In daily life, ordinary people will inevitably encounter many places that need money. If they don't have a lot of deposits, they can use credit cards to turn around. Although many of them are ordinary, they have high requirements for credit card limits. If they want to do it, they must do a high credit card. If you want to handle the card smoothly, you must first understand the conditions for handling the card, and then master the skills for handling the card. Let's have a look.
Conditions for ordinary people to apply for a credit card:
The basic requirements are relatively simple, reaching 18~65 years old and providing valid identity documents.
You must also have a stable job and income, and provide proof of work and income stamped with the financial seal of the unit;
No bad credit record.
Six ways for ordinary people to handle high credit cards;
1. Take good care of credit information: Good credit information can reflect the applicant's willingness and ability to repay, and it is a reference factor for the credit card limit. The better the credit information, the easier it is to gain the trust of the bank. In addition to not overdue, try not to let the credit record appear serious injury 3 months before issuing the card.
2. Provide true information: the information for applying for a credit card should be true and can be properly packaged, but don't pass it. For example, the annual income is based on the actual salary, and various welfare discounts and year-end awards of the company can also be added; For jobs, if ordinary employees have been employed for a long time, they can fill in a supervisor.
3. Reduce personal debt: Personal debt will reduce repayment ability, which is also a key reference factor for approving high-value credit cards. It is best to settle some credit card arrears and various small loans before handling the card, so that the personal debt is within 50%.
4. Asset strength wins: Strong assets can not only reflect economic ability, but also ensure repayment ability. If possible, you can apply for a card through an offline outlet, and provide the bank with proof of assets such as name, property, large fixed deposit or receipt of wealth management products, and it is very likely to apply for a high credit card.
5. Card application: that is, using a credit card of another bank for more than one year with a credit limit of not less than 30,000 as card application information. When applying for credit cards from other banks, they are usually approved with reference to the existing credit card quota, which is basically high, provided that there are no more than five credit card credit institutions.
6. Curve card: This refers to the credit card of the same bank. It requires that the first card is good, at least six bills should be issued, and the amount should be close to the maximum limit of the card level. Then, you can apply for a high-level credit card. For example, if the first card is a gold card, you can apply for a platinum card. If the card is approved successfully and the amount is high, the curve is successful.
How to apply for a credit card
The first credit card application method is: the applicant directly applies at the bank counter. If you apply in a bank, you must fill in the information directly. There are bank staff at the scene who can guide me to fill in the relevant information, which can avoid the problem that we are rejected because of the wrong information. At the same time, more qualification certificates and wealth certificates can be issued, which is conducive to improving our final credit card limit. However, it will be relatively slow to review the credit card at the bank counter, because you have to report the information of the branch to the credit card center, and then the card center will review your information. Another way is to apply for a credit card online: now we can apply for a credit card in official website, but this way of applying for a card online is to fill in the information ourselves, which is more likely to lead to the problem of filling in the wrong information, which will lead to rejection. But online processing is mainly convenient without going out, as long as a mobile phone or computer can handle it. There is another way to handle credit cards: through the bank's credit card salesman. We can often see these bankers selling credit cards in shopping malls or other stores. This way of handling cards is to receive awards, but because they are all business personnel, the main purpose is to obtain performance. Therefore, we should carefully weigh some things that guarantee a high amount of credit and ensure card issuance, and don't believe it too much. The process of handling a credit card is 1. Prepare application materials. 2. After the materials are ready, you can apply to the bank or make an appointment online. 3. Then wait for the approval of the bank. During the approval process, the bank will call the applicant to verify the information. 4. After the approval, the bank will mail the card to the applicant, and get the card about 3 weeks after submitting the information successfully. "Legal basis: As a civil act, the credit card business has been stipulated in principle by the General Principles of Civil Law, Contract Law, Criminal Law, China People's Bank Law, Commercial Bank Law and other laws. In Chapter 5 of the Law of China People's Bank, the People's Bank of China examines and approves the establishment, alteration, termination and business scope of financial institutions according to regulations. There are 65,438+03 items in the business scope of Article 3 of the Commercial Bank Law, and the credit school business belongs to 65,438+03 other businesses approved by the People's Bank of China. Violation of laws and regulations is invalid, and corresponding criminal responsibility should be borne.
What are the skills to apply for a credit card?
What are the skills to apply for a credit card?
1. The applicant should be 18~60 years old.
/kloc-friends under 0/8 years old, let's wait silently. Or consider getting a supplementary card for relatives.
2. Have a stable income and the ability to repay on time;
This is the most important point. If you have no repayment ability, no one will lend you money with confidence.
If you have all the above conditions, then let's start the journey of applying for a card.
1, dishonest:
Deduct 9 points for breaking promises twice or more. But personally, if there is dishonesty, the chances of approving the card are very small. If you break your promise more than twice, then you can give up applying for a credit card. Breach of contract can be manifested in many aspects, such as overdue repayment of credit cards and loans overdue.
2. Number of credit cards:
If you have a credit card, you have a great chance of success. But it is best to use a credit card with a good credit record of more than half a year. So if you have a credit card, don't let it sleep in your wallet, take it out and brush it. Nowadays, many credit cards charge their cards six times a year without annual fees. But also maintain a good credit record, which is conducive to the promotion of the industry. By the way, the most difficult time to apply for the first credit card. However, after your first credit card application is successful, it is very easy to keep a good credit record and apply for a second one.
3. Age:
Stand at thirty. Men over the age of 30 have a family and career, a strong sense of responsibility and are more trustworthy. Perhaps because of this, friends over the age of 30 scored higher.
4. Household registration:
If it is a local account, then the card approval rate is relatively high.
5. Housing:
Housing is an important factor in applying for a credit card. Houses are now generally regarded as proof of financial resources. If you have a room, you will have a higher card rate than if you don't have a room. But it must be in your name, if not, then you need to consider the transfer. Cars are the same as houses.
7. Marital status:
It is generally believed that the success rate of married people applying for credit cards is higher than that of unmarried people. And those with children scored higher than those without children. If you want to get a high card rate, you'd better find someone to get married and have a lovely baby. (joking)
8. Education level:
Education level is also a key to decide the card approval. If you have the conditions, you can take an advanced diploma, which is helpful for work and card approval.
This is the end of the introduction about how men do credit cards and what men mean by credit cards. I wonder if you found the information you need from it?