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.

How to apply for a credit card for a white family

Many white households apply for cards for the first time and don't know how to handle them. In fact, for white households, the most important thing is to choose a credit card that suits them for the first time. After all, only what suits you is the best. So, how to choose a card? For the first time, I will teach you some card handling skills from three aspects: bank, card level and card type.

1, bank selection

When choosing a credit card issuing bank, we mainly consider these three points: one is the application threshold, the other is convenience, and the third is credit card discount.

For white households to apply for credit cards, it is recommended that commercial banks use credit cards, such as China Merchants Bank, Bank of Communications, Minsheng Bank and Industrial Bank.

In terms of convenience, it is recommended to apply for a bank with many outlets, such as a bank with outlets near the residence or unit, so it is very convenient to apply for card repayment.

In terms of preferential activities, banks such as Bank of Communications, Minsheng Bank, Industrial Bank and China Merchants Bank have many credit card preferential activities.

2. Card level selection

Credit cards issued by major banks are nothing more than ordinary cards, gold cards, platinum cards and above, which are divided into two categories: ordinary credit cards and high-end credit cards.

Ordinary credit cards include ordinary cards and gold cards. This kind of credit card application threshold is relatively low, and the quota and value-added services are average. The annual fee can be reduced or exempted according to the number of swipes, and the annual fee is not charged if it is not activated.

High-end credit cards refer to credit cards with platinum cards and above. These credit cards have high quotas and many value-added services, but the application threshold is high and the annual fee is expensive. Except for special cards, there is generally no preferential policy for annual fees.

White households who apply for a card for the first time can apply for a high-end credit card with strong economic strength as the backing. If not, they should honestly start with Pukashin.

3. Choice of credit card type

In addition to standard cards, credit cards issued by banks also include theme cards and co-branded cards. Different types of cards have different preferential activities and value-added services for different groups of people.

For example, supermarket co-branded cards have discounts when shopping in supermarkets; Air co-branded cards can accumulate air miles and redeem air tickets. The owner card can be used for free car washing and refueling. It is suggested that you choose the card type according to your actual needs.

As a reminder, after you know what kind of credit card you are suitable for, you should also choose formal channels to handle cards, such as bank outlets, official website, and third-party card-handling institutions authorized by banks.

What about the credit card (debit card) of the bank account?

White bank households can apply for credit cards (debit cards) through online or offline channels. However, because the application of credit card (debit card) by white households will be subject to stricter examination, users can choose to apply offline, and submit some additional financial proof when applying, which is helpful for the approval of credit card (debit card). Of course, if you apply for a credit card (debit card) online, there is a certain chance that it will be approved by the credit card (credit card).

In fact, although white-collar users do not have enough credit information for banks to refer to, it cannot be said that users have bad credit. Compared with users with poor credit, white-collar users have a certain chance of success in applying for credit cards (debit cards).

How do white families apply for credit cards?

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.

This is the end of the introduction about which bank is good for white households to run credit cards or white households to run credit cards. I wonder if you have found the information you need?