Hello, let me give you a few tips to easily apply for a credit card:

Tip 1: Choose a card reasonably

Apply for a gold card or above The amount is higher. Under normal circumstances, the credit card limit is: 3,000-8,000 yuan for a regular card, 8,000-50,000 yuan for a gold card, and more than 50,000 yuan for a platinum card, but the details depend on proof of financial resources, personal credit status, etc.

If you want to apply for a platinum card, you should consider:

The annual fee is higher, and the annual fee will be charged regardless of whether the card is opened or not.

Annual income of more than 150,000 is required.

If your annual income is not up to standard, it is recommended to apply for a "Little Platinum" credit card first. Not only can you enjoy the preferential policies of no annual fee and annual fee redemption with points when the card is full, but the limit will also be higher than that of lower-level cards. Quite a few.

Tip 2: Proof of financial resources

The more complete and powerful the proof of financial resources, the higher the credit card approval limit may be. Proofs of financial resources that are helpful for applying for a card include:

1. Official salary slips or income certificates for the past three months issued by government agencies and enterprises (need to be stamped with company seal or department seal);

2. A copy of the passbook/bill issued by the bank (need to show salary entry information for the last three months);

3. A copy of the personal income tax payment certificate for the last three months;

4. Copy of social insurance withholding certificate;

5. Copy of self-owned property certificate;

6. Bank time and demand deposit slips/passbooks Copy;

7. Copy of purchase receipt for funds, treasury bonds, and corporate bonds (need to show the purchaser’s name, account number, and account balance);

8. High-limit credit cards from other banks , Copy of high-end bank membership card.

Tip 2: Filling out the application form is no joke

When filling out the form, pay attention to several important things. The higher the score you get, the higher the approval limit is likely to be. However, you cannot fill in the form falsely.

1. Income: The higher the income, the higher the bank’s credit score for you (if the unit can issue a proof of income, it can also be increased appropriately, but not too bad);

2. Educational level: the higher the education level, the higher the score;

3. Whether it is a registered permanent residence in this city: the score of a registered permanent residence in this city is higher than that of a registered permanent residence in other places;

4. Whether you have a house: owning a house has a higher score than not having a house, and living by yourself has a higher score than living with your parents;

5. Whether you are married: being married has a higher score than being unmarried;

6. Nature of work unit: Government agencies, large state-owned enterprises, and Fortune 500 companies all have higher scores, while unknown private companies and small foreign companies have lower scores;

7 , Work unit fixed phone number: If you fill it in, you will get a higher score, which will help you make a follow-up call;

8. Higher education certificates, national qualification certificates (lawyers, doctors, accountants).