When banks approve credit cards, they will score according to the qualifications of the applicants. The higher the score, the easier it is to approve the card. Applicants who generally meet the following characteristics will not get much lower scores.
First, there is a sustained and stable income.
In other words, job stability. Whether the job is stable and whether there is income can reflect the applicant's repayment ability from the side. However, banks have different views on the stability of this income.
For example, the four major state-owned banks, for them, the objects of stable work are generally employees of public institutions or state-owned enterprises, or employees of top 500 enterprises. These people's jobs are quite stable, their income is higher than that of ordinary people, and their repayment ability should not be underestimated.
But for joint-stock commercial banks, as long as they have jobs and income, working for more than three months is equivalent to stability. For the applicant's work unit, it is generally not picky, as long as it is not a high-risk occupational practitioner, it is still relatively easy to get rid of the card.
2. Have a large time deposit in the bank.
People who have more than 50,000 rated deposits in the bank are generally high-quality customers of the bank. In the eyes of banks, such people have deposits and do not have to worry about repayment ability. In addition to actively applying for a credit card, such people will be invited by the bank to apply for a card.
Therefore, if you want to apply for a bank's credit card, it is also a common practice to open an account in that bank to save money to buy wealth management products.
Third, college students and other highly educated groups.
In fact, China Merchants Bank was the first to open the credit card market for college students. At least 20 10 years ago, when college students first came into contact with credit cards, only China Merchants Bank and China Construction Bank granted them cards.
Therefore, if you are a college student, it is generally better to apply for credit cards from these two banks.
Fourth, banks have mortgages.
If you have a mortgage in any bank, it is easy to apply for a credit card from another bank, with a minimum amount of 1 10,000. If you want to get a credit card from the four major state-owned banks, you can try this method.
Some card friends reported that they applied for a mortgage in CCB, applied for a CCB credit card online and got a gold card with a limit of 10000.
Of course, these four situations may not all apply for a credit card. This is just a common situation.
If you want to apply for a credit card soon, the second of the three situations is most likely to meet the requirements. As for how much deposit each bank needs, it is suggested that it be more than 50,000. After all, deposit banks under 50,000 don't care.