1. In general, the amount of credit card application for the first time is relatively low, unless sufficient proof of assets can be provided, such as income, house ownership certificate, mortgage purchase certificate, car ownership certificate, bank deposit certificate or securities certificate. Of course, in addition to the asset certificate, other certificates that can prove personal ability will also help to obtain high-value credit cards, such as academic certificates and technical level certificates.
Fill in the credit card application form carefully (generally speaking, the following aspects on the application form will affect the bank's credit evaluation score for you. The higher the credit score, the higher the probability of obtaining credit card approval and the higher the limit);
1. Is there a fixed telephone in this city (having a fixed telephone in this city means that the residence is stable, which will increase the credit evaluation score of the bank for you);
2. Whether or not to get married (the score of married is higher than that of unmarried);
3. Whether it is a local account (the score of local account is higher than that of foreign account);
4. Whether there is a house (having a house is higher than not having a house, and living by yourself is higher than living with parents);
5. Education (the higher the education, the higher the score);
6, the nature of the work unit (the more stable the work unit, the higher the popularity, the higher the score. For example, institutions, large state-owned enterprises, and Fortune 500 enterprises all scored relatively high, while unknown private enterprises and foreign enterprises scored relatively low);
7. Position (The higher the position, the higher the score. For example, civil servants and company managers have higher scores than ordinary employees, and any bank has a credit card. If you meet these conditions, it is good to choose a bank.
Third, credit cards have an overdraft function, and you can use your credit card to shop if you have no money in your card, so not everyone can apply for a credit card, and banks only issue credit cards to people they think are honest. Compare and see if you meet the requirements for issuing credit cards by banks:
1, aged between 18 and 65;
2. Have a stable occupation and income;
3. Have good credit and the ability to repay the principal and interest on time;
4. Natural persons with full capacity for civil conduct (robots, vegetarians, minors and people with a certain degree of mental illness are not allowed).
4. If you haven't met the requirements for applying for an ordinary credit card, you can apply for a supplementary card through your parents and spouse. To apply for a supplementary card, you must meet the following conditions:
1, a natural person with complete or limited capacity for civil conduct.
2. At least 13 years old.
3./kloc-Applicants for supplementary cards under the age of 0/6 should provide a copy of the household registration book when applying.
Not everyone can handle some cards, and these cards have some special requirements for cardholders. For example, the magic credit card of CITIC Bank can only be applied by women.
Attachment: Tips for successfully applying for a credit card:
Banks pay more and more attention to risk control, and the approval of credit cards is also very strict. Many friends apply for credit cards or high-limit cards for the first time, and all of them have been rejected by the bank. What are the tips for successfully applying for a credit card?
1. Please try to prepare sufficient proof of assets. If you have applied for a credit card and have a good credit history, you only need to make a copy of your existing credit card and send it with the application form. Because the bank can check your personal credit record through the personal credit information system, whether the credit record is good is also one of the conditions for the bank to judge whether it is qualified to issue cards.
2. If it is the first time to apply for a credit card and there is no credit consumption record, you need to prepare various asset certificates. Because the bank decides whether to approve the card and the size of the credit line according to your various incomes and assets.