1 March, April and May are the best time to apply for a credit card every year. If you have plans to apply for a card, don't miss this time period.

2. In the process of applying for a credit card, the applicant must choose an old cardholder who holds the bank's credit card when filling in the "reference", and the credit status of this old cardholder will affect the application result more or less. Banks are also more inclined to applicants recommended by quality customers.

Quality customers have the following conditions:

Good credit, no overdue, no bad records, etc. ; The credit card amount is high, generally not less than 30,000; The card holding period is long, generally not less than 2 years; Credit cards are frequently used and belong to active customers of banks. Therefore, if you have a high-quality customer who meets the above conditions, you may wish to make him a referee. On the one hand, it can increase the success rate of applying for a card, on the other hand, it can also let the referee collect some wool.

Third, try to apply through online channels. According to the bank staff, online application is the quickest and most convenient way. Just fill in the complete information and you will pass the exam soon. Especially the old customers of the bank, or customers with better conditions, can apply for the next card as soon as possible.