I believe many people have questions about the difficulty of applying for a credit card at the end of the year. Some people think that the tasks of bank business representatives are almost completed at the end of the year, so it is more difficult to apply for a credit card at the end of the year. In fact, it is relatively easy to apply for a credit card at the end of the year, because many administrative staff in banks also have annual tasks, and they usually drag their friends to apply for them at the end of the year, so it is easy to apply for a credit card if you have certain financial conditions. Although it is easy, you still need to pay attention to the following points.

1. Choose the appropriate card application channel. Banks such as China Merchants Bank, China Guangfa, CITIC, China Everbright, Ping An, and Bank of Communications have all launched online card application services. Compared with applying for a card at an offline counter, the threshold for applying for a card online is relatively lower, it is easier to get approved, and the process is simpler. Card applicants can just submit their personal information online without leaving home. The disadvantage of applying for a card online is that the initial limit is generally relatively low.

2. There are skills in filling in the information. First, make sure that the card application information filled in is true and valid, and secondly, it should be as complete as possible; the income should be written as pre-tax income, and don’t forget to include bonuses and other non-wage income. Count it in. If you can upload some supplementary information online, provide it as much as possible, such as electronic copies of real estate certificates, electronic copies of vehicle certificates, deposit certificates, etc.

3. High-quality customers introduce card applications. Many banks have card introduction activities. Users who are already cardholders can get certain rewards by introducing new accounts to apply for credit cards. For card applicants, submitting card application information through the introduction of high-quality cardholders is more credible in the eyes of the bank and makes it easier to approve the card.

4. Apply for a card by card. The concept of "apply for a card by card" mentioned here is that if you already have a credit card, then when applying for a second credit card, you must check the card application information. Choosing an existing credit card and indicating the limit will help increase the chance of card approval.