Events like this usually happen, and they don't always wait until the end of the year. Having said that, we can still analyze some rules through the data of previous years, and apply for a credit card at the right time, which will often lead to a higher hearing rate, and the credit limit after the card is issued will also give you a little surprise
The first stage: March to May
In January of the beginning of the year, banks are generally busy summarizing various data and publicizing various activities. At the same time, we will also set the indicators and targets for the card issuing task in the new year.
Generally, there will be excessive annual leave in the middle of February, and it will be around March. During this period, the bank audit will generally be relatively loose. After all, the workload has been decided, or it will be a sprint. This situation will basically last until the second half of the year, that is, before June, during which many credit card handlers will sweep the streets. Large-scale activities such as office buildings
The phased tasks will basically be completed in this time period, and even some banks will complete half of the annual tasks, so the audit policy will be tightened in the later period, reducing the risks of overdue credit cards and overdrafts, and those with less qualifications may be directly rejected
The second stage: October-December
Before the end of the year, most of the bank tasks have been completed. However, there will still be a big discrepancy between the card issuance volume of some banks and the target set at the beginning of the year, so they will make another wave of performance at the end of the year, and often attract customers to apply for cards through various special card names and card shapes mentioned above
1-12 months
After the first half year, most of the bank's tasks may have been completed at this time, but some of them are still far from the target, so they need to make performance at the end of the year. For example, at this time, At this time, the application is also relatively easy to pass. At this time, it is often a very real news to pay attention to the new card of a single bank. Please leave a message to tell me if you have applied for a card recently. I recommend two for you.
Therefore, the amount of credit cards applied for during these two periods is still relatively large, and the amount will be higher than usual. However, when you fill in the application materials, you must show off your wealth, fixed assets, cars, and deposits on a regular basis are also the keys to help you increase the credit card amount.
Pay attention to raising the card when using the credit card after you get off the card. If it is overdue, don't be overdue, even if you are short of funds and can't repay the bill in full before the repayment date. You can also choose to use the repayment software platform such as Didi Coin Europe to solve the bill. WeChat official account-Didi Coin Europe can be directly used, and the remaining limit of several hundred yuan in the user card can be used for recycling consumption repayment, inciting tens of thousands or even hundreds of thousands of bills. The consumption pattern of real merchants is also in line with the bank's multi-industry and multi-merchant withdrawal standards. Solve the problem of raising a card while solving the bill
Although there is no clear explanation about the relationship between the application time of a credit card and the intensity of examination, you can refer to these card-handling skills to give a reference to friends who want to apply for a credit card with poor credit information. If you are qualified, you can even apply for a high-end credit card with high threshold, and the bank is still more welcome to high-quality customers.