Nowadays, many people like to spend by credit card. If they don't have a card, they will get one. However, a credit card does not mean that you can pass the application. The key depends on the applicant's credit conditions. Especially now, many banks have changed from staking promotion to intensive cultivation, and the examination of applicants is becoming more and more strict. Let's have a look. As we all know, after applying for a credit card, the bank will comprehensively evaluate the applicant's credit status in many aspects. If the evaluation meets the standards, it will pass, otherwise it will directly refuse the card, and there is no room for discussion. Among them, we will focus on personal information, personal credit information, personal assets and debt ratio. 1. Personal information includes the applicant's age, gender, place of origin, education, work, income and other contents, which is the most basic judgment of the bank on the applicant's qualification when applying for a credit card, and it is also a preliminary screening process. 2. Personal credit investigation depends on the applicant's credit status. After using a credit card, it is necessary to repay the loan. It is not the same as people who have no credit. If the applicant has bad credit, the bank will not approve the card. To prove a person's credit, the key is to look at the overdue situation. It is best not to overdue, depending on the number of overdue, such as the current overdue, basically hopeless in the past two years. 3. Debt ratio refers to the judgment of the bank on its debt ratio according to the debts owed by credit information and credit cards. Once the personal debt ratio reaches a certain critical point, it is usually 50%, indicating that the applicant's repayment ability is not good, the risk of default is high, and it is difficult to approve the card. 4, personal assets, this is not a hard requirement, just bonuses, such as car production, real estate and so on. , are a lot of financial proof, which is equivalent to the guarantee of the applicant's repayment ability. In short, if you apply for a credit card and want to apply for it smoothly, it is recommended to improve your qualifications from the above aspects. The better your qualifications, the better your card.