When applying for a credit card, white households only need to submit some economic certificates to apply for a credit card. Financial proof includes bank salary, large bank deposit, real estate license, automobile driving license, etc.

After these materials are submitted, the probability of issuing cards by banks will greatly increase, but the credit card quota obtained by white households is not very high.

Credit card is a very common and practical financial tool, and anyone who meets the application conditions can apply for it. But how can a white household go to the bank to apply for the first credit card? Some skills summarized by Bian Xiao today are shared with you, hoping to help more friends in need to apply for their favorite credit cards smoothly.

We know that people who have never applied for a credit card are all people who have no personal credit record in the bank, but no record does not mean a good record. Banks can't know your past credit situation, and naturally they can't judge your future credit situation. Therefore, for those who have no credit history, banks should conduct more rigorous audits like those who are overdue. Some people may not have your high income, high academic qualifications and good conditions, but banks are more willing to approve cards if they have a good record of using them. However, not everyone is born with a bank credit card. Everyone must apply for the first credit card in his life. When everyone has a white household, how can a white household apply for a credit card?

First, it is more difficult to apply for the first credit card of the four major state-owned banks from small and medium-sized joint-stock banks, and the joint-stock banks are much gentler. The first credit card in life might as well start here.

Second, try to find your own salary card or a bank with large deposits, wealth management products and other assets. Because there are deposits or wages flowing in this bank, then the bank knows something about your assets and income, and will add points when approving cards.

Third, don't apply for too many credit cards at the same time. Some users will apply for credit cards from several banks online because they are in a hurry to get a card. This will adversely affect the application for a credit card, because the bank will see his application in the credit information, which will easily make the bank doubt the real purpose of the user to apply for a card and will affect the application result.

Fourth, we should start with Puka. Many people like to apply for a gold or platinum card when applying for a credit card, but for most banks, people who apply for a credit card for the first time, even if their income is high, will generally not be awarded a gold card. You must use a regular card for a certain period of time before the bank will upgrade your credit card according to your card usage.

Finally, I suggest that you don't blindly follow suit when applying for a credit card. Bian Xiao believes that as a white household, you can successfully apply for the first credit card in your life and bid farewell to your white household trip.

How to handle a white credit card account?

1, handle the secondary card. If you are a student party and want to apply for a credit card, and you are a white household, in order to avoid the situation that the bank will not approve the card because you can't know your personal credit, you can choose to apply for a supplementary card, just like if your parents have a credit card, it is very easy to apply for a supplementary card.

2. Apply for a credit card online. If white households want to apply for a credit card, they can choose to apply for a credit card online, because the threshold for applying for a credit card online is lower than going to the bank counter, and the conditions will be simpler. However, the amount of online credit card application is generally lower than that of bank counters, but as long as you apply for a credit card, you can gradually increase the amount through subsequent card use.

3. Prepare sufficient proof of assets and financial resources. When approving the card, the bank not only values the applicant's personal credit, but also attaches great importance to his assets and financial resources. Therefore, if you have the conditions, you can prepare as many relevant assets and financial information as possible to prove your financial ability, which will make it easier to apply for a card.

4. Choose the appropriate bank and card type. If a white household applies for a credit card, it is best to find a commercial bank to apply, because the application threshold of commercial banks is lower than that of state-owned banks. For office workers, the company will generally let you apply for a salary card. You can apply for a credit card at the bank where the salary card belongs, so it will be easier to get a card with a running salary record.

Brief introduction of credit card company;

1. China unionpay is a joint-stock financial service institution jointly established by more than 80 domestic financial institutions with the approval of the people's bank of China, with a registered capital of165 million yuan. The company was established on March 26th, 2002, and its headquarters is located in Shanghai.

China UnionPay has subsidiaries such as UnionPay Business and UnionPay Online. The main business of UnionPay business is offline POS acquiring business, and UnionPay Online mainly provides online acquiring and settlement services for online enterprises such as Internet or e-commerce.

In Hong Kong, credit card holders usually receive monthly statements every month. If credit card holders use their credit cards for spending in this month, they need to pay the minimum repayment amount on the monthly statement before the final payment deadline on the monthly statement. Otherwise, the card issuing company has the right to collect interest and administrative fees, or hire a debt collection company/credit center to collect money. In Chinese mainland, there are corresponding consulting companies for credit card repayment, which can provide certain repayment strategies for cardholders, so that cardholders can get more intimate financial services by using credit cards.

How do white households handle credit cards quickly?

White families want to apply for a credit card quickly. It is not difficult to say simple or not. In addition to meeting the basic conditions for card processing, they must also master some skills for real-time card processing, such as how to choose a credit card, through what channels, and how to fill out an application form. Let me introduce it to you.

As we all know, white households have never handled banking-related business, so their credit records are blank. Therefore, the process of applying for a credit card is rarely smooth, let alone getting a card quickly. This is really a bit difficult. However, if people have difficulties, they must overcome them. Mastering the following skills will help to improve the pass rate of card handling.

First, choose the appropriate credit card level.

The credit card limit varies according to the level. Applicants must first choose the correct credit card level. The general credit card limit is 3000-8000 yuan for ordinary cards, 8000-50000 yuan for gold cards and more than 50000 yuan for platinum cards, but the specific situation depends on the financial certificate and personal credit status you provide. Therefore, if you want to apply for a large credit card, you must choose the appropriate credit card level.

I suggest you apply for a credit card with a gold card or above. Friends who are going to apply for platinum credit cards should pay attention. The annual fee for platinum cards is generally high, and the annual fee will be charged regardless of whether the card is opened or not. It is suggested that you can apply for a "Little Platinum" credit card first, and you can generally enjoy the policy of exempting annual fees or exchanging points for annual fees.

Second, choose a safe channel for card processing.

You can apply for a credit card online, or at the counter or the booth in front of the supermarket. Relatively speaking, online card processing is faster. If you want a higher quota, it is easier to apply at the counter. The more detailed the information when submitting an application, the better.

Third, prepare sufficient proof materials.

Many white households only fill in an application form, which is not fast enough to get off the card. Even if you meet the conditions for issuing a card, the bank can't judge whether the applicant meets the conditions for issuing a card just by a credit card application form.

Therefore, it is best for the applicant to provide authentic and weighty proof of repayment ability, such as salary flow, work certificate, labor contract, deposit certificate, real estate license, vehicle driving license, etc.

The more information provided, the faster the card issuance will be, which will definitely help to apply for a high-value credit card.

Fourth, fill in the application form carefully and truthfully.

I understand that when filling out the credit card application form, there are several important contents that will affect the bank's rating on you. The higher the rating, the higher the approved amount.

1 Marital status: Married people score higher than unmarried people, because banks will think that people with families are more stable.

Education: Higher education will add points, at least bachelor degree or above.

Occupation and industry category: institutions, state-owned enterprises, top 500 enterprises and well-known enterprises are the best.

Annual income of four people: the more the better, don't exaggerate.

5. Current working hours: at least 1 year, the longer the better.

Housing situation: If you own a house, it means that you have good financial strength and no burden.

Finally, remind white households not to blindly trust the agency because of the pursuit of high credit cards. You can easily apply for a credit card with a large sum of money from the other party. And maintaining good personal credit is also the key. It is also one of the factors that will affect the credit limit to maintain timely and full repayment during the card use period and avoid overdue.

This is the end of the introduction of how credit users handle credit cards and how credit users handle credit cards. I wonder if you have found the information you need?