Generally speaking, unlike office workers with stable salary income, entrepreneurs are considered high-risk groups when banks issue credit cards, so the approval rate for card applications is often low. Therefore, entrepreneurs need to master some skills to apply for a credit card:

1. Save money. Instead of investing all your money into the business when you start a business and then raising money everywhere when you find it is not enough, it is better to deposit the money in the bank first and then apply for a credit card. People with large deposits have a much higher success rate in applying for a card than those without deposits. After successfully applying for a card, you can just withdraw the money. As long as you repay the money on time, you can still get capital turnover.

2. Choose the appropriate bank and card type. Most banks are not optimistic about entrepreneurs applying for credit cards, but some banks have lower credit card application thresholds and even have credit cards that specifically encourage young people to start their own businesses. Applying for such credit cards can greatly improve the success rate of card application. .

3. Repay the loan on time and apply for an increase. If the initial limit of the credit card you apply for is not high, you must pay attention to repaying it on time after successfully applying for the card. This will not only avoid overdue and other bad records, which will affect future loans and card applications; you must maintain good use for 3-6 months. After the card is recorded, you can also call the bank customer service to apply for a limit increase.