1. Friends and relatives recommend to apply for a credit card. Credit card activities recommended by relatives and friends are often one of the ways for banks to promote their business. Take the credit card recommendation service of China Merchants Bank as an example. Select "Credit Card" in the main menu bar on the official website of China Merchants Bank, and select "Credit Card Online Application" in the sub-menu bar of the credit card that appears. We will see "Recommend friends and relatives to apply for a card" at the top of the page, and click Enter. On the card recommendation page, the first half is filled with the identity information of the recommended person (relatives and friends), and the second half is filled with the name and ID number of the recommender.
2. When applying for a credit card through the recommendation of relatives and friends. The recommended person will receive an official message from the bank. Attention, the recommended person should ensure that his mobile phone is kept open. When the bank staff contact the recommended person and go to the door to apply for a card, they must ask about their credit card details, such as credit limit, credit card type, how to calculate the annual fee, billing statement, etc. If the card handled by the bank can't meet the needs, the recommended person can politely refuse.
3. The benefits of applying for a credit card are recommended. For recommenders, recommending relatives and friends to apply for a credit card can get some discounts from the bank, depending on the bank, some may send points, some may send bills, and some may send small gifts.
4. For the recommended person, getting the recommendation of relatives and friends to apply for a credit card may speed up the application, but whether the application can be successful is still determined by the applicant's information completeness and credit status. Similarly, the credit limit is also determined by the information submitted by the applicant and cannot be estimated in advance.
5. Choose the right referees. Nowadays, more and more people apply for credit cards, and many friends find it increasingly difficult to apply for them. Sometimes, when the credit information and application conditions of the referrer are the same, it is very important to choose the right referrer, which can not only improve the success rate of card application, but also increase the amount of card application.
6. A good referee should have such conditions. First, personal credit is good, no overdue, no bad records, etc. Second, the credit line is high, preferably not less than 3 thousand; Third, the card has a long service life, preferably not less than 2 years; Fourth, the card is used frequently and belongs to the loyal and active customers of the bank.
7. Generally, the bank's card recommendation activity is door-to-door service by a salesman. The recommended person may wish to choose a salesman to handle it in the company, which will not only help the applicant to fill in the application form correctly, but also show the strength of the company where he works and improve the success rate of card issuance.
Finally, I would like to remind you that if you are recommended to apply for a card, you must choose a formal channel to apply for a card, and don't give your personal information to unfamiliar people easily, so as to avoid revealing your personal information, even getting a card or being overdrawn, causing unnecessary losses.