1. Although there is no need for mortgage guarantee, there is a threshold for credit cards, which is affected by many factors, such as the applicant's age, work, marital status, occupation and working years. Everyone should handle it according to their own actual situation. The key is to ensure that they have repayment ability and good credit.

In order to ensure that the applicant has enough repayment ability, the bank will ask him to fill in the work information. People with stable jobs are more likely to be favored, which requires applicants not to be employees in high-risk industries such as salesmen and waiters. When applying for a card, they have worked in the current unit for more than 6 months and have at least 3 months of internship.

3. Different banks have different requirements for applicants. It is best for the applicant to choose a bank that has business dealings with him, such as a bank that pays wages, or a bank that has deposits and bought various valid securities. , more or less can improve the card handling rate. If there are none, it is suggested to start with commercial banks and then consider state-owned banks.

There are many kinds of credit cards launched by the same bank, and their rights and interests are different. In order to avoid getting unused credit cards, when handling credit cards, you should ask about your needs for credit cards, such as whether you plan to use them for daily consumption, online shopping, or business trips. The same credit card may have several levels, so you should make a good choice.

5. When you apply for a credit card, you will check the credit information. It is best to check the credit information first and improve some shortcomings. For example, if the credit is not very good, take some time to improve it, pay off some debts first and then apply for a card to reduce the debt ratio.