Matters needing attention in applying for a credit card:
1. The credit card limit is approved by the full-time department of the bank and will be graded according to the overall situation of the applicant. The scoring criteria include many aspects: the applicant's bank credit record, the nature of the work unit, age, marital status, position, income, real estate, cars and other assets. If you can prepare the following materials when you apply for a credit card, it will definitely improve the efficiency of card handling and increase the credit line for credit card approval: copy of driving license, copy of real estate license, large deposit certificate, stock fund, certificate of valuable assets, copy of other bank credit cards, etc.
2. The office telephone number left when filling out the application form must be a valid fixed telephone number. If someone answers, the bank will simply ask questions when it returns, such as does this person exist in the company and what position? The application form must be filled in and signed by me truthfully. The bank will ask questions about several items in the application form, such as home address, whether I apply and sign it.
3. After the bank pays a return visit, the credit card will enter the business card printing process. During this period, you can call the customer service phone of the bank to inquire about the progress and quota of card processing, and the credit card will be sent to your home or work address by registered mail. When you receive a card, you need to call the bank to activate it (the activation steps are explained in detail in the letter). Except for a few credit cards, most credit cards have an annual fee, which is generally waived if you swipe your card six times on average.
It is free to apply for a bank credit card, but the more credit cards you apply for, the better. Too many cards will affect new cards and credit lines. It is recommended that the number of applications should not exceed 3.