What are the requirements for applying for 5, or 1, credit cards?

img =' 3359P9.toutiaomg.com/large/2191aa78ae88c15'/Conditions handles 5, and 1, credit cards

1. Age limit

2. Credit history

Personal credit investigation is becoming more and more important now. If the applicant has a bad credit record, the overdue record of credit card will be eliminated, and it is almost impossible to apply for credit card and bank loan. If you want to turn over, you can only wait for five years.

3. solvency

the first condition for choosing a bank cardholder is whether the applicant has a stable job. Your company background, company position and salary are all important conditions that affect the level and amount of credit card you apply for. The more stable the job, the better, and the higher the amount of application, which is proportional.

4. Additional sub-items

1-3 points can be said to be a necessary condition for you to apply for a credit card. Maybe you can apply for a 15K credit card, but if you want to apply for a higher credit card, you should pay attention to these extra points. Reward items generally include housing, private cars, large time deposits, large bank financing, etc. These bonus points are very helpful for you to apply for a large credit card.

I like the card reminder:

It is not impossible to apply for a 5, or 1, credit card. As long as your application conditions are up to standard, cardholders can apply in official website, offline outlets, WeChat Bank and formal third-party platforms (such as my love card) authorized by the bank. Remember not to provide false information when filling out the application form. Once the bank finds out, don't say the credit line, just shut you out. Related Questions and Answers: Related Questions and Answers: Is it difficult to apply for a credit card recently? How can I apply for a 5, credit card?

hello, everyone. I'm glad to answer this question. Whether the credit card application is good or not has something to do with your own conditions and the general environment. Many people may be rejected when applying for a credit card, but more people are approved when applying for a credit card. The reason is closely related to his own conditions. Here are some comparisons I made with the past.

First, due to the epidemic this year, many banks are in a state of tightening credit card approval. At the beginning of this year, many people in the industry and even people from all walks of life thought that the credit card industry was the golden age of this year. In fact, it is just the opposite. With the influence of the environment, the bad debt rate of bank credit cards continues to rise. Most banks have tightened the qualification requirements for handling credit cards. It can be said that it was the toughest year in the history of all credit cards. It is very easy to approve the card before the credit report has been revised before 219. After the revision of credit information in 219, long-term debt customers were all rejected. If credit card approval is stricter from 219, the credit card industry has entered the winter after the outbreak. If you are not qualified, you are basically not approved.

second, the comparison between online loan and credit card application. Since this year's epidemic, almost all customers who have online loans have not approved it unless they are close to paying back the gold. In previous years, if you had one, two or even three nets, he wouldn't be affected.

Third, almost all banks designate high-quality credit card customers as educated customers. If you don't have a college degree or even a higher education, there is little chance of applying for a credit card. In previous years, whether you have academic qualifications or not is very important. As long as you meet the requirements, you have basically passed the examination. Like Guangfa Bank, Bank of Communications, Ping An Bank and China CITIC Bank, education is king.

so how can I apply for a relatively high credit card? Xiaobian can do some personal experience sharing. My credit card limit is high or low. The highest is 13 thousand, and the lowest is 5 thousand. The main methods are as follows.

first, the main way to apply for a credit card is to go to a door-to-door salesman. Account managers who go to the door are more professional. As they have come to check their ID cards and company information, your score will be higher overall, which is naturally higher than your online application or counter application. Because they are more professional, they will do some optimization processing in the information filling, so that your score will be improved overall, so that your credit card limit will be improved accordingly. This method should be the most important of all methods.

second, try to show all your current financial resources to the bank for review. Many people want to apply for a high credit card limit, but they don't want the bank to know your real financial resources. You can't have it both ways. Either you will obediently provide the bank with complete financial resources for approval, or you will wait for the bank's approval, and your current financial resources are not so high.

thirdly, you must provide a fixed telephone for contact information, including the company fixed telephone or the home fixed telephone. There is a difference between having a fixed telephone and not having a fixed telephone, which will affect your credit card limit. Like me, I still have a fixed telephone in my house, just because I think I will need a loan or a credit card. Nowadays, many fixed telephones are provided by China Mobile Unicom or Telecom for free.

fourth, after all the information and materials are provided completely, you must sign to confirm that you must sign in block letters. I once met a client whose signature was very scrawled, and he had good financial resources, so the amount he approved was relatively low. He asked us to find out what the reason was. It turned out that because his signature was too scribbled, the approving staff gave him a small amount casually and it was over. Everyone doesn't know much about this, so the signature must be in block letters.

That's the experience I summed up for you. If you don't understand, you can leave a message in the comments section. I'm @ Credit Card Specialist _ Brother. The bank staff will show you more professional credit card knowledge and skills. Remember to pay attention.