To apply for a bank credit card (debit card), you need to meet several conditions: fixed job, stable income, good credit, and assets (house/car). For those who have a stable job, fixed income, and assets, applying for a credit card (debit card) is so simple; how can those with poor conditions apply for their first credit card (debit card)? ?

Several common situations:

(1) Three no-employees and white households

(2) White households with fixed income

(3) Persons without a job hold a credit card (debit card)

(4) Those with a fixed job and a fixed income hold a credit card (credit card) (lower limit)

(5) Car or house

(6) Overdue or illegal account

We can imagine the bank as ourselves. If people in the above 6 situations borrow money from you, you will be more willing to borrow money from you. Who can it be easily lent to? Does this allow us to intuitively understand what kind of people the bank likes?

Analyze the above situations and how to apply for a card with a higher success rate

(1) Three people with no personnel and no household name

We all know that the first thing in life is It is the most difficult to get a card, and the limit is also very low. My first card was from a merchant, and I graduated with 60,000 yuan in one year. "From now on I will reach the peak of my life, haha, just kidding";

Apply Anyone who has applied for a credit card (credit card) knows how difficult it is for people with three no’s to apply for a credit card (debit card). For those who don’t know how to apply for a card, it is really difficult for them; The solution must be work.

After solving the work, choosing the right bank, it is not difficult to apply for a white account card; for applying for a white account card, we recommend Bank of Communications-China Merchants Bank-CITIC Bank-Industrial and Commercial Bank of China

Bank of Communications issued A well-known bank with the fastest review and the easiest way to apply for a card. The best choice for applying for a white account. Work certificate, business card, official work ID, and full-time education from college or above. Find a salesperson to easily apply for your first card in your life. Remember not to Do not apply online, the pass rate is not high!

How to apply for China Merchants Bank; find a friend who has a China Merchants Credit Card (debit card) and recommend the card application. After the recommendation, the salesperson will call in advance to make an appointment to come to the door and ask about the basic information - company - industry ( Just answer according to the information provided by your friend), friends only need to wait in the company for the salesperson to come to handle the application. Remember that the company must have a company logo salesperson who needs to take pictures;

CITIC Bank application method - online application , directly enter the CITIC Credit Card (debit card) center to fill in the application form; if you have a JD White Note, it is best to find the CITIC Little White Card in the JD app. After the card is approved, go to the nearest CITIC branch with your ID card to confirm the interview and fill in the application form You must keep the information in mind. If you can't answer the questions during the interview, I will give you a cool song. The interviewer can also adjust the quota. Tell him directly that the quota is too low and you don't have enough for regular shopping. Your success depends on your character.

For the JD.com app application process, download the JD.com Finance app and log in, then click on the homepage.

Ping An Bank has special preferential treatment for women. The clerk in the card center spreads this saying, women can live, which shows how high the approval rate of women's applications for Ping An is; for the preferred car owner card, the starting limit is 5,000 , the starting limit of the Gold Card is 3,000; the annual fee of 200 will be deducted upon opening the card and cannot be reduced or reduced. If you spend 30,000, the annual fee for the next year will be reduced.

Although the pass rate of ICBC is high, the application limit for white accounts is low, and if you don’t know how to maintain an ICBC card, ICBC is not the first choice. ICBC is a card worth playing with. Best to apply!

(2) White households with fixed working income; in this case, the application method is the same as above, the difference is that the pass rate and the quota are higher than the one in (1).

(3) Sanwu personnel hold a credit card (debit card)

Since you hold a credit card (debit card), the application method is much simpler. The work is as follows: To solve the situation (1), common banks in the market can use the credit card (credit card) you hold as a condition to apply for a credit card (credit card) from another bank. Although the application is simple, choosing a bank is very important. Every The review standards of each bank are also different; in addition to the above recommended application for the first card in life, the recommended order of card application is: Bank of Communications, China Merchants Bank, China Guangfa Bank, Guangzhou Bank, Agricultural Bank of China, Industrial and Commercial Bank of China, CITIC Bank, China Minsheng Bank, Shanghai Pudong Development Bank, Ping An Bank, Industrial Bank, China Bank Standard Chartered Bank Citibank Zheshang Bank HSBC.

(4) Fixed job, fixed income, low credit card (debit card) limit

I have met many friends like this who only spend a single amount and don’t know how to raise the limit. I made an error when choosing First and Second Bank. After using it for a year, I still had a limit of several thousand dollars. Thousands of dollars are dispensable for partners with a fixed income. They still have to pay back their consumption, so they are too lazy to use it. There are many solutions, you can try Just call the customer service number of the credit card (debit card) center and ask for a limit increase. If you are unable to raise the limit, you can consider a new bank such as China Merchants Bank, Guangzhou Bank, Guangfa Bank, which is a better bank for raising the limit. Diversify your consumption, and never give cash where you can swipe cards. WeChat , Alipay cannot be bound to a credit card (credit card) for consumption (the card maintenance method will be explained in detail in the advanced power). For the card application process, please refer to (3).

(5) Car or house

It is easier to apply for a car or house card and the limit is relatively high. If the car price is 300,000 or the house is more than 120 square meters, you can apply for the platinum level. For this type of card, the minimum credit limit is RMB 50,000; if the car price is less than RMB 300,000, apply for a general-level card. Gold card and small platinum card are both good choices. Recommended banks: Minsheng Bank, Industrial and Commercial Bank of China, China Merchants Bank, Agricultural Bank of China

(6) Overdue or black accounts

If you have been overdue within 2 years and the overdue amount is less than 1,000 yuan and have paid off the debt, you can apply for a card as normal; overdue If the amount exceeds 1,000 yuan and the debt has been paid off, the success rate of applying for a credit card (debit card) will not be very high. Choose a bank that is easier to pass and try. If the application fails, stop applying. Keep using the card well for 2 years. I will run the application in the future; if a black account applies for a credit card (debit card) loan, there is no need to consider it. It is basically out of the question. If you still have an unblocked credit card (debit card) and continue to use the card well, after 5 years, the levy The letter will be automatically covered before you apply again!

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