It is really difficult for white households to apply for credit cards. Countless people were rejected for the first time. However, as long as you use the right skills to impress the bank, it is easy to do so. Here, I'll give you a few tricks.

Bai Hu's card application was rejected, mostly because his credit record was blank, and the bank didn't know his spending power, repayment ability and credit status. Therefore, if you want to apply for a card smoothly, you have to tell the bank that you have the spending power and the money to repay, and the bank will be happy to apply for a card.

There are many ways to prove to the bank that you have repayment ability. This paper mainly introduces these three methods:

1, deposits and deposits

A few months before you apply for a card, you should deposit a time deposit in Shenka Bank. You can't just save it. You know, banks are also very snobbish. If you save one or two thousand yuan, the bank will naturally not read it.

Therefore, it is better to deposit more than 50,000 yuan. For banks, a deposit of more than 50,000 yuan is enough to prove that your economic strength is good. Can such a person still lack money? White households use this method to handle cards, and the success rate will naturally be high.

2. Buy a bank to manage money

Bai Hu hopes that it is convenient to apply for a card. In addition to improving the application rate through deposits and fixed deposits, you can also buy wealth management products from banks that want to apply for credit cards.

You know, the initial investment of bank wealth management products is generally 50 thousand yuan. Those who have the ability and spare money to buy wealth management products will not be poor in economic conditions. In addition, wealth management products contribute a lot to the bank's income. Who will approve the card if it is not approved for you?

Step 3 get a car owner's card

Compared with people who don't have a car, the owner's card provides less information, only needs a driving license, and the application success rate is much higher than that of ordinary credit cards. Implication of "having a car": Not to mention thousands of dollars in gas every month, my brother/sister has enough money to buy a car to prove that my spending power will not be low.

Note that you can only apply for a car owner's card, van or bus in your own name, but you can't apply.

Can white families get credit cards?

There is no charge for handling a credit card, as long as the application materials are complete, there is basically no problem. People who have never applied for a credit card or loan are generally called "white households", so can such people apply for a high credit card? \ \ It is reported that the credit card limit is determined by the bank according to the income and credit status of the applicant. In other words, when applying for a credit card, "white households" can't apply for a high-value credit card if they can't provide some other valid economic proof (such as real estate, car, etc.). ). That is to say, if the "white household" applicant has a high income, is stable or can provide proof of real estate, car, deposit certificate and so on. Then it is easy to apply for a high credit card. \ \ Although a good credit record is the key factor to determine whether a credit card can be successfully obtained, it does not mean that "white households" cannot apply for a credit card, but that customers who do not have a "good credit record" when applying for a credit card are easily approved.

Can pure white families apply for credit cards?

When applying for a credit card, the bank will check the applicant's credit information. The better the credit information, the easier it is to approve the card. On the contrary, applications for cards with bad credit records may be rejected. For pure white families without credit records, a credit record of 0 will also lead to the rejection of credit card applications, which means that it is unlikely for a white family to apply for a card.

As we all know, credit record is the proof of personal credit. Only those who have handled bank-related credit business will be recorded in the central bank's credit information system. Credit can reflect whether a person is honest or not, and banks prefer those applicants with good credit. It is much easier for such people to apply for bank loans and credit cards than for white households.

After all, in the eyes of banks, the credit records of white households who have not done any bank credit business are blank, and it is difficult for banks to judge their credit status. This means that it is risky to issue cards and loans to white families, but it does not mean that white families have no credit cards at all.

So how can a pure white family get a credit card?

For white households, it is recommended to apply for those credit cards with low thresholds for the first time. In the application channel, if there is no strong financial strength as the backing, the result of applying at the counter is similar to that of online application, but the advantage of online application is that the card is released quickly, and some banks also send card gifts.

However, no matter which channel is used to handle the card, banks should refer to the applicant's personal credit information, while white households have no credit record and need to work hard on their personal qualifications. Simply put, they need to improve their personal qualifications to meet the requirements of banks.

How to cater? First of all, when applying for a credit card, provide as sufficient application materials as possible. In addition to providing the most basic personal information such as identity certificate and work certificate, you should also provide financial proof as far as possible, such as proof of real estate, vehicles or wealth management products, so that banks can see your strength.

If you don't have proof of financial resources, you need to master some skills in filling out the form. When filling in the form, you should pay attention to several options related to the success rate and amount of applying for a card, such as marital status, fixed telephone number, company fixed telephone number, address, annual salary, position, contact person and credit card of other banks.

Why is it so difficult for white families to apply for credit cards?

Many card friends have consulted that their first application for a credit card is always rejected, so they want to know why it is so difficult for a white household to apply for a card. In fact, the biggest reason why white households are always rejected is because the credit record is blank, and banks have no way of knowing their repayment ability, so they will not issue cards easily. So, how does a white family apply for a credit card? Let's take a look together.

Why is it difficult for white families to apply for credit cards?

Many cardholders who apply for a card for the first time are called white households because they have never applied for a credit card or a loan. The so-called white household is a person who has no personal credit record in the PBOC credit information system.

It is difficult for such people to apply for a credit card. A big reason is that their credit records are blank, so banks can't know your credit situation, and they can't judge whether you have certain repayment ability. In order to control risks, banks are very cautious about issuing cards to such people, and the degree of review of them is even stricter than that of overdue people.

This means that if you are a white household and want to apply for a credit card, your personal conditions should not be too bad. Maybe other people's income is not as high as yours, and their education is not as high as yours, but the bank is willing to approve the card if it is recorded well with the card.

How do white families apply for credit cards?

But many card friends started from the white tiger and gradually became card gods, which means that everyone can't escape the first time. So, how can a white tiger have the first card in life? There are three ways:

1. Don't start with the credit cards of the four major state-owned banks yet. Of course, if your economic conditions are very strong, you can ignore them. Friends with general economic conditions can start with small and medium-sized joint-stock banks. Compared with the four major state-owned banks, joint-stock banks such as China Merchants Bank and Bank of Communications are more tolerant of white households, so it is a good choice to choose credit cards of such banks as the first card in life.

2. It is best to apply for your salary card or a bank with assets such as large deposits, because these banks will have a certain understanding of your income through your salary flow and assets, which is also a plus item for your credit card application.

3. Don't apply for multiple credit cards at the same time. After all, for banks, it is easy for them to misunderstand that you are short of money, which is very unfavorable for credit card approval.

4. Start with Puka. Although gold and platinum cards have higher quotas and richer rights than ordinary cards, many banks will not give them to friends who apply for cards for the first time, because white households have never applied for credit cards, and banks have no way of knowing their repayment ability. Even if applicants have higher income, they will only be issued ordinary cards. It is easy for white households to apply for a gold or platinum card after they have used it for more than half a year.

What is the reason why Baihu's online credit card is always rejected?

It is convenient and quick to apply for a credit card online, but not everyone can apply for a card smoothly, especially for white households, it is common to apply for a credit card online and be rejected. Then, why is the application for a white account card always rejected? What is the reason? Let's analyze it for everyone.

Why is White Tiger's online credit card always rejected?

1. The applicant does not meet the most basic conditions for handling the card, such as 18 years old, being too old, exceeding the bank limit, having no stable source of income, and being unable to prove his repayment ability.

There is no credit card business in this area. In some third-and fourth-tier cities and township areas, banks do not carry out credit card business, so it is more difficult for users in these areas to apply for credit cards.

3. White credit households, people who apply for a credit card for the first time, have no credit records before, and it is difficult for banks to judge their credit quality, so it is easy to get a card rejected.

How long can I reapply after the application card is rejected?

After the credit card application is rejected, don't rush to repeat the application continuously, and try not to apply for another bank immediately. This is because when you apply for a credit card from a bank, you agree that the bank can query your credit records in the credit information system of the People's Bank of China. The bank's behavior of querying credit records will leave traces in the credit information system, and banks can see each other how many times your credit information system has been queried and in which banks. Applying for a credit card many times in a short period of time will make the bank think that you are in a hurry to use money, with high credit risk, and it is easier to refuse to issue it.

I suggest that before you apply for a credit card, you should find out the reasons for rejection and try to improve your qualifications, preferably after half a year. If online application is always rejected, I suggest you bring relevant information to the counter to apply.

2 1 year-old white household, no online loan, no overdue, why is the credit card rejected?

A 2 1 year-old spiritual guy with no online loan and no overdue asked me: Why was the credit card rejected?

Why can't I get a credit card? Don't you have a little in your heart?

Forget it. Snow Wolf will tell you the truth. Don't blame me, but thank me.

1. The bank thinks your education is low. Anyone with a bachelor's degree, white households and banks will approve cards, and there must be a 12000 or something. Even in order to seize the market, bank card salesmen go directly to the school to do it for you, and there are five or six thousand places before graduation;

The bank thinks your company is not good. 2 1 year-old, if you have graduated to work, then the bank will not approve the application, so the bank will dislike your company and be afraid that you will default with your card; If you don't graduate, it's straightforward not to approve the card. Banks just hate your poor school. Think about it. If you are in a top university like Beiqing Jiaozhe, do you think the bank will not approve your card? Don't tease;

The bank doesn't like your poverty! Banks represent capital, and the essence of capital is profit! In other words, everyone can understand that financial instruments never help the poor! Think more. Don't just watch beautiful women in small videos all day. YY was cool for a while, and YY has been cool to death. For example, loans are what the poor need most, right? But the bank just won't give you a loan. If you have no credit history to refer to and no asset mortgage, who will lend it to you? What a big risk! In fact, credit cards are the same. Rich people have money and don't lack a few cards. Instead, the bank tried every means to let him do it and gave him a high quota. Why, because they use cards frequently, consumption behavior no longer needs to be cultivated, but still needs to be affordable; Moreover, poor white households do cards, and banks are worried! Finally, it is not recognized.

Above. Snow Wolf is right, so it is necessary to give advice when most needed is least heeded. Credit cards, credit cards, banks will only issue cards to you if they think you have credit!

Understand? Class is over!

In order to make you listen, Snow Wolf specially found a beautiful picture to attract your attention. I hope you understand Brother Wolf's painstaking efforts!

Why can't white families apply for credit cards? Let's stop here.