If low-income people want to apply for a credit card smoothly, it is best to do the following:

1. Choose the online application channel to apply for a credit card

The process of applying for a credit card online is fast. The information can be directly entered into the bank's credit card center, the bank will review it online, and the card will be issued by express delivery. In addition, the acceptance rate for online applications is slightly higher.

Applying for a credit card online requires the applicant to have a regular job. Without a job, it is difficult to apply online.

2. Choose a regular card suitable for low-income people.

Credit cards are divided into different levels, such as regular cards, gold cards, platinum cards, diamond cards, etc. It is recommended that low-income people apply in When applying for a card, choose a relatively low-level credit card, and it is best to apply for a regular card. Because the initial limit of the regular card is low and the application threshold is also low, it is relatively easy to get the card. After the general card is approved, you can continuously increase the credit card limit through good card usage habits. After the credit card limit reaches a certain level, you can also apply to the bank to upgrade the credit card level.

3. Choose a card type that is easy to apply for.

In addition to choosing regular cards, you can also choose some credit cards promoted by banks, because generally speaking, credit cards promoted by banks Credit cards are relatively easy to use. Main card types promoted by banks usually include standard cards, Internet co-branded cards, supermarket co-branded cards, and some theme cards, etc.