How to fill in the credit card application materials

Many friends want to apply for a credit card to cope with the expenses of going home to visit relatives, wedding gifts, dinners and entertainment, so what should they pay attention to when applying for a credit card for the first time? How can I get a credit card quickly?

the credit card salesman will submit you a card application, and the following contents need to be filled in carefully. Online application also needs to fill in relevant information.

1. Basic information

1. Marital status

Married and childless, married and childless. Just fill it in according to the facts. If you are over 3 and unmarried, the bank will think you are unstable. It is recommended to prepare more assets documents (house/car/bank deposit) when applying for the card.

2. Home Phone

"Home Phone" should be emphasized. Many applicants think that it is not necessary to fill in the home phone number. In fact, the bank's "residential telephone" mainly examines the stability of the applicant. So, don't ignore this item.

3. Residential address

Whether you own or rent a house, you must fill in the residential address. Just like the residential telephone, the bank is setting this item to check your stability.

4. Residential conditions

Self-owned houses have no loans. Self-owned houses have loan units to rent apartments. If you don't buy a house, you might as well write your address in your hometown.

the length of residence is also a reference item, which is generally stable for more than one year, and the longer the better.

2. Occupation information

1. Address of work

Whether you have a work address can reflect whether you are working or not, so don't leave it when filling out the application form.

2. Company Phone

Forgetting to fill in the company phone number is the reason why many people fail to apply for a card. When the bank calls back, it will call the company to check the stability of your work.

3. Income

There is great skill in filling in income. Fill it in truthfully and don't make it up. Of course, don't forget to add social security, provident fund, welfare and year-end bonus on the basis of after tax.

4. Length of service

The length of service directly shows the stability of your work, and also indirectly shows the continuity of your income. Some card friends are very honest, and directly fill in the post for 1/11 months according to the actual situation. Here, you may wish to fill in an estimated number, more than one year.

III. Contact information

1. Contacts

Contacts are divided into immediate family members and other contacts, family members with stable addresses, friends with stable jobs and high incomes, etc. In a word, it is the most tactful way to fill in the stable groups that banks can rest assured of. It is not recommended to fill in friends and relatives who have no fixed job or unstable income/address.

IV. Address of statement

1. Address of company

There are two options for the address of statement: address of company and address of residence. Tick the address of company to show that you really work in this company.

Fill in the credit card information in Daquan Dry Goods (Phase I)

1. Knowledge of card handling business (eight elements for white households to handle cards)

1. The work unit should be detailed. If there is no work unit, find local friends who work in the company, hang in their company, have a landline, work place and other online applications, and basically do not call.

2. To apply for a credit card, you should apply for industry and commerce, Ping An, CITIC and Transportation in turn. It must be basically wrapped by Puka.

3. The annual salary is not less than 8, yuan.

4. College education shall not be lower than that of junior college.

5. The real estate must be owned by itself without mortgage.

6. You must be married.

7. The mail must be received by the company, and the courier will call you.

8. The name of the enterprise must be detailed, and the landline is stable

2. White households apply for credit cards:

1. Prepare all the details first, choose three banks, and apply within one hour.

2. Don't take more than an hour. It's the first time a credit card is loaded, and it is directly reviewed by a robot.

in 3 or 1 hour, your credit card application information, that is, big data, will be uploaded to the credit card information center. 4. In this way, if the first credit card is rejected, the second credit card may also be rejected. But if you apply for three at the same time, one or two will issue cards to you. If you are qualified, all three will issue cards to you.

There are also card options. White households apply for a credit card, no matter which bank they apply for, they all choose a general card (apply for a gold card for the first time, unless you are a civil servant)

III. Banker's summary

1. official website, the bank of communications, Shanghai Pudong Development Bank, can check the progress directly (it takes 2 minutes to check the second batch of Pudong Development Bank).

2. Ping An Bank will check the card within 5-7 working days (it will take 2-5 hours for the second batch).

3. Synchronization progress in official website after 3 working days for Minsheng Nuclear Card

4. Synchronization progress in official website after 7 to 12 days for Guangfa Nuclear Card (check every second for the owner of Guangfa Card)

5. Some Huaxia Nuclear Cards are synchronized in official website, and some need to wait for 1-2 days.

6. Bank of China will synchronize the progress in official website within half a working day, and negotiate with Shanghai, Guangzhou and official website to synchronize.

7. Industry and commerce are the slowest, and it takes about one month to get off the card on average. There are also qualified people who will get off the card in a few days.

8. China Merchants Everbright CITIC. Need to pass the second trial, official website synchronization progress.

IV. The method with the highest rate of getting a card. Key points

① Fill in the ID card truthfully

② Fill in the marriage for more than 25 years

③ Education level: fill in the junior college 85 before 85, and then fill in the technical secondary school

④ Contact person: ① Fill in the married spouse above

Leave the married family member blank

⑤ Fill in the second contact person: colleague, Proof unit

provider: at most two people

⑦ There are two kinds of card types

1 UnionPay 2visa should choose the card type of UnionPay

⑧ Fill in the annual income of 6, to 12,, and the minimum must not be less than 6,

⑨ Card receiving address: Be sure to write and mail it to the unit

/ If it is not your own unit, Tell the courier his current address

⑩ Home address: Don't write 7-3-52-be accurate to Room 52, Unit 3, Building 7

● Don't change your company within six months. If you have a credit card before, change your company within six months. Handling method: Call the bank that applied for a credit card before to update your current company. (Don't pay attention if you don't have a credit card) Don't apply for a credit card directly according to the new information just after you change the information, wait until the bill of the last credit card appears in the first issue

● No unit: ① Call the bank clerk in the largest local factory (check the specific address and telephone number online) to visit the name, and the person who answers the phone in the factory doesn't know whether you are from this factory or not, and there are too many people in the factory

● Or find a business license and telephone number of a friend's house. Tell friends to help answer the phone

●, people who are difficult to apply

1 black household

2 overdue

3 online loans

5 white households

●, people who are good at getting off the card

have RVs, insurance policies, credit cards from other banks that have been used for more than 6 months, have college education or above, and are high-quality unit workers.

5. Push method. First, ask the customer a few questions before you apply for a card.

1. Is there any online loan? Gitzo's installment or mobile phone installment (there is no hope for online banking)

2. Whether you have a house or a car under your name (if you have a car, you can apply for a Ping An or Guangfa owner card)

3. Alipay Sesame Branch (if you are over 65, you can apply for a Ping An card)

4. If you have a policy or are not an enterprise legal person (if you have a policy or a legal person), you can also apply for a Ping An card directly

5. If you are under 22 or over 6 Low card passing rate is a waste of time

6. Have you used other banks' credit cards for more than one year (paving the way for Bank of Communications to apply for a card)

7. Which bank has a savings card, which one to run, and improve the pass rate

6. Reasons for refusing to apply for a credit card:

1. Customers are insurance (transportation), beauty salon (transportation, industrial development) and wealth management (industrial development)

3. The customer has

4. The customer information is incomplete.

5. the customer's credit inquiry has been made four times in two months.

6. The customer's previous credit card was overdue.

7. The total amount of credit cards in the customer's name is more than 2,, and the credit card has been swiped by more than 6%.

8. The customer is a poor-quality white household (no house or car).

9. More than 7% of the credit card in the customer's name has been swiped.

1. The customer is under the age of 21.

11. The applicant is over 55 years old

12. Change the work unit and mobile phone number within one year

13. Self-employed or income sources are stable

14. Directly apply for a high-level credit card

15. The applicant has a bad record

The dry goods information of this period is compiled and edited by Cardmaster, and more partners are expected to participate in sharing practical experience.

Pay attention to "Cardmaster" and share more dry goods with you.

how to fill in the credit card application form?

Home Address

Applicants who have already bought a house can directly fill in the real estate address in their own name and attach a copy of the real estate license when submitting the information. If there is no personal housing, for example, the applicant who rents a house can fill in the home address of his hometown, and staying for a long time will make the bank think that the applicant's address is very stable. Like the Beipiao people, if there are local friends with excellent relationships, if friends allow, they can fill in their addresses, and the check-in time can be the time of Beipiao, which can also show the living stability of Shenka people.

Marital status

Married or unmarried, generally speaking, it is enough to fill in according to the facts. But for the 28-year-old and 29-year-old young people, it is still necessary to consider when applying for a card. If you fill in unmarried, the bank will consider that the applicant's situation may not be very stable.

home phone

fill in according to the home address, preferably a fixed phone. Ensure that parents or friends' parents (who need to say hello in advance) can receive it. Old people can always give people a more practical feeling, which banks like very much.

The failure to fill in this item on the company's fixed telephone

is the culprit that causes many card applicants to fail to apply for a card. When the bank pays a return visit, it often chooses to call this number to confirm the job stability of the applicant, which is directly related to the income source of the applicant.

annual salary

is directly related to the repayment ability. Many applicants fill in the annual salary when applying for a card, which is either too high or too low. In fact, the annual salary is directly related to the applicant's income certificate, which should be filled in according to the actual situation. However, if the company can issue an income certificate, it can also be raised appropriately, which can make the bank feel more at ease. Fill in the annual salary and avoid making it up. First, the bank will have a relative reference value through social security, industry and position information; Secondly, once the bank finds that the applicant is suspected of forging information, the application for the card will basically not succeed.

Contacts

Contacts can choose to fill in: family members with stable addresses, friends with stable jobs and high incomes, colleagues in the same company, etc. In short, they are stable groups that can make banks feel more at ease. It is not recommended to fill in friends who have no fixed job or unstable income/address.

Other banks' credit cards

In prime bank, only five banks, namely China Bank, Bank of Communications, China Guangfa Bank, Ping An Bank and Shanghai Pudong Development Bank, support card processing. When applying for the cards of these banks, card applicants can use other banks' credit cards that have been used for at least three months (different banks, for example, according to the regulations of Shanghai Pudong Development Bank, if they hold other banks' credit cards for more than one year, they can apply at the counter).

This is the end of the introduction about how to fill in the information for applying for a credit card and what information you need to fill in for applying for a credit card. Did you find the information you need?