There are five steps to apply for a card. The first step is to adjust the detailed credit report, the second step is to package, the third step is to choose the card type and bank, and the fourth step is to fill out the form and return visit. , the last step is to analyze the reasons why the card application failed.

1. Check the detailed version of the credit report first

1. Customers with credit cards

The credit check is for people who already have a credit card. If you already have a credit card or If you have applied for a loan, then your detailed credit report must have basic information such as employment. You should check it out first and then carry out the second step of packaging based on the detailed credit report. This is a professional approach. Why do many people ask for a loan? The credit is good, but the card application was rejected immediately. Maybe it’s because of this. For example, the last company that applied for the card on your credit report was A, and the interval was less than 6 months. When you packaged it, you used company B, and the working hours were written on it. If the application period is 2 years, then from the bank's perspective, firstly, it is illogical, and secondly, your job stability is very poor, so the risk is also very high, and it is normal to be rejected.

2. Pure white household

If it is a pure white household, you can skip this step and just package it directly, but remember one thing, from the time you apply for the card, you can You must have the mentality of supporting an employer. What is supporting an employer? It starts from the first card you apply for. Whether you apply for a card or an online loan later, try to use this employer as much as possible. The success rate is very high. In short, the principle to be adhered to is: do not change companies frequently, and do not let the bank think that you are a very frivolous person.

3. What should I look for in a personal credit report?

1) Look at the number of inquiries; 2) Look at the debt ratio; 3) Look at whether there is any overdue payment; 4) Look at the recent application for a credit card or online loan unit and other details.

The number of credit inquiries is the first thing to look at. Just like the first impression you make during an interview, whether you can advance to the next step depends on this. If your credit report has a lot of inquiries, or is very bad, then don’t rush to apply. Keep your credit report for a month first, and then apply next month.

However, there are exceptions, that is, your strength is really good, such as provident fund, RV, savings, financial management, etc., that is, there are several of the eight major financial strength certificates. In this kind of situation, no matter how many times you query, , you can still try, but having said that, since you have such strong financial resources, why should you apply for a card or get a loan online?

Therefore, the techniques or rules we talk about are all aimed at ordinary customers. Some people have three or four nos, and they are basically people with average qualifications who are short of money. Since they are short of money and need to borrow from the bank, they still need to understand the most basic things.

Conservatively speaking, the number of credit inquiries should not be higher than three times a month. If it is higher than three times, then go to improve your credit, stay put, wait for a month, and then wait for the next month. Apply again.

I won’t talk about the debt ratio here. This is related to the increase in the credit card limit. If you want to increase the limit on your card, you must pay attention to this. It's overdue, so I won't say much about it, everyone knows it.

The last point is the detailed credit report unit information. This is for people who already have credit cards. Look at the most recent credit report unit information for card application. It is best to operate on this basis. This is a professional approach, rather than randomly selecting a card type. Just fill in the form and you can place the card.

2. System Packaging

Regarding packaging, you only need to grasp two points for packaging, one is the landline, and the other is the unit. Here we will talk about some tips for applying for a card.

1. Choose the right time to apply for a card

Generally speaking, the first half of each year and the end of the year are the best times to apply for a card, because it is the time to do business. If so, the verification and card issuance will be fast, and the credit limit will be relatively large. This is closely related to the bank's demand for customers at different times and the amount of tasks completed by the salesperson.

Even if the external conditions for applying for a card are exactly the same, if you apply at different times, the success rate of your application will be very different. According to historical experience, the easiest times of the year to get a card are March, April, June, July, August and when the Chinese New Year is approaching. If the same applicant and the same application materials are submitted during this period, the success rate of application will be the highest.

2. Improve professional abilities

There are actually two aspects to applying for a card, one is personal qualifications, and the other is your professionalism. Personal qualifications are hard indicators, or you can raise them yourself, but applying Some card skills can be obtained through learning. It depends on whether you are willing to put in the effort. As long as you are willing to learn and implement some simple skills, it is still very easy to apply for a credit card.

3. Choose the appropriate card application channel

Choosing the appropriate card application channel can make it easier to get approved for a credit card. For novice users who do not have very high credit limit requirements, applying for a credit card online, through WeChat, or through third-party channels will help to get approved for a credit card; for users who already have several credit cards, it is easier to apply for a large-value card at the counter.

High-limit credit cards require cardholders to provide strong asset certification information, which can be done at the counter. On the contrary, online application does not support the provision of various certification materials. Cardholders with low credit limit requirements can try it. .

4. Qualifications generally only need to be cultivated

You can become a high-quality customer of the bank. The so-called high-quality customer does not require your annual salary or property, but whether you have Purchase financial products or time deposits. Purchasing the bank's financial products or time deposits are the most effective ways to apply for the card. As long as the time deposit certificate exceeds 50,000, the bank will give you the green light to apply for a card. It doesn't matter if you don't have extra money to buy financial products, so first Apply for a savings card at this bank! It will help to make more transactions at ordinary times. We have special methods and techniques for this.

5. The details of card application are crucial

As the saying goes, details determine success or failure, so don’t ignore the details in the application form! First, call back the landline in time. The so-called landline is You can find your phone number directly. The fixed phone number can reflect the stability of the applicant's life. If there is no phone at home, we can fill in the phone numbers of relatives and friends, as long as the bank can find you.

The shipping address after placing the card is also very important. We can choose to mail it to the company, because if it is mailed to the company, the bank will feel that you are working stably in this company, which will greatly increase its trust in you. .

3. Card type and bank selection

1. Pure white account

For pure white accounts, choose the appropriate card application sequence. It is best to apply for a Bank of Communications credit card. If approved, the limit is low, which is very important for white households; China Merchants, Everbright, and Guangfa credit cards are easy to be approved and the limit is raised quickly. At this time, Bank of Communications will freeze it, no matter how big the limit is. If you have a higher academic level, transportation is your first choice. If you have an average academic level, you can choose Everbright, Guangfa or CITIC.

When the investment increased to 40,000, I applied for Ping An and CITIC, mainly because they mostly referred to the existing card limits, and the limit increase was particularly slow and long. If you do not apply for investment promotion but apply to Shanghai Pudong Development Bank first, your total credit will grow very slowly. Next, apply for a Shanghai Pudong Development Bank credit card, refer to the maximum limit of the existing card, and don’t care about debt, but focus more on the usage rate of the existing card.

The last step is to apply for a credit card from the four major banks. Because the four major banks have many outlets and stable policies, they can also tolerate all kinds of wool. Unlike small banks, the policies change quickly. If they say they limit the use, they will limit it. If the quota is sufficient, the quota will be reduced. If it is not temporary, it will not be temporary. When the quota is enough, the previous small bank will be canceled.

2. Customers with credit cards

For those who already have credit cards, the application strategy is different from that of pure white households. First, check the credit report and package according to the credit report. Another thing to look at is the debt ratio. If you have too many cards, then the first step should be to cancel the cards, with small credit limits, and banks with slow credit limits. This requires you to understand the rules of 14 lines, which one You know which bank will raise your limit quickly, and which one will raise your limit slowly? Some people have several cards in one bank, and the limits are all exclusive, so just cancel one of them, and don’t have too many cards. . Then just follow the normal application process.

In short, the general idea is to choose a commercial bank first, then the four major banks. Choose a commercial bank to apply for a card. You should also choose the card type that suits you. Choose a hot card from the official website, or a co-branded one. Any card will do. The so-called express cards from outside intermediaries are ultimately links to co-branded cards.

4. Filling in the form and return visit

1. Filling in the form

Filling in the form is divided into four sections: 1) personal information; 2) residential information ;3) Work information; 4) Contact person. Among them, the personal information is cardboard and cannot be optimized. The other three pieces of information can be appropriately optimized, so how to optimize it is more critical. The specific form-filling technology will be written in Qingqing later.

2. Return visit

When it comes to return visits, one thing is important, that is, the information filled in on the form must be consistent with the answers on the phone, and the last step during the return visit must be Pay attention to it. Some people may not pay much attention to the return visit. If the return visit fails, all your previous preparations will be in vain. .

5. Analysis of reasons for failure

This is the last step and also a very important link. If the card application fails, you must first analyze the reasons so that you can apply later. Don’t make the same mistake anymore. Some people fail to apply for a card and don’t care about anything. If they use the same wrong method when applying for a second time, they will only get the same result and end in failure!

The correct order for applying for a card is to apply for one first and see if it is successful. If it is successful, it means that the information you packaged is correct. You can use the same information to apply for the second one. If it fails, you must analyze and summarize it. For what reason, the success rate of applying to the second company is higher.