One day a year ago, I took my apprentice to apply for a credit card of China Construction Bank, but it was turned down in a gorgeous second, so I didn't belong to the category of high-quality customers, so I made up my mind to tear down China Construction Bank!

after reading some raiders, I made some preparations in advance.

as we all know, it is taboo to have more than six lines in the construction, so if it can be reduced to six lines, it should be reduced to six lines as far as possible. If it can't, try to wait for the right time and make more preparations, and maybe it will come down.

start to get into the text, and say it directly without much ado.

my preparation work before applying for a card in actual combat: 1. In terms of credit investigation

1. Multi-line and multi-card clearing

I had at most 8 lines before. For the sake of construction, four lines were deleted and streamlined to four lines. After waiting patiently for half a year, all the credit information was collected simultaneously.

after streamlining, there are 4 lines and 7 cards left, including 2 aunts (credit information display 2), 2 farmers (credit information display 2), 2 Ping 'an (credit information display only 1 RMB account) and 1 Guangfa.

generally, it takes 2-3 months from the start of card cancellation to the synchronization to credit reporting (it usually takes about 45 days from the start of card cancellation to the official card cancellation, and it usually takes 1-2 months from the official card cancellation to the synchronous credit reporting, depending on the card cancellation level and the bank card cancellation speed, and it may even reach half a year! Special circumstances, such as aunt's line, only call. If you don't go to the outlet to cancel your card, it will take at least one year to cancel it ...)

2. In terms of loans, clean up

the card loan that you haven't applied for for for half a year (try not to apply for a card or loan for 1-3 months before applying for a CCB credit card).

3, bill sorting

In recent months, other conscious cards have made low bills (controlling overall liabilities).

that is, a part of other banks' cards is returned before the bill is issued, and the bill is returned within one week after the bill is issued.

bills are rarely done, and low bills are done more. The disadvantage is that the utilization rate of funds is not high, which is a difficult point for card friends who need capital turnover.

second, the bank relationship

move bricks! (Actually, it's for pre-examination.)

1 ~ 15 bricks, without moving 1 bricks, buy quick profit and Jiashi ultrashort (Jiashi pays points for the dragon made by the stars, so I won't elaborate on this post). It may be easier to have pre-examination and approval, but it doesn't matter much if it doesn't.

move bricks with bricks. If you don't have bricks, you can walk around for the night. Organic settlement cards are bound to build savings cards, which will have more relations with banks and help you get the cards.

You should make good preparations in advance, and after the pre-approval is approved (brush out the pre-approval as much as possible, personal advice), you'd better apply at the counter of the outlet.

It's simple. Just bring a good citizen's certificate. Ask the staff and say, of course, the staff may recommend other cards to you. It's up to you whether you insist on yourself or listen to the staff's recommendation. I insist on paying for it.

after filling in the information, just let the staff authorize it, step by step, without difficulty.

after that, the machine will issue a receipt, and you can leave with your good citizen's card and receipt.

if you have done the preparatory work well, you will usually receive a text message as soon as you walk to the door, and the results will be given in seconds. I believe that with so much preparation, there will be a greater probability of approval in seconds. If there is a second refusal, analyze your own situation.

Third, have a degree in mind.

This is aimed at the dissatisfaction with the amount of cards issued, such as my situation.

1. The number of card applications should not exceed 2 times in a short period of time

It is not recommended to push hard for many times in a row, which is unnecessary.

If you push it twice and it doesn't come down, first analyze the reasons, find the problems, solve them, and then wait for 1-2 months before applying.

2. How much is the credit card accepted

This is also related to how much preparation work is done, just like those preparations made earlier were to plant fruit trees, and now applying for a card is to harvest fruits.

if you pay more, you will reap less, that won't do.

after all the preparations, I went to the outlet machine to approve 27K per second, which was lower than my expected quota, and the minimum quota of my four lines exceeded this. I would definitely not accept this quota, so I chose not to activate it, and continued to apply for 2 cards on the same day, taking the card-free channel, so that I could be approved manually. Although it was slower manually, it was more flexible than the system, and I believe I could be granted more quotas.

the expected limit is 4K, but I didn't expect to get a card with 56K, and it will become a card with the second limit. This is also the advantage of manual audit, which has a probability curve, but the disadvantage is that the audit is slow.

fourth, digression

say something about the low credit card.

I understand now. After applying for a bank card, I find that the quota is low, so don't activate it.

once you activate it, it means that you recognize this quota, especially for a few k cards, which are difficult to maintain.

it takes a lot of time to raise it, even if it can't be raised.

instead of wasting time on this, it is better to apply for a second card or simply not activate it and cancel it, and then apply for other cards of this bank in a few months.

Look at the picture. The next two cards and Barbie White are activated first, then the payment White is activated, and then the payment White quota is leveled.

finally, talk about the withdrawal method of CCB!

1. cash installment withdrawal method

CCB APP- credit card-cash installment-application amount

If you see the scarlet letter "We will synchronize your credit card permanent limit", and the maximum installment limit is greater than the fixed limit. (Don't agree to the application)

Note: The amount raised by this method is not very large, and it is good to raise 1, to 2, yuan. If there is a red reminder and the amount cannot be raised successfully, it may be that there is something wrong with the credit investigation.

2. The method of increasing the amount of incoming materials at outlets

Take the materials to the outlets, and the staff will help you deal with them and wait for good news.

3. SMS withdrawal method (temporary amount)

The last four digits of CCTE # card number are sent to 95533, and you will know immediately whether you can withdraw the amount.

4. Credit card withdrawal method

CCB pays attention to the number of consumption transactions, no matter whether it is large or small, it is more than 1 transactions per month, and its liabilities are controlled within 5%, and it is appropriately phased.

CCB likes consumption abroad, and more participation in his Haitao activities will also help to raise the quota.

5. Curve withdrawal method

CCB curve card types: Barbie white under 2,, Dabaishan under 5,. Refer to the previous article for specific methods.

The above is my personal experience, and I hope it will be helpful to those who intend to apply for a construction card or prepare the curve without raising the amount for a long time.