To apply for a credit card for nothing, you must first make sure you have stable repayment ability. Generally, you need to have a stable job and work for no less than 3 months. The longer, the better. Another thing is that there is no large amount of arrears on the credit report, otherwise the debt ratio will be too high and the repayment ability will be insufficient; the second thing is to have good credit, but it is also possible if the credit report is white.

Good credit is the prerequisite for applying for a card

Then you need to choose a bank to apply for the card. It is recommended to choose a joint-stock commercial bank with a low threshold, such as China Merchants Bank, Bank of Communications, Industrial Bank, etc. , these banks do not have high requirements on the applicant’s financial strength; then choose the card type. These banks usually have popular cards on the homepage of their official website. Remember, it is best to choose regular cards and gold cards, and do not blindly apply for platinum cards. and above high-end cards.

In addition, it is also very important to choose a card application channel. Common channels include card application at offline outlets and online card application. Those who want to quickly apply for a card can apply for a card through various official online channels of the bank, such as WeChat Bank. , mobile banking, credit card official website, etc., when filling in the application form, it should be appropriately packaged, especially the income, working years, position, etc. should be appropriately exaggerated, but do not contradict the real information.

After submitting the application form, wait for the bank’s card approval result to come out. Whether you can successfully apply for the card is subject to the bank’s approval result. If the card application is rejected, it means that the comprehensive score is insufficient and there is no way to improve the qualifications in the short term. It is recommended that you ask your immediate family members to help you apply for an additional card for your own use.