How to apply for a card for a pure white household

When more and more people apply for a credit card, the examination and approval of the credit card becomes more and more strict, especially those who apply for a credit card for the first time or apply for a high credit card are likely to be rejected by the bank. Can't groups such as pure white households apply for credit cards? That's not true, but it takes some skills to successfully pass the examination of the credit card application platform. Let's teach you how to apply for a card for a pure white household.

first, choose the right handling channels. At present, there are two kinds of cards in the market: offline card processing and online card processing. Online card processing is more suitable for pure white households. Relatively speaking, online card processing requires less materials, low bank audit requirements, and the success rate of pure white households' application is also relatively high.

2. Optimize the application materials appropriately. When processing credit cards, users need to submit some information. Pure white households themselves do not have an advantage in credit reporting, so we must optimize the application materials appropriately to improve the success rate of card application. But don't optimize it too much, otherwise once it is verified by the bank, it will be rejected, and more people will be blacklisted and become users who refuse to communicate with the bank.

third, the promotion of personal qualifications. In addition to the basic information, those who have business dealings with banks should also make contribution analysis. Therefore, it is very helpful for us to establish business contacts with banks, handle more related businesses of card application institutions and improve our contribution.

fourth, choose an application platform for applying for a credit card. The threshold of each bank is different, and the requirements of each card type are different. As a pure white household, Xiao Bian suggests that you choose a credit card belonging to a commercial bank, maintain good card use behavior after getting off the card, and then try a state-owned bank credit card. If you want to apply for a credit card of a state-owned bank, then it is best to choose a credit card mainly operated by a state-owned bank, and relatively speaking, the success rate will be higher.

Notes on how to apply for a credit card for a pure white household

The use of credit cards has gradually penetrated into all areas of life, whether online shopping, hotel dining, supermarket shopping, etc., as long as there is a pos machine, you can swipe your card and participate in preferential activities of the bank at the same time, so more and more people want to apply for a credit card.

However, for pure white households who have never handled any bank-related business, it is important not to blindly handle credit card processing. It is important to learn to choose a credit card that suits them. When handling a card, we should pay attention to the following four points:

First, look at the application threshold

It is natural to choose a bank that is easy to approve cards. First, we must eliminate the four major state-owned banks. Among commercial banks, China Merchants Bank and China Merchants Bank.

To apply for a China Merchants Bank credit card, the applicant must have a stable job, which is very critical.

To apply for a Bank of Communications credit card, you can choose some co-branded cards with low application threshold, such as Bank of Communications Wal-Mart Credit Card.

To apply for CITIC Bank credit card, it is recommended to choose CITIC Carrefour co-branded card or online shopping version of CITIC Taobao co-branded card, with low application threshold.

second, look at the annual fee-free policy

all credit cards have annual fees, and the higher the card level, the more expensive the annual fee is. However, it is better for a white household to apply for an ordinary credit card such as Jinpu Card. Compared with high-end credit cards, Jinpu Card's annual fee is much lower, and most banks' Jinpu cards can reduce the annual fee by swiping their cards, but high-end credit cards can't.

It should be noted, however, that the number of card swipes by Jinpu Card in major banks is different. For example, China Everbright Bank can waive the annual fee for the following year after swiping Jinpu Card for three times, Xingye, CITIC and Huaxia need to swipe their cards for five times, Guangfa, China Merchants, Transportation and Ping An need to swipe their cards for six times, and Minsheng Bank needs to swipe their cards for eight times to waive the annual fee for the following year.

Third, look at the points rules

For Xiaobai who wants to use points to come to bonus hunter, the points rules of credit cards can also be used as a reference item for card selection. Besides knowing how to accumulate points, he should also know which bank's points value, the validity period of points and so on.

judging from the accumulation of points, most banks accumulate 1 point by spending 1 yuan, but China Merchants Bank can only accumulate 1 point by spending 2 yuan.

From the point of point value, the points exchanged by China Merchants, Guangfa, Industry and Commerce, People's Livelihood and Pudong Development are still valuable.

judging from the validity period of the points, China Merchants Bank, Industrial Bank, Huaxia Bank, Agriculture Bank and Minsheng Bank are all permanently valid, while other banks are basically 2-5 years.

Fourth, look at the installment rate

Many friends will encounter difficulties in repaying in full after large consumption when using credit cards. You can handle the installment of bills to reduce the repayment pressure. However, the installment of bills is interest-free and not free, and you have to pay a certain handling fee.

Looking at the installment rates of all banks, under the condition that the installment amount and the installment number are consistent, Ping An Bank has higher hand fees than other banks.

in addition to the above three points, you can also refer to the cash withdrawal fee, online payment limit and so on in the choice of credit cards, so I won't explain them one by one.

how to handle credit cards for white households _ which credit card is easy for pure white households

With the popularity of credit cards, cardholders have tasted the sweetness. Many pure white households and friends who have never handled credit cards before also want to do so. As a white household, it is not so simple to apply for a card, and it is easy to be rejected. What about a white household's credit card? Which credit card is easy for pure white households? I'll introduce it to you.

which credit card is easy for pure white households?

First, avoid the four major state-owned banks

As we all know, the four major state-owned banks, namely Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China and Bank of China, have a relatively high threshold for applying for credit cards, which is not suitable for everyone, especially as pure white households. More than a dozen domestic joint-stock commercial banks are relatively easy to start with. To say which credit card is easy for pure white households, we can start with small and medium-sized banks.

Second, find a bank with business contacts.

Pure white households apply for credit cards. Try to find your salary card or a bank with large deposits, wealth management products and other assets. Because you have assets or wages flowing in this bank, the bank will know more about your assets and income, and will get extra points when approving cards, which will greatly improve the success rate of applying for cards.

Third, these credit cards are easy to handle

Each bank will have different credit card application conditions, and in order to meet the needs of the public, banks often introduce new products in the season or credit cards with lower application threshold. What credit cards are suitable for white households? I recommend several: Bank of Communications Y-Power credit card and China Merchants Bank Young card are suitable for young people under the age of 3; Guangfa Zhenqing Card is exclusive to women; CITIC White Joint Card and Everbright Fuka are also suitable for pure white households.

This is the end of the introduction about how to do credit cards for pure white households and how to do credit cards for pure white households. Did you find the information you need?