We often say that there are ten commercial banks: Communications, Trillion, China, CITIC, Pudong, Guangdong, Civilians and Starlight. In addition, some local banks, such as Shanghai Bank, are very good. Here is a direction we can cut in. Combined with past experience, the banks that are friendly to candidates with three employees are CITIC, Guangfa, China Everbright and Shanghai Pudong Development Bank. In addition, transportation and investment promotion are also good.
Start with the savings card. If we open a transfer account in a bank, such as a salary card savings card, it is better to have some running water, so it will be a good choice to start with this bank. This is not difficult to understand. From the bank's point of view, personal credit card approval and credit limit are the important basis for cardholders' credit rating, and it is easier to grasp risk control.
Unless you have a good grasp of the credit card approval process and lending time, it is best not to apply for too many credit cards at once. Some users will apply for credit cards from several banks online because they are in a hurry to get a card, which will easily have an adverse impact on their credit card applications, because all the data will be in the applicant's credit information system, and banks will wonder if you are short of money when they find this information, which will have an adverse impact on your personal score. However, this article is not necessarily true. Some experts have successfully applied for more than a dozen bank credit cards within one month after understanding the operating rules of banks. Of course, this is a special case, and the applicant's personal qualifications must be quite beautiful to achieve this effect.
Starting with the ordinary card, then swiping the card to raise the amount, and then upgrading the routine to do the card, is a course for most cardholders from Xiaobai to graduation. There are countless successful cases in this regard, and it is also the most mainstream road at present. The first step is to make more preparations and improve the pass rate of your card application step by step. The choice of banks and card types may start with banks that have done a lot of marketing. For example, when you open a webpage to search for a credit card, the webpage with the highest frequency appears. At present, there are China Merchants Bank, Ping An Bank and Guangfa Bank. Interested partners may wish to try to apply.
The magic card in the mouth of peach powder is not only easy to get rid of the card, but also accumulates quickly. The application threshold is low, you can basically have a fixed job and a stable income, and it is best to have Alipay flowers.
You can get multiple points by swiping your card online. General credit cards, online consumption unless it is a designated channel, otherwise you can't get points; CITIC Taobao Card, on the other hand, has a very rich points exchange system, and a large number of points are not wasted. According to your Taobao level, use Alipay to trade quickly, with the lowest 1 yuan =3 points, the highest 1 yuan =5 points, and the highest 1 yuan = 10 points on the day of the event; For offline transactions (such as pos card swiping), 1 yuan =2 points-this is also the reason why CITIC Taobao Card is known as the "artifact of saving points".
The first female credit card in China, the most classic is the female health insurance presented with the card. The threshold is low, and female applications have advantages. Basically, they can all have a fixed job and a stable income. It would be better if they had a car and a house in their name. Triple fast deposit points-cardholders can choose the merchant type of triple points according to their own consumption needs;
This owner's card launched by Guangfa Bank for car owners has special value-added services such as free road rescue and optional refueling concessions. Users can provide their own car driving license when handling Guangfa owner card, which can greatly improve the success rate of applying for credit card!
This card is specially designed for young people who have just entered the society. They are required to be under 30 years old and the application threshold is low. If you are a fresh graduate, you can submit a copy of graduation photo's certificate and work certificate at the time of application. In addition, it is also a cost-effective card. For example, the withdrawal amount is as high as 100%, and the first withdrawal every month is free, and you can also enjoy multiple benefits of watching movies and food with China Merchants Bank credit card.
If it is a deep takeaway user, it is a good choice to get a hungry credit card from Industrial Bank. If you apply through Hungry APP, you don't need to check your income certificate, and the threshold is low. If you are eager for good credit information, active users will be approved in a few seconds. In addition, there are many preferential activities.
As one of the traditional "five major banks", it is not easy for Bank of Communications to emerge a credit card suitable for the vast number of small white users. This credit card is called Y-Power, which is specially designed by Bank of Communications for young people in cities. In addition to the low application threshold, it also has many favorable cost performance. In fact, many banks have very good credit cards for young people, such as the most classic youth card of China Merchants Bank, Pufa Youth Card. Because the Young card of China Merchants Bank is so classic, many people recommend it, so I won't go into details here. Xiaobai's friends can also try to apply, and the pass rate will be high.
Little friends who are familiar with JD.COM Baitiao know the "Little White Card" more or less, that is, JD.COM Baitiao co-branded credit card. At present, JD Finance has cooperated with 10 banks to launch small white cards, most of which have low application threshold and different consumption preferences. If you often shop in JD.COM, especially when you open a white card business and buy 3C products, it is basically no problem to apply for this Minsheng White Card. If you have ever opened a debit card in Minsheng Bank, you can even get the second batch when you apply, which is worth starting with.
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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.
How do novices handle credit cards?
The choice of the first card is very important, because as Xiaobai, applying for a credit card for the first time, the bank doesn't have any information on your file, so you can't check your credit history and income, so the information submitted must be comprehensive and complete.
1. Ready
Identity information, contact information
Work unit information, residence information
2. How to deal with it
First of all, it is generally easier to apply for a credit card online, but usually the credit card amount online is not very high, such as between 2000 and 20000;
Going to a bank outlet to apply for a credit card generally requires less content than online application, but queuing takes time.
I suggest you log on to the credit card websites of major banks and use Baidu search function to determine the credit card that suits you (do your homework and look at the experience of people around you, and don't expect the bank staff to give you a good introduction).
To apply for a credit card online, it is easier to choose an ordinary card than a gold card. Gold cards are generally difficult to pass. Gold cards often need to submit proof of work at outlets, and it is easy to get off when applying for financial proof.
Considering the user experience, preferential activities and credit card issuance, I suggest you choose Bank of Communications.
Different cards have different functional orientations and different application difficulties. For example, the youth card of Bank of Communications, the youth card of China Merchants, the Ctrip travel card with brand cooperation and the Taobao card are all relatively easy to handle.
Fill in the form, accurately fill in the ID number and validity period; Company address and telephone number; Address and telephone number; Two phone calls are very important. It is best to fill in the contract, automatic repayment and mobile phone reminder service. Fill in the email accurately, and you will receive an electronic bill by regular mail.
3. Card amount
If you don't have strong financial resources for the first time, the amount is generally not high. Look at the best CCB credit card, the threshold is very low.
A credit card that white families must pass.
You can apply for the following credit cards:
1. Minsheng Bank: Take Minsheng Bank Credit Card Suggestion Network as an example, you can apply for Alipay Lifecode. Bank approval is based on credit information and big data, and the results can be produced in 5 minutes at the earliest. In addition to meeting the requirements of the basic card, the sesame score must be above 650, and the reserved mobile phone number must be certified by the real-name registration system and used in the real-name registration system for more than half a year. When choosing credit card types, women's credit cards and Minsheng cards can be considered. Remember, online application still needs to be signed in person to get the card.
2. CITIC Bank: CITIC Bank is also friendly to Xiaobai customers, especially the amount of card approval will be relatively high, and it is easy to approve cards for online applications. The premise is to have a stable job, work in the current unit for at least 3 months, and the income meets the conditions. If you have an account on other third-party platforms, such as JD.COM account, it will be easier to apply for CITIC Bank JD.COM Xiaobai Card. Other cards can choose CITIC Yanka and CITIC Witch Card.
3. Ping An Bank: White families with local Ping An Bank outlets can apply. They can apply online or offline. It is more popular to have a bank card with a college degree or above. If it is a Ping An auto insurance or life insurance customer, it is recommended to handle it offline through outlets, with a high approval rate. In the choice of card types, Ping An Owner Card is the standard configuration for car owners, and Ping An is the first choice for young people.
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1. Most credit cards issued by banks will charge an annual fee, but they can also be exempted by other means, generally by swiping their cards. But the exemption time stipulated by different banks is different. Different cards in the same bank are different. Most credit cards are free of annual fees in the first year of issuance. The annual fee for the second year can be reduced or exempted according to the number of swipes in the second year. For example, CITIC I Platinum Credit Card can be swiped 12 times a year (including cash withdrawal), and the annual fee for the following year can be exempted. If you don't know the annual fee policy of your credit card, you can call the bank.
Users should pay attention to the annual fee when applying for a credit card. Although most credit cards can be exempted according to the number of swipes, many high-end credit cards cannot be exempted. For example, most banks charge an annual fee for platinum cards or diamond cards during the issuance period. When you apply for a credit card online, you can see the annual fee of each card and the reduction and exemption policy of each card. Users can choose their own cards according to their own usage habits. When applying in official website, you must pay attention to the various rights and interests contained in the credit card.
It should be noted that the annual fee of credit card is not calculated according to the natural year. Most banks calculate the annual fee according to the time when the user activates the credit card. If you don't know the calculation cycle of your annual credit card fee, users can call for advice. The annual credit card fee is usually reflected in the credit card bill. Usually users pay more attention to it. Usually, if the number of swipes does not meet the requirements of the bank, the bank will charge an annual fee, but many banks allow supplementary swipes. The specific situation needs to consult the bank. Unused credit cards can be cancelled in time to prevent annual fees.
Let's introduce Xiao Bai's application for a credit card.