How to apply for a credit card

The first way to apply for a credit card is: the applicant goes directly to the bank counter to apply. If you apply at a bank, you must fill in the information directly. There are bank staff on site who can guide me in filling in the relevant information, which can avoid the problem of being rejected if the information is filled in incorrectly. At the same time, we can issue more qualification certificates and wealth certificates, which will help increase our final card purchase limit. However, the credit card review process at the bank counter will be relatively slow, because the information must be reported from the branch to the credit card center, and then the card center will review your information. Another way is to apply for a card online: Nowadays, when applying for a credit card, we can apply for it on the official website of the credit card. However, when applying for a credit card online, we have to fill in the information ourselves, which makes it easier to fill in the information incorrectly. was dismissed. However, online application is mainly convenient and you don’t have to go out. You only need a mobile phone or a computer to apply. There is another way to apply for a credit card: that is, apply for a credit card through a bank’s credit card clerk. We often see these bank staff setting up stalls in shopping malls or other stores to promote credit card applications. This method of applying for a card allows you to receive prizes, but since they are all business personnel, their main purpose is to obtain performance, so we still have to carefully consider things that guarantee a high limit and ensure the card is issued, and not to believe too much. The process of applying for a credit card 1. Prepare the application materials. 2. After the materials are ready, you can go to the bank to apply or make an appointment online. 3. Then wait for the bank's approval. During the approval process, the bank will call the applicant to verify the information. 4. After the approval is passed, the bank will mail the card to the applicant. It will take about 3 weeks to get the card after successfully submitting the information. "Legal basis: Credit card business is a civil act. The General Principles of Civil Law, Contract Law, Criminal Law, People's Bank of China Law, Commercial Bank Law and other laws have principled provisions on credit card business. Chapter 5 of the "People's Bank of China Law" states that the People's Bank of China examines and approves the establishment, change, termination and business scope of financial institutions in accordance with regulations. Article 3 of the "Commercial Bank Law" has 13 items in its business scope. Credit goes to school. Businesses that fall under item 13 are invalid and subject to corresponding criminal liability if they are approved by the People's Bank of China.

How to apply for a credit card more easily

If users want to successfully apply for a credit card, they must first meet the credit card application conditions. Secondly, they can choose to apply offline. Only when they meet the credit card application conditions can they have a certain chance of being approved for credit cards. Users can apply for a credit card offline. Submitting additional materials can help to pass the credit card approval.

Of course, if the user has successfully applied for a credit card before, they can choose to apply for the card through the Internet. Old customers can apply for the card again and pass. The probability of approval is relatively high.

To successfully apply for a credit card, users must first meet the credit card application conditions, and secondly, they can choose to apply offline. Only if they meet the credit card application conditions will they have a certain chance of being approved. Approval. When applying for a credit card offline, users can submit additional materials, which can help pass the credit card approval.

Of course, if the user has successfully applied for a credit card before, they can choose to apply for the card online later. If you apply for a card through the old customer channel, the chance of passing the review is relatively high.

How to apply for a credit card with a high success rate? Take a look at these tips

Although Bank of Communications credit card is not as popular as the four major banks, the application threshold for applying for a card is relatively low compared to the four major banks. Many novices with white accounts are doing it for the first time. Most people who apply for a credit card choose Bank of Communications. As long as your credit report is good and you pay attention to the bank and choose a suitable card type for application, the chance of applying for the card is very high, so today Xiao Qin will share with you how to apply for a Bank of Communications credit card. Special skills, if you are interested, please continue reading!

1. Good credit report

The most basic condition is that your credit report is good and not overdue. If your credit report has overdue records within 2 years, or the number of inquiries in 3 months, Don't blindly apply for a credit report that may lead to confusion. Pay attention to the bank, optimize your personal credit report, and use special techniques to "create the 3 N's of credit report" to cover up your bad records. Cardholders who know the operation can consult Xiaoqin on WeChat.

2. Application channels

It is best to apply online for a Bank of Communications credit card, that is, apply directly in the Bank of Communications APP or Pay Bar APP. Now there is no application threshold for Bank of Communications credit cards. High, so it is still very easy to pass. As long as your credit report has no overdue records in the past two years, as long as you are not rejected immediately after completing the application process, and you receive a text message prompting a return call, you are basically stable.

3. Issuance of salary card on behalf of others

If you have a card to issue salary on behalf of Bank of Communications, and the continuous payment period is more than 3 months, you can go to Bank of Communications with the transaction records of your salary card Applying for a credit card, this is a natural attraction. As long as there is no problem with the credit report, the card application rate is very high. The limit is determined based on the amount of wages paid on behalf of the card. Therefore, for those card friends who have wages paid on behalf of others but not high, it is recommended to create one at the same time. The transportation savings card is effective in overnight interest settlement, which can greatly increase the amount of the card.

4. Fill in the application form

As long as your "Credit Reference" and "Application Form" fill in the bank's system review standards (which is what we often call the comprehensive score), that is You can apply for the card easily. The specific details to fill in the application form are as follows:

1. Educational qualifications: write college if below college, fill in the above authentically;

2. Marital status: 25 years old For the above, you can write married, which means stable;

3. Residential address: required, accurate to the house number;

4. Residential status: fill in that you own your own residence and have no loans;

5. Work address: required, choose the work address as the card collection address;

6. Work phone number: required if you have a landline, extra points;

7. Nature of the unit: It is best not to be: construction, real estate, light trade, finance, services. If these industry categories cannot be avoided, then when filling in the position, try to be "administrative, management, and technical positions";

8. Contact person: It is best if you have a credit card from our bank. If you don’t have one, you must fill in a family member or friend with a good credit report;

9. Annual income: no more than 120,000. 120,000, if it is greater than 120,000, fill it in truthfully, and then combine it with the previously mentioned skills to create "effective overnight interest settlement" for savings cards, match the corresponding values, and the effect of placing cards in batches in seconds is excellent!

5. Recommended Card Types

1. Standard Gold Card

Generally speaking, you should not choose Standard Platinum Card because the review requirements are very high and it is easy to be rejected. ; Don’t choose the standard regular card, because the review qualifications for the regular card and the gold card are the same. As long as you pay attention to it, the success rate and quota of your application will be good.

2. Y-POWER Credit Card

This is a card type launched by Bank of Communications specifically for young people under the age of 30, so the qualification requirements for applicants are not high, as long as they apply There are no serious stains on your personal credit report. (If there is a bad record on your credit report, it is recommended to optimize it before applying, so the pass rate will be much higher.) Non-college students with a stable income can apply. The card is characterized by ultra-low cash withdrawal fees, ultra-high cash withdrawal limits, and the ability to participate in many activities such as Bank of Communications' Redtest Friday.

3. Jingdong PLUS Platinum Card

Although this card is a platinum card, it is a small platinum card. In addition, it is a co-branded card, so the overall application threshold is not high. And judging from the feedback from small partners, the quota is not bad, the minimum approval is 20,000, and the benefits are also very good, especially for new households.

That’s all for the introduction on how to successfully apply for a credit card.