2. Choose a good card type. Every bank has a standard card and a co-branded card. A co-branded card is a card jointly issued with a third party, which generally has the function of a merchant membership card. For example, China Merchants Bank can travel with a joint credit card, enjoy the function of travel membership card, and accumulate points according to VIP membership rules when booking hotels, air tickets and holiday products. When many people apply for cards, they just look at the co-branded cards. In practice, some functions are basically useless. It is best to choose a standard card, which will have a higher quota than a co-branded card.
3. Pay attention to the details of the materials. You will fill in the materials when you apply online. You must fill them out carefully. Generally speaking, if the company is good or famous, the bank score will be higher.
4. In addition, the position and company landline should also be filled in carefully. For those who require monthly income, don't just fill in the monthly salary, but share the year-end bonus, quarterly bonus and other bonuses, which is also considered as wage income.
5. Banks usually list the company as an entry as a required item. Only the company can guarantee a stable income and provide a source of repayment. No unit can provide proof of income, proof of assets, car driving license, etc. , and apply at the bank outlets.
6. If the affiliated company pays the social security accumulation fund, it can also fill in the materials of the affiliated company as the work unit. But don't let others forge company information to apply for a credit card.
7. In marital status, married people scored higher than unmarried people. In the column of education, the higher the education, the higher the score. It must be true, not false. Fill in the information carefully and accurately as far as possible to ensure that the bank will deduct points directly if it finds that the verification materials are inaccurate.