 60-70 years old (the age requirement of banks and card types is not easy), has full capacity for civil conduct, has a stable and legal income source, and has a good reputation can apply to the card issuer for a personal credit card master card with his valid ID card and other documents required by the card issuer.
2. Personal card holders can apply for supplementary cards for other qualified natural persons.
The cardholder of the main card shall take full responsibility for the debts incurred under the main card and the supplementary card. Supplementary card holders shall be jointly and severally liable for the debts incurred under the main card and supplementary card.
3. Enterprises, administrative institutions, social organizations, military units and economic organizations authorized by legal persons in People's Republic of China (PRC) can apply for credit card units with the basic deposit account account opening registration certificate approved by the People's Bank of China.
The qualification of the cardholder of the unit card shall be designated and revoked in writing by the legal representative of the unit or its entrusted agent. Each unit can apply for multiple unit cards.
Generally speaking, the information that an individual needs to apply for a credit card is:
1. Identity certificate: generally, it is an ID card (two copies are required), and soldiers need to provide a copy of their military ID card;
2. Work certificate: it can be the original work certificate issued by the employer (indicating the specific company name, department, position and income, and stamped with the company's official seal or personnel seal), or a copy of the work permit/license;
3. Proof of financial resources: it can be a bank's salary flow, or an income tax withholding certificate, or a document that proves the market value of the house, car, deposit and investment (such as a copy of the real estate license/car driving license/bank time deposit certificate) and other materials that can prove the financial level.
Processing channels are:
1. Log in to official website, the bank that wants to apply for a card, select the credit card center interface, select the credit card that you want to apply for, fill in the application materials and submit it.
Note: General banks in official website have detailed information about credit card application, repayment, services, articles of association, agreements, functions, etc. It is recommended to read it carefully before applying for a credit card.
2. Bring the application materials and apply for a credit card at the counter of the local bank outlet.