How long does it take to apply for a credit card with a mobile phone number? In fact, there is no requirement for the usage time of a mobile phone number when applying for a credit card, as long as it is a mobile phone number registered under my real name. The bank can also know the usage time of the mobile phone number when checking the credit report. Relatively speaking, the longer the mobile phone number is used, it can reflect the stability of the applicant from the side, but it will have less impact on credit card approval. The key to bank card approval depends on the applicant's credit report, assets, and repayment ability. When you apply for a credit card, if you want to successfully get the card approved, you can start from these aspects:
1. Self-check your credit before applying for a card, mainly focusing on three aspects. One is whether the credit report is overdue. Do not have three or six overdue records in a row, and there cannot be any overdue debt currently. The other is the debt ratio on the credit report, which is the total amount of credit cards and loans shown in the loan record, as well as the monthly repayment. The amount of the loan cannot be higher than 50; one is the hard inquiry on credit reporting, that is, loan approval, credit card approval, and guarantee qualification review. There should not be too many records in the three categories in the current period.
2. The required information is complete. Basic information such as your valid ID card, official seal of work and income certificate issued by your workplace, and bank statements are necessary. If you have assets in your name, such as providing proof of real estate, car ownership, etc., it can be used as a bonus and assist in credit card approval.
3. It is best to apply for a credit card if you have business dealings with a bank, such as a salary card. If not, you can go to the bank to apply for a savings card, save some money to increase your turnover, or buy financial products, etc. Once the bank recognizes the applicant's qualifications, it will be relatively easy to apply for a card.