Banks have certain access thresholds for credit card applicants. If the applicant has a stable job and income and an additional source of income, it is not difficult to successfully apply for a card. But if the applicant has nothing, that is, people often say, "three have no personnel", it will be more difficult than going to heaven. Is that really the case?
Third, applying for a credit card is painless.
Banks have three basic conditions for credit card holders: stable work, stable income and good credit information. Only by meeting these conditions can banks avoid their own risks and ensure that cardholders can repay in time after spending. The so-called "three noes" in applying for a credit card means that the person applying for a credit card does not have a stable job and income, nor does he have his own personal assets. In this case, if you don't master certain card handling skills, you will often be rejected by the bank.
No credit card application skills
If it is the first time for three employees to apply for a credit card, it is normal for them to be rejected by the bank. Only when they find a job and have a stable income can they apply for a credit card. If you have already applied for a credit card, you can apply with it. The operation is as follows:
1, guarantee good credit.
The premise of using the card is that the cardholder has no bad credit record, so before using the card, the cardholder needs to check the use of the existing credit card in the central bank's credit information system to see if there is any bad record. If the credit record is good, you can consult the bank for specific requirements.
2. Understand the requirements of Chu Bank
Not every bank supports issuing cards by credit card, and different banks have different requirements for issuing cards by credit card, as follows:
Bank of China: You can apply for holding another bank's credit card for more than 3 months;
Ping An Bank: holders of other banks' credit cards for more than 6 months can apply at the counter;
Guangfa Bank: holders of other banks' credit cards for more than 6 months can apply at the counter;
Bank of Communications: holders of other banks' credit cards 1 year or more can apply at the counter;
Shanghai Pudong Development Bank: holders of other banks' credit cards 1 year or more can apply at the counter.
3.3. There is no card to handle the card.
Summary: The third skill in applying for a credit card is to apply for a card with a card. If you don't have a credit card from another bank, you can only apply again after you find a job and have a stable income.
How to handle an unmanned credit card?
Unemployed people generally refer to people who have no house, no car, no deposit or even no job. It is difficult for such people to apply for a credit card, but as long as their credit information is good, they still have the opportunity to apply for a card. No one suggests mastering the following skills when applying for a credit card:
1. Choose a bank with a lot of daily business transactions or choose a commercial bank to avoid the four major state-owned banks;
2. Provide valid bank flow certificate (within half a year) or other financial management certificates, such as stocks, funds, financial products, etc.;
3. The card information must be perfect and accurate, especially the fixed telephone column must be filled in, and the return call can be answered in time;
4, the credit card mailing address is best to choose the company address, no job can find friends to help;
5. It is best to apply for card types and card grades with relaxed review conditions, and don't blindly apply for high-grade credit cards;
6. It is suggested that card application can greatly improve the pass rate of applying for credit card;
7, personal credit must be good, without any bad records, especially not overdue, cash and other acts.
The current traffic pre-trial is 3 seconds. Fill in the information after the pre-trial, and give the grade within 15 minutes. If you send a text message after passing, you will be rejected. We also know the progress of checking the card. The approval results will be released within the other 7 days.
A batch of cards will be issued, and the fastest flow will be within 3 days from application to card collection!
First download a 5 1 credit card housekeeper (any other housekeeper can).
Second, click on the cash cow below, which contains "5 1 card"
3. After selecting a region, here are some express card banks supported by this region.
Remember, choose a good city before you apply for a card, and generally don't operate in different places. Others know which city your message is from.
Remember, choose a good city before you apply for a card, and generally don't operate in different places. Others know which city your message is from.
And receives the verification code. Note here that the verification code must be entered within two minutes, and the mobile phone number cannot be reused!
1 and 5 1 are because banks have new channels that will appear here the first time. This is the place to get information. Except here, banks have to promote the WeChat public platform, so some businesses here are the same as WeChat, so I downloaded 5 1, but the card is not necessarily at 5 1!
2. Why is there a three-second pre-trial? Have you ever thought about the students who refused in seconds? Why should the bank refuse you in three seconds?
3. After the preliminary examination, why not approve the card? Everyone fills in these basic information. Why did someone fake it? How to improve the pass rate?
4. How to apply for a bank that is not opened locally? How can I operate in different places?
5. Everyone else is making money! So, what were you thinking when you saw this? Beware that the mentality of "denying before speaking" will ruin your life! )
Because the bank wants everyone to apply for a card. The more people there are, the more opportunities for screening and the more high-quality customers you get. It is normal for the qualified quota to be high.
How to handle the credit card and improve the pass rate is the correct way.
For those who have no income, they can apply for a credit card if they have a stable income source and no bad credit record. However, it should be noted that it is not easy to apply for a large and high-grade credit card without housing, car and money as application materials.
First of all, let's learn what "three noes" are.
The term "no dependents" as mentioned in these Measures refers to citizens who have been adopted by the civil affairs department and have no source of income, no ability to work and no obligation to support them. In the credit card industry, "three noes" refers to people who have no house, no car and no deposit.
Then, can such "three no-personnel" apply for a credit card?
Card application materials suitable for "three no-employees"-as a three no-employees, it is particularly important to prove their income level to the bank;
1. If you have a fixed job, you can use work certificate, salary card and copy of labor contract as application materials;
2. Freelancers or friends whose wages are paid in cash can transfer a sum of money to a debit card at a fixed time every month, and use the debit card as application materials after half a year;
3. Individual industrial and commercial households can use business licenses and company running water (many banks need running water for more than half a year) as application materials;
Several methods to improve the success rate of card handling;
Let cardholders with good qualifications (high credit card quota and no overdue records) introduce themselves to apply for cards;
Blind pursuit of platinum card is easy to be rejected, and choosing a lower-grade credit card is also an important way to improve the success rate of card handling;
Try to apply for a credit card at a bank with business contacts, such as the bank where the salary card is located;
It is difficult to apply for a credit card. Card baby will help you. Pay attention to the card baby and solve the card problem for you.
This is the end of the introduction about what a credit card is and who handles it. I wonder if you have found the information you need?