how to package the credit card (debit card) application?

Applying for the packaging of credit cards (debit cards) does not mean resorting to the intermediary to practise fraud, but mastering some tips for applying for credit cards (debit cards):

1. Adding various benefits and bonuses before paying wages;

2. The fixed telephone must be left on the landline, and someone answers it, so there is no need to find a way;

3. Leave the company address for the mailing address of the credit card (debit card);

4. Choose the credit card (debit card) card type and card grade that suits you;

5. It is best to apply in the first half of the year or at the end of the year, and the card approval rate is higher;

6. Choose an appropriate way to apply for the card. If there is no financial proof, online application is preferred.

Genuine packaging of credit cards (debit cards) is helpful to the approval of credit cards (debit cards) and improve the pass rate. However, if the card is packaged by an intermediary, the application for credit cards (debit cards) will be easily rejected, even if the credit cards (debit cards) applied for are likely to be fake, and personal identity information will be leaked, leading to being cheated into applying for card fees.

How to package a credit card There are several tips to share with you

1. There are no difficult credit cards, only people who can't package them. Many people who want to apply for a credit card usually encounter such a situation: the application for a credit card has been repeatedly rejected until they finally lose confidence! Even if the quota is finally approved, it is pitifully low. Why?

2. In fact, we all know that each bank will have its own scoring system for credit card review. We will comprehensively examine the applicant's work income, personal data, assets, liabilities, credit information, social security accumulation fund, etc., and decide whether to grant you a card and how much to give according to the comprehensive score of users.

3. Many people actually don't know much about credit cards and loans. Even with good qualifications, they only have a quota of 58, yuan. Not to mention that it is more difficult for people with average qualifications and financial resources to make a high quota. Therefore, the operation technology is crucial. Consult and choose the online loan that suits you, and don't spend credit information or big data, which will affect the future bank credit card business.

apply for a large credit card online? You have to learn to pack first!

There are five steps to apply for a card. The first step is to make a detailed version of the credit report, the second step is to pack it, the third step is to choose the card type and bank, the fourth step is to fill out the form and pay a return visit, and the last step is to analyze the reasons for the failure of applying for a card.

1. Check the detailed credit report first

1. Customers with credit cards

Check the credit report for groups that already have credit cards. If you already have credit cards or have operated loans, then your detailed credit report must have basic information such as work. You should read it first, and then pack it in the second step on the basis of the detailed credit report. This is the professional method. Many people have good credit reports, but their application for credit cards is rejected every second, perhaps because. For example, the last unit you applied for a card in your credit report is A, and the interval is less than 6 months. You used B when you packed it, and the working time you wrote was 2 years. In the bank's view, it is illogical. Second, your job stability is very poor, so the risk is great, and it is normal to be rejected.

2. Pure white household

If it is a pure white household, this step can be skipped directly and packaged directly, but remember one thing, pure white must have the mentality of raising a unit from the time of applying for a card. What is a raising unit? It starts with the first card you apply for, and then you try to use this unit for both card application and online loan. The success rate is very high. In short, the principle to control is not to change units frequently, and don't let the bank think that you are a very frivolous person.

3. What should I look for in personal credit investigation?

1) Look at the number of queries; 2) Look at the debt ratio; 3) See if there is any overdue; 4) Look at the units that recently applied for cards or online loans and other detailed information.

the number of credit inquiries, this is the first thing to look at, just like the first impression you give in the interview, whether you can enter the next link depends on this. If you have a lot of inquiries about credit information, or it's bad, then don't apply in a hurry. Keep your credit information for one month first and then operate it next month.

However, there are exceptions, that is, your strength is really good, such as provident fund, RV, deposit, financial management, etc., that is, there are several items in the eight financial resources. Even if you make more inquiries, you can still try this kind of situation, but then again, since you have such strong financial resources, what card and online loan are you still applying for?

Therefore, the technologies or rules we are talking about are all aimed at ordinary customers, some of them are three noes or four noes, and they are basically people with average qualifications, all of whom are short of money. Since they are short of money and need to borrow from banks, the most basic thing is to understand.

conservatively speaking, the number of inquiries for credit information can't be higher than three times a month. If it is higher than three times, then you should keep the credit information, wait for one month, and then apply for it next month.

I won't talk about the debt ratio here. This is related to the withdrawal amount of your card. If you want to withdraw your card, you must pay attention to this. There are still overdue, and we don't talk much. Everyone knows that.

the last point is to make a detailed version of the company information of credit investigation. For people who already have credit cards, it is best to operate on this basis by looking at the information of the company that applied for your credit investigation recently. This is a professional technique, instead of randomly selecting a card type and filling out the form casually.

second, the system packaging

regarding the packaging, you can grasp two points, one is the fixed line, and the other is the unit. Here we talk about some skills of 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 each year are the best time to apply for a card, because at this time, if you do business, the verification and card issuance will be very fast, and the amount will be relatively large, which is closely related to the bank's demand for customers in different periods and the amount of tasks completed by salesmen.

even if the external conditions of applying for a card are exactly the same, the success rate of applying at different times is quite different. According to historical experience, the easiest time to get off the card in a year is March, April, June, July, August and the coming Chinese New Year. The same applicant and the same application materials are submitted during this period, and the success rate of card issuance is the greatest.

2. Improving professional ability

There are actually two aspects in applying for a card, one is personal qualification, and the other is your professionalism. Personal qualification is a hard indicator, or you can raise it yourself, but some skills of applying for a card can be obtained by learning, which depends on whether you are willing to spend your time. As long as you are willing to learn and learn some simple skills, it is easy to apply for a credit card.

3. Choose the right channel for card processing

Choosing the right channel for card processing can make it easier for credit cards to be approved. For small white users with low quota requirements, online credit card application, WeChat credit card application and third-party channel credit card application are helpful for credit card approval; For users who have several credit cards, it is easier to get a large card by applying for a card at the counter.

High-value credit cards require cardholders to provide strong asset certification materials, which can be achieved by applying for a card at the counter; On the contrary, online application does not support providing all kinds of proof materials, and card friends who do not require high quota can try it.

4. Generally, you can become a high-quality customer of the bank by raising one qualification. The so-called high-quality customer does not require your annual salary and property, but depends on whether you have purchased wealth management products or fixed deposits. Buying the bank's wealth management products or time deposit is the most effective way to get a card. As long as the time deposit certificate exceeds 5,, 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 wealth management products. Then apply for a savings card at the bank first! It is helpful to brush more running water at ordinary times. We have special methods and skills about this piece.

5. The details of applying for the card are very important

As the saying goes, the details determine success or failure, so don't ignore the details in the application form! First of all, pay a return visit to the fixed line in time. The so-called fixed line means that you can find your phone directly, which can reflect the applicant's life stability. 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 mailing address after getting off the card is also very important. We can choose to mail it to the company, because if you mail it to the company, the bank will feel that you are stable in this company and will greatly improve your trust.

Third, card type and bank selection

1. Pure white households

For pure white, choose the appropriate card application sequence, and the Bank of Communications credit card is best approved, and the amount is low, which is very important for white households; China Merchants, China Everbright and Guangfa credit cards are easy to be approved and the amount is raised quickly. At this time, Bank of Communications is frozen, no matter how much it is. If you have a higher education, you should choose transportation first, and if you have a higher education, you should generally choose Everbright, Guangfa or CITIC.

when the investment is increased to 4,, the main reason for applying for Ping An and CITIC is that they refer to the existing credit card limit and the amount of withdrawal is particularly slow. If you don't apply for investment promotion, apply for Pudong Development, and your total credit growth will be very slow. Next, apply for Pudong Development Credit Card, refer to the maximum amount of existing cards, and pay more attention to the utilization rate of existing cards without paying attention to liabilities.

the last step is to apply for the credit cards of the four major banks, because the four major banks have many outlets and stable policies, and they can also resist all kinds of wool. Unlike the policy of small banks, which has become fast, it restricts the use when it is restricted, reduces the amount when it is reduced, and cancels the previous small banks when it is not temporary.

2. Customers with cards

For those who already have credit cards, the application strategy is different from that of pure white households. First, check the credit information and package it according to the credit information, and then look at the debt ratio. If you have too many cards, the first step should be to cancel the cards, the banks with small amounts, and the banks with slow withdrawals. This requires you to understand the 14-line rules, which one will withdraw the funds quickly and which one will withdraw the funds. Then apply according to the normal process.

In short, the general idea is to choose commercial banks first, then four major banks, choose commercial banks to apply for cards, and also choose the card type that suits you, choose hot cards from official website, or co-branded cards. In the final analysis, the so-called express cards by outside intermediaries are all links to co-branded cards.

IV. Fill in the form and pay a return visit

1. Fill 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 belongs to cardboard and cannot be optimized. The other three pieces of information can be optimized appropriately, so how to optimize it is more critical. A specific form filling technology will be written in the later period of sunny days.

2. Pay a return visit

Pay a return visit to this piece, just grasp one point, that is, the information filled in the form should be consistent with the answers in the phone, and you must pay attention to the last pass during the return visit. Some people may not pay much attention to the return visit, and the return visit fails, so all your previous preparations will be wasted. .

V. Analysis of reasons for failure

This is the last pass and also a very important link. If the card application fails, you should first analyze the reasons, so that the same mistakes will not be made again in the later application. Some people fail to apply for the card, regardless of anything. When applying for the second time, they will only get the same result by the same wrong method, or they will end in failure!

The correct order of applying for a card is to apply for one first to see if it can be successful. If it is successful, it means that there is no problem with the information you packed. Just apply for a second card with the same information. If it fails, you must analyze and summarize the reasons, so that the success rate of applying for a second one is high.

that's enough for the introduction of how to package a credit card.