1. Select the appropriate card use time.

Generally speaking, the first half of each year and the end of each year are the best time to apply for a card, because at this time, when handling business, the speed of checking and issuing cards will be very fast and the amount will be relatively large, which is related to the bank's demand for customers at different times and the workload of salesmen. Even if the external conditions for applying for a card are exactly the same, the success rate of applying at different times will vary greatly. From the historical experience, March, April, June, July and August 1 1 and 12 are the easiest to handle credit cards. The same applicant and the same application materials submitted during this period have the highest success rate. The specific time depends on the overall situation of the bank at that time!

2. Become a "quality customer"

You can be a good customer of the bank. The so-called quality customer is not your annual salary or your family's annual income, but whether you have purchased financial products or deposits. Buying this bank's wealth management products or time deposits is the most effective way to handle cards. As long as the time deposit exceeds 50 thousand, the bank will give you a green light to apply for a card. It doesn't matter if you don't have extra money to buy this wealth management product, so go to that bank to get a passbook first! Just brush water a few times at ordinary times.

3. Improve the ability to master certain skills

Some skills of applying for a credit card can be mastered by individuals only by learning, depending on whether you are willing to pay attention to it. As long as you are willing to learn and learn some simple skills, it is easy to apply for a credit card as long as you implement it.