In fact, there are three main reasons why online credit cards are "bad":
1, no card reward
After applying for a credit card online, you need to activate it. Some banks only need to make a phone call to activate, while others need to go to the bank outlets to activate and sign. And this can't give credit card rewards to bank tellers, so people naturally don't want to respect you.
2. The information is simple and unreliable.
When you apply for a credit card online, the bank can only judge your personal situation by the information you fill in. Generally, the information you fill in is relatively simple, and there are no other financial proof materials. In addition, I am afraid that the information you added will be fraudulent, and the bank will not dare to give you more credit.
3. Multiple applications for one certificate.
Due to the convenience of online application, many people are a kind of psychology of "casting a wide net and catching more fish". If this family doesn't approve, there will always be approval. Often because of this, a large number of credit card application records are left on your personal credit record, and they are all successful. You will feel that your debt is too high. Needless to say, the risk of failure in card approval is too great.
So, how to get online applications approved quickly and get a high quota?
1, beautify personal data
Under the premise of ensuring the authenticity of the information, how to fill in the online credit card is also learned, and it is very important to vote. For example:
1) mailing address, and you can get extra points if you fill in the company address;
2) Personal annual income, be careful not to exaggerate, and fill in the highest item according to the type of work;
3) Contact person, it is best to fill in the business of this bank, if not, it is best to fill in personal assets.
2. Personal computer applications
Banks are very sensitive to risk control when handling business. If you apply on public computers such as Internet cafes, it is more likely to arouse the vigilance of banks.
Therefore, it is recommended to use a personal computer to apply for a credit card and ensure that the computer has the necessary security control.
Step 3 choose the right bank
It is actually very important to apply for a credit card online and choose a bank. We can mainly look at it from two aspects:
First, choose banks with low thresholds, such as Bank of Communications, Guangfa and CITIC. Compared with state-owned banks, it is easier to apply for card approval.
The second is to choose a bank with existing business. For example, if you already have a bank of communications credit card, you can apply for a bank of communications card online, almost every second. With all your information, it is easier to gain the trust of the bank.
4. Complete the information
The credit card amount applied online is low, and you can bring personal property certificates, such as work certificate, income certificate, social security, car book, house book and other things that can prove the user's assets.
In this way, the bank can better evaluate your repayment ability. If you approve a highly qualified credit card, it will definitely not be a problem.
In fact, banks treat customers who apply for credit cards equally. As long as they can gain the trust of the bank when applying online, the pass rate and quota of the card can be similar to that of the counter. In terms of convenience and quickness, online credit card has its absolute advantages.