Although the credit card penetration rate of Bank of Communications is not as high as that of the four major banks, the threshold for applying for a card is lower than that of the four major banks. Many novice small white households apply for credit cards for the first time, and most of them choose Bank of Communications. As long as your credit information is good, the chances of getting a card are very high, so today Xiao Qin will share with you the special skills of applying for a bank of communications credit card, and interested friends will continue to read!

First, good credit information

Good credit investigation is the most basic condition. If your credit information is overdue within 2 years, or there are too many inquiries within 3 months, don't apply blindly, pay attention to banks, optimize personal credit information, and use the specialty of "3 N's in foreign currency for credit information" to cover up your bad records. Card friends who want to know more can consult Qin Xiao WeChat.

Second, the application channel

It is best to apply online for the Bank of Communications credit card, that is, apply directly at the Bank of Communications APP or the Transaction Pass APP. At present, the application threshold of Bank of Communications credit card is not high, so it is still easy to pass, as long as your credit information is not overdue in the past two years. After completing the application process, as long as it is not rejected by the second, and you receive a short message to remind you that there will be a return visit, it will be basically stable.

Third, pay the salary card.

You can apply for a credit card at Bank of Communications if you have punched out your salary for more than 3 months in a row. This is a natural worry. As long as there is no problem with credit reporting, the card issuance rate is very high, and the amount depends on the salary paid by punching. Therefore, there are card friends who punch in and pay wages, but they are not high. It is suggested to create a flow savings card at the same time to effectively settle interest overnight, which can greatly increase the amount of cards issued.

Four. Fill in the application form

As long as your "credit information" and "application form" meet the bank's system audit standards (that is, we often say the comprehensive score), you can easily get off the card. The details of filling in the application form are as follows:

1, education: write junior college below, and fill it in truthfully above;

2. Marital status: anyone over the age of 25 can write married, indicating stability;

3. Residential address: required, accurate to the house number;

4. Living condition: fill in the self-owned house without loan;

5. Company address: required; select the company address for card address;

6. Unit phone number: a landline is required, and there are extra points;

7. Unit nature: it is best not to: construction, real estate, light trade, finance, service. If these industry categories are inevitable, then when filling in the position, try to be "administrative, management and technical positions";

8. Contact: It is better to have our credit card. If not, be sure to fill in the good credit information of your family or friends;

9. Annual income: no more than 12w 12w; if more than 12w, truthfully fill in. Then, combined with the above-mentioned skills of creating "effective overnight interest settlement flow" of savings cards, matching the corresponding values, the effect of issuing cards in batches every second is excellent!

Verb (abbreviation of verb) card type recommendation

1, standard gold card

Generally, do not choose standard platinum for qualification identification, because the audit requirements are high and it is easy to be rejected; Don't choose the standard Puka either, because the qualification of Puka and Gold Card is the same. As long as you pay attention to it, the success rate and quota of the application will be good.

2.Y-POWER credit card

This card is specially launched by Bank of Communications for young people under the age of 30, so the qualification requirements for applicants are not high. Non-university students with stable income can apply as long as there is no serious stain on the applicant's personal credit information (if there is a bad record on the credit information, it is recommended to optimize it before applying, so that the pass rate will be much higher). The card is characterized by ultra-low cash withdrawal fee and ultra-high cash withdrawal amount, and can also participate in many activities such as the fifth day of the most popular period of Bank of Communications.

3.JD.COM Platinum Card

Although the card is a platinum card, it belongs to a small platinum card and a joint card, so the overall application threshold is not high. Moreover, from the feedback of small partners, the quota is not bad, belonging to the second batch, and the rights and interests are also very good, especially for new households.