Nowadays, it is not an easy task to successfully apply for a credit card. Many people are rejected for various reasons, and many people don't know much about it. So how can the application for a credit card pass the examination? Let's take a look at it below.

1. Proper packaging of real information:

There are many intermediaries who claim to be able to help get the card, but most of them provide false information. Once it is found out that the credit card can't be done, it will be blacklisted by the bank. Therefore, everyone still needs to properly package the real information, starting with the position and income.

2. Credit investigation must pass the customs clearance

It is necessary to support white households and non-white households according to the situation. It is best for white households to establish personal credit records first. For example, now that all the flowers are on credit investigation, it is necessary to use them well, and don't forget to repay them on time; Non-white households with records must be well maintained. In addition to timely repayment, they should also try to avoid being checked by financial institutions.

3. Enhance personal comprehensive strength:

One is repayment ability, such as increasing income by doing part-time jobs, and the other is to make money to pay off the money owed by credit information, reduce personal debt and release repayment ability; One is to properly use the credit of other platforms, such as Alipay's Sesame Score and JD.COM Credit Score.

what are the criteria for banks to audit credit cards?

1. Income

The bank will judge whether you can meet the qualification of the bank according to your income, different positions, different industries and different salaries. Naturally, the higher the salary, the higher the initial limit of your credit card.

2. Bank flow

The fixed flow of a bank, such as a salary card, is very important for the bank flow. It can be recorded in the banking system that your income is stable and you have a certain economic foundation, which is very favorable for handling credit cards. But if you don't have a regular flow in the bank, the bank will doubt your application.

3. Whether there is a housing and credit record

Housing is an indispensable condition for the level of the credit line. When you have the ability to buy a house, are you worried that the bank will not handle a credit card for you?

credit records, that is, credit records, are not overdue, credit is good, and repayment on time are all manifestations of good credit records. This proves that if you need a loan in the future, you can repay it on time because of your credit record.

4. Card application record

Generally, there are no more than three cards in a month. Once there are more than three cards, the bank will think that you are short of a lot of funds in a short time. It is best to apply for one card in three months or three cards in one year, so the probability of the bank issuing a card is very high.