Select 1: face-to-face method.
User experience: "I got a card online seven times, once a month." As long as you persevere, the bank will always approve the card. "
Expert comment: If the cardholder still needs to apply after the credit card application is rejected, one of the ways is to continue to apply. The "application" mentioned here is a continuous application, that is, an uninterrupted application every month. But applicants should pay attention, you need to check the credit information first. If there is no problem with credit reporting, you can use this method.
Scheme 2: Multi-party application method
User experience: "If the online application is unsuccessful, you can apply at the counter. The first time I applied for a platinum card online, I was rejected. Later, I went to the counter to apply and passed it once. "
Expert comment: Many card friends have encountered unsuccessful online applications. The main reason is that online credit cards submit less proof materials, such as work certificates and income certificates. If the salary and credit card are not the same bank, it will also have an impact on the card. Because online applications need to submit all kinds of supporting materials, the more cardholders have information banks, the higher the natural pass rate will be.
Option 3: The second best method
User experience: "When I applied for a card, the salesman asked me if I should change it to a Shenpu card if the gold card was not approved. "I didn't agree, the first application was unsuccessful. When I applied for the second time, I checked this option in the form and approved a universal card, and the amount was not low. "
Expert comment: "The gold card is not approved, and it is agreed to change to the Shenpu card." You can see this option on almost every bank's application form. Friends all think that Kinka is better than Puka. In fact, the service content of the two cards is the same, but the amount is slightly different. If you can't get a gold card, you might as well try to settle for a general card, and just raise the quota in a while.
Option 4: Financial proof method
User experience: "The application was unsuccessful at the beginning. Later, my friend at the bank said that I needed to "move bricks". Sure enough, the card was approved immediately after moving the brick. "
Expert comment: "moving bricks" is actually saving money. People who have deposits in the bank are naturally easier to apply than Xiao Bai. In addition to "moving bricks", it is also a good choice to submit real estate licenses and vehicle exercise certificates. , which can help you successfully approve the card and effectively increase the credit limit.