How to apply for a credit card fastest

1. Choose the right bank. When applying for a credit card, different banks will have different card processing times and probability of approval. Compared with the four major banks, credit cards from commercial banks still have certain advantages in terms of probability of approval and credit limit.

2. Choose the right credit card. Usually, bank credit cards are divided into three types: regular card, gold card and platinum card. These three types of cards are also designed for different users. Therefore, if you do not meet the relevant application conditions, do not apply for a card with a higher threshold.

3. Choose the application channel. Nowadays, there are many application channels for credit cards, such as online application, application at bank branches, and application at mobile stalls. Here it is best to apply through bank branches or mobile stalls. Because of this method, staff will teach you how to fill in the information, so the probability of getting the card is much higher than applying online by yourself.

How can a credit card be passed quickly? Master a few skills

To apply for a credit card, you need to go through three steps: application, review, and card release. Among them, credit card review takes a long time. If you want your credit card to be approved quickly, you can use some techniques to shorten the review time. Let’s take a look.

1. Online application

Online application is convenient and fast. The submitted information is sent directly to the credit card center, which saves the time of submitting information. The bank can apply once it receives the information. Friends who pass quickly can choose this method.

Especially for non-white households, after applying for a credit card from a bank, you can apply for some commercial banks with low thresholds, such as Minsheng Bank and Industrial Bank, etc., and you will get the result in as fast as 5 minutes. However, when applying online, non-first-time cardholders will generally be asked to go for an interview. The credit card can only be activated after the interview is successful.

2. Sufficient preparation of application materials

If you are applying for a card offline, you generally need to provide paper materials, so you need to prepare all the necessary materials. If you prepare If the information is insufficient, the bank will ask you to supplement the information before approval, so the review time may be longer. On the contrary, the more complete information you provide, the faster the bank will approve it.

General information includes a copy of your ID card, proof of employment, and some may ask you to provide bank statements. This depends on the bank.

3. Provide proof of financial resources

When applying for a credit card, the bank’s most important thing is the cardholder’s repayment ability. If you provide real estate, cars, and financial products when applying for a card, Other information shows that the cardholder's financial ability is relatively good. In the absence of large liabilities, the bank does not need to spend a lot of time assessing the cardholder's repayment ability, which will definitely shorten the application time.

4. Give priority to banks with which you have business relationships

Applying to banks with business relationships can also shorten the review time. For example, the bank where the salary card is located, the bank where the mortgage is located, the bank where the time deposit is located, the bank where the debit card generates a lot of turnover, etc., the bank will have a better understanding of the applicant's financial situation, which is also conducive to approving the card.

Is it easy to get a credit card? Where to do it?

Credit cards are easy to apply for and can be applied for at major banks.

First fill out a credit card application form and submit it to the bank, which will forward it to the head office or card center. Then after a period of review and approval, if you are deemed qualified, the card and password will be mailed to you.

You need to provide a copy of your ID card and as many proofs of assets as possible, such as proof of income, proof of real estate, etc. In some first-tier cities, it is possible to successfully apply simply by providing proof of identity and work card.

Extended information

For bank card application, it is strongly recommended not to entrust someone to handle it, as this is very dangerous. In fact, the application is very simple. The specific operations are as follows:

If the conditions are not sufficient, the card will not be issued. The application materials submitted at the same time will not be returned regardless of whether the application is successful or not. After the card is mailed, you need to call a service call to activate it, and then it can be used.

Within the credit limit (determined according to income status), you can go to the mall to swipe your card for consumption, and enjoy an interest-free repayment period of up to 50 days and a minimum of 20 days. Statements are sent once a month, and you just need to go to the bank to pay back the money based on the total amount on the bill and the latest payment date. If you do not repay within the time limit, you will be charged penalty interest.

Of course, you can sign an automatic repayment agreement and bind it to your debit card. The money will be automatically transferred before the monthly repayment date, so you don’t have to go to the bank to repay the money.