You can also try to apply for another bank credit card.
With so many banks, which one should I choose? People who have just applied for a credit card will have such questions. Here, Brother Lender's suggestion is: If your personal qualifications are not particularly excellent, avoid the four major banks: Industrial and Commercial Bank, China Construction Bank, Agricultural Bank and China Bank. The four major banks have higher requirements for credit card applicants, and without sufficient financial proof, it is easy to refuse to apply for credit cards. Even if it is approved by luck, the amount is pitiful. Therefore, it is best to choose commercial banks such as China Merchants Bank, China Everbright Bank, China Guangfa Bank and Industrial Bank, or city banks in the city where you are located. Not only is the application easy to pass, but the quota will be higher.
How to apply for a credit card
There are three main ways: counter application, online application and salesman handling.
Counter application, if you can provide powerful materials such as automobile production, real estate and bank card flow. , the card amount is also high. Therefore, it is not recommended for Xiaobai and people with insufficient qualifications to use it.
Online application is the most commonly used method. You can apply anytime and anywhere, with simple materials and fast approval speed. Finding a person with good credit information and high credit card limit can also improve the chances of passing. So this method of applying for a credit card is the first choice.
Salesperson handling. The advantage of looking for a salesman is related to his own commission, and he will try his best to help you get the card. Including but not limited to teaching you how to fill in the information, helping you pull the bank flow, etc.
Credit card application skills
1. Marital status: Married is better than unmarried.
2. Housing situation: owning a house is better than living with parents and renting a house.
3. Current address Residence time: The longer the time, the better.
4. Home phone: Fixed phone is better than mobile phone.
5. Education: The higher the better.
6. Position and income: The higher the better.
7. Unit category: institutions, state-owned enterprises and the world's top 500 companies are the best, and the higher the company's popularity, the better.
8. Working years in the current company: at least one year, the longer the better.
9. Credit card mailing address: it is best to choose the unit.
It should be noted that: marital status, education, the bank is easy to find out, never fake. Others, such as position and income, can be exaggerated appropriately, but not too outrageous. In addition, the company's phone number must be filled in, answered, and the person who answers can confirm that you are in this company.