1. Stable work
This kind of people generally do not refer to civil servants, such as employees of famous enterprises or executives of small enterprises, who have worked stably for a long time. It is relatively easy for them to apply for a credit card (debit card). A stable job means a relatively stable income, and there will be no credit card (debit card). Therefore, banks are more willing to grant cards to such people.
Compared with highly mobile construction workers, long-distance truck drivers, bar and KTV staff, banks will also consider it because of its low stability and high risk.
2. Rich people
If the job is average, but the individual has assets such as a house, a good car or a large deposit, and it is real strength, then the bank can still grant a high credit card (debit card).
3. People with good credit
Credit history is one of the most important factors in applying for a credit card (debit card). If the credit record is poor, then no matter how good the other conditions are, it is useless. In addition, there are other major negative information, such as those with criminal records, those who work in companies with bad records, and so on. Once the bank has mastered these situations, basically, credit card (debit card) applications will be rejected. Experts suggest that cardholders should use their cards reasonably, pay back in time and maintain good personal credit. A good credit record not only helps to apply for a card, but also adds points to the loan.
From this, we can sum up the skills of applying for the card, properly package personal information, such as the year-end bonus of salary income, and rely on the management direction, which will make it easier to approve the card.