Applying for a credit card is also a technical job. We know that in addition to the annual fee and limit, the interest points are also taken into consideration when applying for a credit card. What should you do if you are a pure white user who wants to apply for a credit card with a higher limit but can't even apply for one? If you also have such troubles, then you might as well read on.

Credit card applications from the four major banks are the most difficult, so you should avoid applying to the four major banks at the first step. Let’s take a look at the recommended order of credit card application.

Suggested application order:

1. Bank of Communications credit card (best approved, lower limit);

2. China Merchants, Everbright, Guangfa Credit Card (Easy to approve, quick to raise the limit. Bank of Communications freezes it at this time, no matter how big the limit is);

3. When the investment is increased to 40,000, apply for Ping An and CITIC (they all refer to the maximum limit of existing cards) limit);

4. Apply for a Shanghai Pudong Development Credit Card (refer to the maximum limit of the existing card, and do not care about the debt, but pay more attention to the usage rate of the existing card);

5. At this time, the credit card also has The limit is 400,000, not counting cash installments, reserve funds, etc. (Try not to use these for non-urgent matters, because bank policies change too quickly, and it is common for banks not to grant them temporarily, and the limit is suddenly reduced. For example, Ping An, China Merchants Bank, and Bank of Communications);

6. The last step is to apply for a credit card from the four major banks (please take care of it as you have the funds).

Why should we follow this order?

1. Bank of Communications credit card is the easiest to get approved, which is very important for white households;

2. Apply for China Merchants, Everbright, and Guangfa Credit Cards because they are the easiest to increase the limit;

3. Apply for Ping An, CITIC, and Pudong Development Credit Cards, mainly because they mostly refer to existing card limits, and the limit increase is special Grow slowly. If you don’t apply for investment and apply to Shanghai Pudong Development Bank first, your total credit will grow very slowly;

4. The reason for applying to the four major banks is because they have many outlets and stable policies, and they can’t help but collect all kinds of wool. For example, the policies of small banks have changed quickly. If they say they limit the use, they will limit it. If they say it will reduce the quota, they will reduce it. If they say it is not temporary, it will not be temporary. When the quota is enough, they will cancel the previous small bank.

The above is the application sequence for Baihu to apply for a credit card. If your credit card is always rejected and you are still unable to get it, you might as well apply for a credit card in this order.