Maybe many friends in your place want to apply for a card or a large card, but they can't do it themselves, so they just look at other people's advertisements in the advertising group and do it, ignoring the cheated ones. Is it worth the high handling fee? Why can't you do what others can do? Without saying much, let's get straight to the point. Let's analyze how to do the card.
when it comes to handling cards, we have to talk about the bank's scoring standards. First of all, the company does not mention those tall, what government enterprises, the world's top 5. Because many white households who want to apply for a card simply can't meet that condition, and the operation is also very demanding. What kind of company do you choose? This company must make the bank feel that it is possible not to punch in wages, because punching in wages is also a difficult project to operate.
Several types of companies and positions are recommended.
Foreign trade companies, manufacturing companies (with less than 2 employees), daily-use department stores, internet companies, technicians of financial companies, business managers, maintenance personnel, and finance departments ... in short, departments with high salaries and stable incomes!
Of course, it's best that you can work as a judicial officer, but it's also relatively risky to be investigated. After you choose a company, you can start to operate (here, it's all based on the premise that there is no real job, and it's easier to have a job. Fill in the application form directly and pay attention to some details.
There are skills in filling in the application form
1. Do you have a fixed telephone number in this city (having a fixed telephone number in this city means that your place of residence is stable, which will increase your credit evaluation score by the bank);
2. whether or not to get married (the score of being married is higher than that of being unmarried);
3. whether it is a local hukou (the score of local hukou is higher than that of foreign hukou);
4. Whether there is a house (owning a house is higher than not having a house, and living by oneself is higher than living with parents);
5. Education level (the higher the education level, the higher the score, and all those with lower general education are enrolled in junior college, and rarely check their education);
On the phone:
Used for a return visit. Personal phone, mainly used for notification after contacting the card. Pay attention to the following points when answering the phone: don't just find a phone number, or the phone numbers of relatives and friends for a return visit to the bank! ! !
1. The annual income is less than 15,-6, yuan. The higher the income you fill in, the higher the score, but it should be in line with your position and repayment ability.
2. Employment situation: if you are employed by yourself, you are your own boss. If you have a professional job, you will work in a company. If you have a professional job, your score is higher. Because you are employed by yourself, your risk is higher and your professional job is more stable, so your score is higher.
3. Young people make many banks uneasy, while older people have a sense of responsibility, don't swipe their cards indiscriminately and don't pay back their money, so their scores are relatively high.
4. Bank account, depending on whether you have regular bank transactions. People with more bank accounts generally think that they have more contacts with banks and more liquidity, which is more beneficial to banks.
5. Private telephone. Generally speaking, workers don't keep a landline. Only business people install a landline. This is also a factor that determines your industry and strength.
6. Housing means that your position and your own ability and strength are relatively strong. You have bought a house, so you are not afraid that you can't repay this small amount of money?
7. The continuous work depends on whether you can work safely and steadily. People with stable jobs generally don't lack money, but occasionally forget to bring money. It's only a temporary thing, and the repayment is quick, and the remaining money doesn't need to pay interest. How much money will the bank make? The data is amazing.
8. The number of credit cards. With a credit card, he can check your repayment ability. With strong repayment ability, it is easy to apply for a card. If you swipe your card with a credit card, he can charge the handling fee of the mall.
9. Residence time, the time you live in this place. The longer you live, the more familiar you are with the environment here. You don't move or change jobs casually, which directly affects your personal income, causing you to spend money by credit card normally.
1. Credit loans. As we all know, the interest on credit loans is relatively high, and only the boss with more strength can often lend. Therefore, the outstanding credit score is relatively high, and both the credit interest and principal can be paid back, so the interest principal of credit cards will be paid back even more.
The higher the score, the more credit limit and the more money you can use. When you apply for a credit card, it's best for the bank to have a time deposit. For example, if you want to apply for a credit card today, you should deposit a time deposit three days ago, usually for 2 days, and then cancel the deposit after the credit card is completed and delivered by courier.