It is very simple to apply for a credit card of the Postal Savings Bank. Just fill in the application materials online. Bian Xiao once heard that many netizens complained that their credit card applications were rejected every second. Now Bian Xiao explains how to avoid a second refusal.
1. Don't apply for the same credit card of your peers repeatedly.
Under normal circumstances, applicants repeatedly apply for the same credit card of their peers, and the bank will reject it with reference to the results of the first application. Therefore, it is suggested that friends can try to apply for other credit cards of their peers when they apply for another card. If they really only want this kind of credit card, they can apply for the same kind of credit card from another bank.
2. The longer the application interval, the better.
After the initial card failure, apply at least three months later. Because from the bank's point of view, the applicant's qualification will not change greatly within three months, so it will basically be rejected with reference to the first reason The longer the interval, the bank will reconsider the applicant's qualifications, and at this time, adding some economic proof materials can effectively improve the success rate of card processing.
3. Inquire about personal credit information before application.
Some people have never used a credit card, and their first application was rejected because of credit problems. How can there be a credit problem if you have never used a credit card? In fact, your mortgage, car loan and installment shopping are all closely related to your credit history. No matter what problems occur, it will affect your credit card application.
Bian Xiao suggested that if there are overdue records in personal credit information, it is best to apply for a credit card after two years and repay it on time. Postal savings banks generally only refer to the repayment of applicants within two years.