As we all know, individuals who are 18 to 65 years old, have full civil capacity, have legal and stable sources of income, and have good credit can apply for a credit card. Anyone can apply for a credit card. But whether the card can be successfully approved in the end depends on the person. From the mouths of many card gods, we know that these five types of people are more likely to be approved for credit cards.

When banks approve credit cards, they will score them based on the applicant's qualifications. The higher the score, the easier it is to approve the card. Generally speaking, applicants who meet the following characteristics will not have a very low score.

1. Have a sustained and stable income

In other words, a stable job. Whether the job is stable and whether there is income can reflect the applicant's ability to repay the loan. However, each bank has different views on this income stability.

For example, for the four major state-owned banks, for them, the people with stable jobs are generally employees of public institutions or state-owned enterprises, or employees of Fortune 500 companies. The jobs of these people are quite stable. , the income is also higher than ordinary people, and the repayment ability cannot be underestimated.

However, for joint-stock commercial banks, as long as there is a job, income, and working hours of more than 3 months, it is equivalent to stability. Generally, they are not very picky about the applicant’s work unit, as long as If you are not a person in a high-risk occupation, it is still relatively easy to get stuck.

2. People who have large deposits in the bank

People who have large deposits of more than 50,000 in the bank are generally high-quality customers of the bank. In the eyes of the bank, these people have deposits. , so there is no need to worry about their repayment ability. In addition to applying for credit cards on their own initiative, such people will also be invited by banks to apply for cards.

Therefore, if you want to apply for a credit card from a certain bank, it is also a common method to open an account at that bank and save money to buy financial products.

3. 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 before 2010, when college students first came into contact with credit cards, only China Merchants Bank China Construction Bank approves cards for college students.

Therefore, if you are a college student, it is generally easier to apply for credit cards from these two banks.

4. If you have a mortgage loan from a bank, it is easy to apply for its credit card. The limit is at least 10,000. If you want to apply for a state-owned credit card, For credit cards from the four major banks, you can try this method.

Some cardholders reported that they got a mortgage from China Construction Bank, applied for a CCB credit card online, and got a gold card with a limit of 10,000 yuan.

Of course, these four situations do not necessarily mean you can apply for a credit card. These are just common situations.

If you want to apply for a credit card quickly, the second one among the three situations that is most likely to meet the conditions is that you have a deposit in the bank. As for how much deposit each bank requires, it is recommended that it be more than 50,000. , after all, banks do not look down upon deposits below 50,000.