In recent years, as the concept of overdraft consumption has become more and more popular, the number of credit card users has also increased year by year. Nowadays, applying for a credit card has become a very simple matter. Whether it is online or offline, as long as your credit qualifications are not too bad and the information filled in is true and valid, you can quickly apply for the card. Although the credit card filling forms of each bank are different, the contents are basically the same. Most of them consist of basic information, professional information, contact information, billing address and other information. So how to fill out the credit card application form to increase the success rate of card application? Let’s discuss it together today!
1. Marital status: Under normal circumstances, married people with children will be rated higher than married people without children, and married people without children will be rated higher than unmarried people. Married people with children score the highest because they are relatively stable. But this also needs to be viewed in light of the actual situation. If the card applicant is over 40 years old and has a low income, having children will be a "drag" in the eyes of the bank.
2. Home address: self-owned residence without loan > self-owned residence with loan > unit apartment, users who own a house must not forget to fill in the address of the property under their personal name and attach the corresponding documentation. Documents will be of great help in improving the success rate and limit of card withdrawal. Renting users can fill in the address of their hometown and then fill in the length of stay as more than one year.
3. Landline: Users who have a landline and can get through must fill in this item, because the bank's "residential phone" setting mainly checks the stability of the applicant, so everyone must not I thought that after filling in my mobile phone number, I wouldn’t need to fill in my home phone number. If you do not have a landline phone number, you can fill in the landline phone number of a relative or friend to complete this item.
4. Personal income: In this regard, there is also a guideline, which is to fill in the position according to age and the income according to the position. When filling in your job position, try to fill in human resources, finance, administration, and back-office jobs. It is best not to fill in sales, as this will be very unstable. The annual salary can be increased appropriately, but not too outrageously. For example, if the annual income is 100,000 but it is written as 200,000, once discovered by the bank, it will be suspected of "loan fraud" and your application will be rejected.
In addition, if the applicant has a car or a house in his name, or has time deposits and bank financing, remember to fill it in truthfully. This is a very advantageous application qualification. In short, when filling out the credit card application form, you need to master the above card application skills. Only in this way can you successfully obtain the credit card you need and enjoy the various benefits and conveniences it brings.