How to apply for a credit card to pass

1. Online application

It is convenient and fast online. The submitted information is directly sent to the credit card center, which saves the time of submitting information. The bank can apply once it receives the information. Friends who want to pass quickly can choose this method.

2. Prepare sufficient application materials

The more complete information you provide, the faster the bank will approve it.

3. Provide proof of financial resources

When applying for a credit card, the bank’s most important thing is the cardholder’s repayment ability

4. Give priority to those with business relationships Bank

Applying to a bank with which you have business dealings can also shorten the review time.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay;

A quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.

Application

In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can apply to the card-issuing bank. Apply for a credit card. Sometimes, legal persons can also be applicants.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country.

Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank.

After the customer fills in the application form truthfully, he or she must also submit relevant credit certificates while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.

Cancellation

Before canceling a credit card, the account balance must be cleared. The entire process of canceling the card must be completed within 45 days after the application is submitted.

How to apply for a credit card and get it approved? These methods work!

Many young people who have just entered the society do not work very long and have little savings. When they see that a credit card can provide interest-free overdrafts and can also be used to withdraw cash, they want to get one. However, although a credit card does not require a mortgage guarantee, it does have a threshold. The bank can only approve the card before it can be issued, which requires you to master some methods of applying for the card. So, how to apply for a credit card and get it approved? Let’s take a look.

How to apply for a credit card and get it approved?

1. Properly package the real information: There are many intermediaries claiming to be able to help with card processing, but most of them provide false information. Once it is found that the credit card cannot be applied for, they will be blacklisted by the bank. Therefore, everyone still needs to properly package the real information, which can start from aspects such as position and income.

2. Spend time to improve your credit report: You should do it according to the situation, divided into white households and non-white households. It is best for white households to establish a personal credit record first. For example, now Huabei is all on the credit report. If you have Huabei, you should use it well, and don’t forget to repay it on time; if you have a non-white account, you must maintain it well. In addition to repaying it on time, you should also try to avoid being checked by financial institutions.

3. Improve personal comprehensive strength: One is the repayment ability, such as increasing income by doing etc., and the other is making money to pay off part of the money owed on the credit report, reducing personal debt and giving the repayment ability to Release; one is to make appropriate use of credit from other platforms, such as Alipay's Sesame Points, JD.com's credit points, etc.

4. Choose the appropriate card application channel: For example, if you have stocks, funds, real estate, cars and other financial certificates in your name, you can go directly to the bank branch to apply for the card, which will give you extra points for the card application. If you don’t have proof of financial resources, you can go through the official website, and the card will be approved faster.

The above is the relevant introduction of "How to apply for a credit card and pass the review", I hope it will be helpful to everyone.

What is the credit card review process? The credit card review process is exposed

Many people have experienced credit card applications. They fill in the bank credit card application form, submit additional supporting materials, etc., and then just You can wait for the bank’s approval results. What is the credit card review process? Most card friends don't know much about it. Today I will reveal to you the specific process of the bank's internal review and approval. Next, everyone will enter the bank's credit card review process together.

1. Information entry

Bank credit card review generally advocates a "paperless" office. After the bank receives the card applicant's information, the first job of the bank staff is Scan the data to generate pictures. The application form is then automatically divided into smaller image files based on different areas, and each small image only contains one item filled in by the applicant.

In the entry stage of the credit card review process, each staff member is only responsible for one piece of content. For example, the staff who input the ID number can only see the ID number. After the input is completed, the information will be directly entered into the bank's electronic review system. Each information will be input by two different staff members. If the two contents are different, This small picture will be handed over to a third person for identification. It seems that the bank's credit card review process is very rigorous and safe.

2. Preliminary review

The credit card review process officially begins. The preliminary review requires two procedures: electronic review and manual review.

1. Electronic review

First, the electronic system will evaluate the completeness of the information on the application form, and then use the personal information on the application form to determine whether the applicant meets the age, age, and age requirements. Income and other rigid requirements are required, and the applicant's credit status in the personal credit system will be automatically queried as a reference. After passing the initial electronic screening, the form will enter the manual review stage. This is the first step in the credit card review process.

2. Manual review

First of all, the staff will reconfirm whether there are any missing items in the application form, whether the signature meets the requirements, whether the ID card is clear, etc., and secondly, the application form will be reviewed. The submission channel will be reviewed to determine the authenticity of the information in the application form.

After the credit card application form passes the manual preliminary review, the system will determine the classification of the application form based on the parameters generated by the preliminary review, thereby determining which level of approval process these application forms need to go through. When the user's qualifications meet the requirements, the preliminary credit card review process is passed.

3. Further review

Subsequently, the bank will analyze the applicant's historical data based on the principles of mathematical statistics and manual experience, and conduct a comprehensive evaluation and ranking of the applicants. Decide whether the applicant can finally be approved for a card and how much credit will be given.

When there is ambiguity between approval and disapproval in the system, it will return to manual approval again, and the most experienced approver in the bank will decide the final result. The bank's credit card review process is basically complete.

4. Review cycle

It takes about 14 working days to complete the entire review process. The approval speed of online application is faster than that of over-the-counter application. However, whether the application can be successful depends mainly on Look at the applicant’s personal qualifications. In addition, not all banks' credit card review processes are the same as the above-mentioned processes, and the results may be available as soon as 1-3 working days.

How to apply for a credit card in order to pass

1. To apply for a credit card, the applicant first needs to meet the conditions for applying for the card.

2. Secondly, the application information submitted by the applicant needs to be complete and true in order to successfully pass the credit card review.

1. Detailed application materials are as follows:

1. Proof of identity: usually an ID card (if you are using a new version of the ID card, a copy of the front and back is required), military personnel are required to provide Copy of military ID;

2. Work certificate: It can be the original work certificate issued by the unit where you work (please indicate the specific company name, department, position and income, and stamp the company seal or personnel seal ), or a copy of the original and marked work permit that has been verified by the promoter;

3. Proof of financial resources: it can be salary records issued by the bank, or income tax withholding vouchers, or houses, cars, Documents proving the market value of deposits and investments (such as copies of real estate certificates/car driving licenses/bank time deposit certificates) and other documents that can prove your financial level. Other documents available for reference include: social security personal account list in the past six months, water and gas bills, credit card bills from other banks, etc.

2. Experience:

1. It is best not to apply online. The pass rate of online application is very low. The bank cannot fully review the application only through the information you submit online. of. It is best to contact the bank's salesperson to come to the company to handle the matter. If they can see you in person and see the company's situation, the bank will feel confident in lending you the money.

2. When filling in the form, fill in the personal content and company content truly. The higher the position or the higher the salary, the higher the appointment. Position and income will not affect the approval rate and amount of the application. size.

3. The company phone number must be filled in correctly to ensure that the company can receive calls and recognize you. The home phone number must also be filled in. Many people no longer use landlines. This phone number can be filled in for relatives and friends. It must be able to get through and get to know you.

4. The last is the contact information of the contact person. The first person leaves his parents’ phone number, and the second person leaves the name and contact information of a friend who has a credit card and has good credit. These two phone banks generally do not call for follow-up visits, so you just need to fill them out correctly and boldly.

5. Proof of financial resources provided to the bank is also very important, such as a screenshot of Xuexin.com for your academic qualifications, or a photo of your driving license if you have a car in your name, or a photo of the purchase contract if you have a house. Of course, if you have a car and a house, It must be passed.

6. If you have a work permit and social security provident fund, you must also provide it to the staff, which will not only increase the pass rate but also increase the amount.

How to apply for a credit card and get it approved?

1. Apply for a credit card online: If you go quickly, you can check the credit card application progress in 3 days. Under normal circumstances, the time from application submission to card approval is usually 7-15 working days.

2. Application at bank outlets: Apply through the bank's credit card specialist. The time from application submission to card approval is generally 15-30 working days. It generally takes 10 working days from the time the review department receives the application materials to the completion of the credit card review. The bank will produce the card within 2 working days and then send it by registered mail according to the billing address. Generally, the sending time of registered mail is within 15 days.

Extended information

Based on the application information, the bank will examine the applicant's various information and financial situation to determine whether to issue a credit card to the applicant. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand.

The standards of each card issuing bank are also different. Therefore, the same material may be issued with different credit limits in different banks, different types of credit cards, and some banks may even approve it, but Some banks may refuse to issue it.