How to fill in the information unit/position/response when applying for a credit card

The skills of applying for a credit card have a great impact on the bank's card acceptance rate. If you master it well, it will be more effective. This ensures that the bank successfully approves the card; otherwise, it is easy for the card to be rejected. So, today I will teach you how to fill in the information when applying for a credit card.

When applying for a credit card, you need to fill in the application form. When filling in the information in the application form, you must ensure the completeness and authenticity of the information, so as to prevent the bank from discovering fraud during the return visit and directly reject the card. . However, the amount of information in the application form is relatively large, and it can be packaged in many places.

Try to fill in the income between 50,000-60,000 yuan, which can be the annual income before tax, plus various welfare benefits;

Try to fill in the home address in a certain community, and it is best to be able to Accurate to the house number;

The household registration must be true, preferably married with children and owning a home;

Choose a company address for the credit card mailing address to prove your employment Stability;

The landline number of the work unit must be written down. If not, you can borrow help from relatives and friends. Of course, in order to cope with the return visit from the bank, you must communicate with the other party well.

How to respond to the bank’s credit reporting call?

Bank staff will only ask two or three simple questions, which can usually be answered in two minutes. Because they have to review hundreds of people every day, they will not ask for a long time. Answer what you ask, don't add fuel to the fire, remember!

When answering questions, pay attention to a calm tone, gentleness and courtesy, and a moderate volume. The most important thing is that the computer will review it. Don’t worry!

How to fill in the information when applying for a credit card. Generally speaking, it is to show the bank that you have sufficient financial strength, corresponding spending power and repayment ability, but the cardholder cannot blindly exaggerate, the bank will Review of information.

How to fill in the credit card application information

Many friends want to apply for a credit card to cope with consumption such as home visits to relatives, wedding gifts, dinner parties and entertainment, so what you need to pay attention to when applying for a credit card for the first time What? How to apply for a credit card quickly?

The credit card salesperson will hand you a card application. The following content needs to be filled in carefully. Online application also requires filling in relevant information.

1. Basic information

1. Marital status

Married with children, married without children, married without children, single. Just fill in the facts. If you are over 30 and unmarried, the bank will consider you unstable. It is recommended to prepare more asset certification documents (house/car/bank deposit) when applying for a card.

2. Residential phone number

The "residential telephone number" should be emphasized. Many applicants think that filling in the mobile phone number does not require filling in the residential telephone number. In fact, the bank's "residential telephone number" item mainly checks the stability of the applicant. So, don’t ignore this one.

3. Residential address

Whether you own or rent a house, you must fill in your residential address. Like the residential phone number, the bank is also testing your stability with this item.

4. Residential status

Owned residence, no loan, self-owned residence, loan, unit, apartment, renting, if you have not bought a house, you may wish to write down your hometown address.

Residence time is also a reference item. Generally, it is more stable if it is more than one year, and the longer the better.

2. Occupational information

1. Work address

Whether or not you have a work address can reflect whether you are working. Therefore, do not miss it when filling out the application form. .

2. Work phone number

Forgetting to fill in the work phone number is the reason why many people fail to apply for a card. The bank will call your workplace during the follow-up call to check the stability of your job.

3. Income

There is a lot of skill in filling in income. Fill it out truthfully and avoid making up random things. Of course, don’t forget to add social security, provident fund, welfare, and year-end bonus on top of the after-tax basis.

4. Length of service

The length of service directly shows the stability of your job, and it can also indirectly show the sustainability of your income.

Some cardholders are very honest and directly fill in the 10/11 months of employment based on the actual situation. Here, you might as well fill in an estimated number, more than 1 year.

3. Contact information

1. Contacts

Contacts are divided into two categories: immediate family members and other contacts. Family members with stable addresses, stable jobs and Friends with high incomes, etc. In a word, it is the smartest way to fill in the stable group that the bank is assured of. It is not recommended to fill in friends and relatives who do not have a fixed job or whose income/residence is unstable.

4. Statement address

1. Work address

The billing address has two options: work address and residential address. Check the work address on the side. Show that you actually work for this company.

How to fill in the credit card application form to get a high approved limit? Teach you some form-filling techniques

Nowadays, many people will apply for a credit card. If you go to a bank to apply for a credit card, you first need to fill out an application form. Many people may not pay attention to this application form, but in fact, the application form plays a key role in your subsequent review. So, how to fill in the credit card application form to get a high approved limit? Today I’m going to teach you a few tips on how to fill out a credit card application form.

1. The information must be complete and accurate

1. When filling out the application form, you can see that some are required and some are optional. Many people do not. Will fill in the optional fields. It is recommended that everyone fill in the credit card application form, whether it is required or optional, because the more complete your personal information is, the easier it will be for the bank to review it.

2. Be careful not to make mistakes when filling in the information. The information must be accurate. Your ID card number, workplace name, emergency contact person and mobile phone number, etc., are all subject of key review by the bank. Once the information is incorrect, the application may be directly rejected.

2. The information can be modified appropriately

1. Generally, banks attach great importance to the applicant’s financial resources, so you can modify it appropriately when filling in your personal income. . For example, in the salary column, you can fill in your basic salary plus year-end bonus, subsidies, etc.

2. The bank is also very concerned about the housing situation. People who own houses are definitely more popular than people who don’t own houses. If you don’t own your own property, you can fill in your parents’ property.

3. The stability of information representation is very important

1. For the card mailing address, it is recommended that you fill in your work address, which is better than filling in the address where you live.

2. In the fixed phone column, just fill in the phone number of your unit. Or if you have a landline at home, fill in the home landline.

The above is the answer to "How to fill in the credit card application form to get a high approved limit?" Here are a few things to note when filling out a credit card application form. Please be sure to fill it out accurately and completely. This will help you apply for a card, and the bank will also use this as a reference when approving the credit limit.

Comprehensive information on filling in credit card information (first issue)

1. Knowledge of card application business (eight elements of card application for white households)

1. Work unit Be detailed. If you don't have a place of employment, find a friend who works in the local company. If you contact the friend's company, if you have a landline, work place, etc., you will basically not make calls when applying online.

2. To apply for a credit card, first apply for Industry and Commerce, Ping An, CITIC, and Communications in order. It must be covered by Puka Basics.

3. The annual salary is not less than 80,000.

4. College degree, no less than junior college.

5. The property must be owned by oneself without mortgage.

6. Must be married.

7. The mail must be collected by your employer, and the courier will call you.

8. The company name must be detailed and the landline phone number is stable

2. Apply for a credit card for a white household:

1. Prepare all the details first and choose 3 companies Bank, I applied within an hour.

2. It should not take more than an hour. The first time the credit card is received, it will be directly reviewed by the robot.

3. After 1 hour, your credit card application information, which is big data, will be uploaded to the credit card information center. 4. In this way, if the first credit card is declined, the second one may also be declined. But if you apply to three companies at the same time, one or two will issue you a card. If you are qualified, all three will issue you a card.

There is also a choice of card type. When applying for a credit card for a white account, no matter which bank you apply for, choose a regular card (apply for a gold card for the first time, unless you are a civil servant)

Three .Banker’s summary

1. The official website of Shanghai Pudong Development Bank of China Communications Industrial Development Bank synchronizes the progress of card verification and you can check it directly (you need to wait 20 minutes to check the instant approval of Pudong Development Bank).

2. It takes 5-7 working days for Ping An Bank to approve the card (you need to wait 2-5 hours for approval within seconds).

3. The official website will synchronize the Minsheng credit card within 3 working days

4. The official website will synchronize the Guangfa credit card within 7 to 12 days (Guangfa car owner card will be batched and checked instantly)

p>

5. Some official websites of Huaxia nuclear cards are synchronized, and some need to wait 1-2 days.

6. The Bank of China official website will synchronize the progress of the card verification within half a working day, and the Shanghai and Guangzhou official website will synchronize the card verification.

7. Industrial and commercial is the slowest, with an average of about 1 month for card processing. There are also cases where people with good qualifications can apply within a few days.

8. China Everbright CITIC. It needs to pass the second review and the official website will synchronize the progress.

IV. Key points of methods to get the highest card acceptance rate

①Fill in the ID card truthfully

②Marriage 25 years and above and fill in married

③Education level: before 85 years old, fill in junior college; after 85 years old, fill in technical secondary school and high school

④Contact person: above 1, fill in the spouse if married

If married, fill in relatives at home

⑥Fill in the second contact person: colleague, certifying unit

Sponsor: write the same two people at most

⑦There are two card types to choose from

1 UnionPay 2visa requires the choice of UnionPay card type

⑧ Fill in the annual income of RMB 60,000 to RMB 120,000 and the minimum cannot be less than RMB 60,000

⑨ Card collection address: must be written and mailed to the unit

/If it is not your own employer, tell the courier your current address when he calls after placing the card

⑩Home address: Do not write 7-3-502 - be accurate Room 502, Unit 3, Building 7, Text 7

●, Do not change units within half a year. If you have a credit card before, how to change units within half a year: Call the bank where you applied for the credit card before and update it to the present time. unit. (Don’t be careful if you don’t have a credit card.) If you have just changed your information, don’t apply for a credit card based on the new information directly. Wait until the last credit card bill appears.

●. If you don’t have an employer: ① Find the largest local factory (online) Check the specific address and phone number) The bank salesperson calls back to ask for your name. The person who answers the phone at the factory doesn’t know if you are from this factory. There are too many people in the factory.

● Or you can find a business license from a friend’s house. Telephone. Inform friends to help answer the phone

●, people who are difficult to apply for

1 Black accounts

2 Overdue

3 Online loans

4 always change jobs within half a year

5 white households

●, people who are easy to get cards

Have RVs, insurance policies, and have used them for 6 months It accepts credit cards above, those with a college degree or above, and workers in high-quality units.

5. Local promotion method, first ask the customer a few questions before applying for the card

1. Do you have online loans, Home Credit installments or mobile phone installments (there is no hope for online loans from Bank of Communications) )

2. Do you have a house or a car in your name (if you have a car, you can apply for a Ping An or Guangfa car owner card)

3. Alipay Zhima points (over 650, you can apply for Minsheng)

4. You can also apply for a Safe Card if you have an insurance policy but not a corporate legal person (with an insurance policy or a legal person)

5. If you are under 22 or over 60, give up directly, and the card acceptance rate is not high. A waste of time

6. Are there any credit cards from other banks that have been used for more than one year (to pave the way for Bank of Communications Industrial Bank application)

7. Which bank has a debit card and which bank to apply for to improve the pass rate?

2. The customer has applied for mobile phone installment or Home Credit installment.

3. The customer has

4. The customer information is incomplete.

5. The customer’s credit report has been checked 4 times in two months.

6. The customer’s previous credit card has expired.

7. The total credit card balance under the customer’s name is more than 200,000, and more than 60% of the credit cards have been used.

8. The customer is a low-quality white household (no house or car).

9. More than 70% of the credit cards in the customer’s name have been debited

10. The customer is under 21 years old.

11. Aged over 55 years old

12. Change workplace and mobile phone number within one year

13. Self-employed or stable source of income

14. Directly apply for high-level credit cards

15. The applicant has a bad record

The dry information in this issue is compiled and edited by carders, and we hope more partners will participate. Share practical experience.

Follow "Cardaren" to share with you more information about card application.

This ends the introduction on how to fill in credit card information and Apple credit card information. Have you found the information you need?