1. Make your own real-name mobile phone number (the mobile phone number and ID card must be the same person, the longer the mobile phone number is used, the better. It is best to reserve the same mobile phone number for multiple credit cards).

2. It is best for your current workplace and residential address to be more than 3 years old, that is, they do not change frequently. This is the basis for the bank to judge whether you have a stable job.

3. The place of work and residence should be in the same city, preferably within the urban area.

4. Email (the longer it is used, the better).

5. For academic qualifications, please fill in junior college. If you are not a junior college, please fill in junior college. If you are not a junior college, please fill in any information.

6. In terms of income, the annual income should be filled in above RMB 80,000; the general income is RMB 80,000 to RMB 300,000, which is evaluated based on the nature of the individual’s work unit, working years, and age.

7. Fill in your marital status truthfully.

8. Credit card applications should not be frequent. Do not apply for credit cards more than three times a month. No more than 6 times in half a year. If you want to apply for multiple credit cards, it is recommended to apply for multiple credit cards on the same day, because the credit report is T 1 updated. In this way, you will not be able to see other query records during approval.

Extended information:

Credit card application:

In most cases, citizens with full capacity for civil conduct and certain direct financial resources can apply to the card issuing bank for Apply for a credit card. Sometimes, legal persons can also be applicants.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature. [9]

Review

After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. For the applicant, the creditworthiness of the applicant must be assessed. For individuals, the relevant circumstances of the guarantor must also be reviewed.

Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand. The standards of each card-issuing bank are also different. Therefore, the same materials may be issued with different credit limits and different types of credit cards in different banks. Some banks may even approve the application, while others may reject it. .

Card Issuance

After the applicant successfully applies for a credit card, the card issuer will open a separate credit card account for the cardholder at the card-issuing bank for settlement after shopping, consumption and cash withdrawal.