At present, it is a faster way to apply for a credit card online, but the key point is whether your qualification can pass the application.
Credit card application requires certain qualifications, which can be considered from the following points:
Age:
At present, most banks apply for credit cards at the age of 18~60, and the personal experience pass rate is between 2 1 ~ 45. Because the current national situation in China is that 18 years old should be the age of heavy snow under normal circumstances, and students have no income, so the pass rate of 18 years old is relatively low (the number of college students is low); Similarly, 60 years old is already the retirement age, and the income is not fixed, which will also reduce the pass rate.
Stable income
The difference in professional nature will also have a great impact on the application of credit cards. High-quality industries will be preferred by banks, and the same high-risk industries will be prohibited from applying. For example, high-quality industries include: public officials, doctors, teachers, state-owned enterprises, institutions, listed companies and so on. And high-risk industries, including mining, aerial work, dangerous chemicals and other industries, are prohibited from applying, so it is also very important to apply for a credit card for a job.
Good credit
Honesty is the foundation, without which nothing can be said, so if you want to run a credit card, you must maintain good credit.
Good credit record: timely repayment, full repayment, no cash withdrawal and no minimum repayment amount all belong to good credit.
Reasonable liability: The so-called reasonable liability refers to income ≥ expenditure. If your income is less than your expenditure, it means that the machine has no basic repayment ability, which will reduce the pass rate and even refuse the visa.
Clean credit reporting: rational consumption, keeping credit reporting clean and tidy, avoiding unnecessary loans as far as possible, not applying for credit cards frequently or excessively, and keeping credit reporting clean and tidy will also improve the application pass rate.
Provide corresponding assets.
Banks are also very realistic, and it is normal to care about the poor and love the rich, so if there are enough assets to provide relevant certificates, it will be easier to pass the examination and approval.
What about pure white households?
There is always a first time for everything, so what about a bad friend without a credit history?
My personal suggestion is that you can choose according to your actual situation, such as:
If you have a high degree of education, you can consider Bank of Communications credit card first, because Bank of Communications pays more attention to education, and this kind of customer Bank of Communications is definitely the first choice.
No car, no house, no assets. What if you choose?
You can choose a bank with more banking business or running water. For example, if the salary card belongs to ICBC, the pass rate of applying for ICBC credit card will be higher, which can also improve the pass rate.
Summary: Credit card application depends on a person's comprehensive situation, including many factors, so you must apply according to your own situation, and remember not to be blind.
I am glad to answer this question for you on a hot summer day. Let's walk into this problem together, and now let's discuss it together.
I don't think white borrowers have any consumer credit records, and banks can't evaluate the applicant's credit situation. Therefore, they can only decide whether to grant the applicant a card and the height of the credit card according to the various incomes and assets provided by the applicant.
I would like to share my personal views and thoughts with you on this issue. I hope my sharing is helpful to you and you will like my sharing.
First of all, I think that to choose a bank that suits you, you must first determine which bank you want to apply for a credit card. Every bank has different preferences. For example, if you have a degree, you can handle transportation, Pudong development and attract investment. If you have proof of income, women can apply for CITIC, Guangfa, China Everbright and Minsheng Bank, car owners can apply for CCB, Ping 'an and Nothing, as well as Minsheng, China Merchants and Shanghai Pudong Development Bank. Anyway, I want to get my first card. With the first card, it will be much easier for other banks to handle it later.
Secondly, choose the card that suits you. It's the first time to apply for a card, and it's basically a Puka. This has nothing to do with freedom. How much is the annual fee free, and then the choice of card type, business card, owner card, network card, or joint card. It is also important to choose according to your own needs. Choose the card type and fill in the prepared information carefully. Online application for approval is relatively fast, and the quota will be issued after completion, and the results will be issued within three days.
Finally, the network is relatively developed now, and banks in official website have windows to apply for credit cards. In addition, in order to promote their credit cards, major banks also cooperate with some commonly used apps, such as WeChat and Alipay, which all have channels to apply for credit cards. But also convenient and quick, you can fill in the information and submit it on your mobile phone anytime and anywhere.
The answers to this question shared above are all personal opinions and suggestions. I hope the answer to this question I shared can help everyone.
Meanwhile, I hope you like my sharing. If you have a better answer to this question, please share your comments and discuss this topic together.
Finally, here I am. I wish you all a happy life, good health, a prosperous family and everything, a big fortune every year and a prosperous business. Thank you!
If you want to apply for a credit card quickly, you should do the following:
First, we should be prepared for our own conditions. First, make sure that your credit information is good, and then prepare the basic materials needed to apply for a card: ID card, mobile phone number, work certificate, income certificate, asset certificate, education certificate, fixed telephone number, social security, etc. These are all things that need to be prepared to do things that do not have these conditions.
Second, choose a bank that suits you, and first determine the credit card of the bank you want to run. Every bank has different preferences. For example, if you have a degree, you can handle transportation, Pudong development and attract investment. If you have proof of income, women can apply for CITIC, Guangfa, China Everbright and Minsheng Bank, car owners can apply for CCB, Ping 'an and Nothing, as well as Minsheng, China Merchants and Shanghai Pudong Development Bank. Anyway, I want to get my first card. With the first card, it will be much easier for other banks to handle it later.
The third is to choose a good channel. Credit card processing channels are divided into online and offline. Offline processing is mainly done at the outlet counter, together with the offline card clerk. The advantage of these methods is that you can submit proof of assets, and you can make suggestions together on your own car production, real estate, proof of assets, time to apply for a card, which is conducive to getting a card. There are many ways to apply online. Bank official channels, websites, mobile banking, WeChat official account, Alipay and cooperative third-party platforms, such as customers who shop more in JD.COM, can choose to apply for JD.COM Xiaobai cards of various banks, China Everbright, Minsheng, CITIC, China Merchants, Huaxia and Communications.
Fourth, choose the card that suits you. It's the first time to apply for a card, and it's basically a Puka. This has nothing to do with freedom. It is the number of times that the annual fee is exempted, and then the choice of card type, business card, owner card, online purchase card, or joint card. It is also important to choose according to your own needs. Choose the card type and fill in the prepared information carefully. Online application for approval is relatively fast, and the quota will be issued after completion, and the results will be issued within three days.
Fifth, get the card, dress neatly, and go to the bank outlet to activate the credit card. The counter will definitely ask you a few questions. Take it easy. You must answer the question naturally. As long as there are no big mistakes in the interview, the basic card is available and can be used normally.
After this process, you can quickly apply for the first card of a successful life. After the card is activated, it must be used reasonably and cherish personal credit. This card is easy to use, and it is easy to apply for another bank credit card.
Teach you a few tricks, and Baihu successfully applied for a credit card!
There are such people in families with difficulties in getting a card. They may have a stable job and a good income, but they have no credit history because they have never used any credit products before. These people are called "pure white households".
How to apply for a credit card?
Take JOY Credit Card of China Construction Bank as an example.
1. The basic requirements of the main card applicants are China citizens (including Hong Kong, Macao and Taiwan) and foreign citizens with full civil capacity between 18-70 years old, and the supplementary card applicants must be at least 13 years old.
2. Providing my work certificate, income certificate, real estate certificate, automobile production certificate, financial assets certificate and other supporting materials will help the application to be processed as soon as possible.
3. Gold card, silver card and ordinary card spend and withdraw money 3 times a year (unlimited amount), titanium platinum credit card 6 times (unlimited amount) and standard platinum credit card 65,438+00 times (unlimited amount), and the annual fee for that year is exempted.
Those who do not meet the requirements will be charged an annual fee in the next year. If the application for account cancellation does not meet the conditions of annual fee exemption, the annual card fee shall be paid before the account is settled. Enjoy the annual fee of Platinum Card 1800 yuan/Card/Year, and the annual fee of Supplementary Card 1200 yuan/Card/Year.
Extended data:
CCB credit card application conditions are as follows:
1. CCB credit card applicants must be between 18 and 70 years old, with full capacity for civil conduct, stable occupation and income, good credit status and the ability to repay on time. Foreigners and compatriots from Hong Kong, Macao and Taiwan who have a fixed occupation and residence in China can apply for Longka (dual currency) credit card.
2. The applicant must work in the local issuing bank of CCB, and have served for six months or accumulated for one year; And the annual income reaches the standard set by the local branch, which can be calculated according to the monthly salary of thirteen months. If the applicant has a certain social status or the annual income reaches 5 times of the per capita annual income in the area under the jurisdiction of the issuing bank and has a good credit standing, a gold card may be issued upon the application of the applicant or with my consent.
China Construction Bank-China Construction Bank Longka Credit Card Collection Agreement
How to apply for a credit card?
The credit card processing method is as follows:
1. Prepare materials. When you go to the bank to apply for a credit card, you must first prepare the corresponding processing materials, which generally include the original ID card, work certificate, income certificate, etc.
2. Go to the bank to get the number. After you prepare the information, you need to choose a favorite bank outlet and go to the bank self-service number machine to get the number during working hours, ready to handle the business.
3. Fill in the card processing information. Generally, you can ask the bank lobby manager how to fill in the information after taking the number, and fill in the information according to the tips of the staff and the template provided by the bank. The required information is accurate and cannot be erased.
4. Submit information. Fill in the corresponding information and wait for the phone call from the bank counter. After getting the number, go to the counter to submit the information needed to apply for the card and wait for the bank to review it.
5. Anti-audit. After receiving your audit data, the counter staff will review the data according to the corresponding regulations of the bank to see if it meets the conditions for handling credit cards. If there is, it has passed the audit. If you can't do it, it will tell you why.
6. Hairpins are activated. If the bank has issued a card, the bank counter staff will send it to you in time and help you activate it. Since then, your credit card has been successfully processed.
Extended information:
First, the advantages and disadvantages of doing a credit card:
(a) Benefits of credit cards:
1. If there is no deposit for overdraft consumption, you can enjoy an interest-free period of 20 to 56 days.
When shopping, you will get points as a gift.
3. Special merchants who hold cards in banks can enjoy preferential treatment.
4. Accumulate personal credit, and credit records can be added to credit files.
5. You can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo.
6. Some credit cards accept existing points.
7. Mail the statement free of charge every month.
8. Accessory card function, you can manage your finances together, and you can also master your child's financial expenses.
9. In the form of one card and two coins, you can repay in domestic RMB when you spend abroad.
10, 24-hour service hotline, loss reporting takes effect immediately.
1 1. Cooperate with third-party platforms to provide preferential services for cardholders.
(2) Disadvantages of credit cards:
1. Credit cards can easily lead to excessive consumption.
2. The annual interest rate of credit card is relatively high.
3. Credit card debt will bring mental stress.
4. If the credit is bad, the cost of borrowing money will be higher, or even you can't borrow money.
How to apply for a credit card
1. Prepare materials in advance: users should first go to the issuing bank's business outlets and bring personal identification documents and other materials;
2. Apply for card opening: at the bank counter, indicate to the staff that you want to apply for a credit card, inquire about the type and grade of credit card that you like and are suitable for, and then explicitly apply for a credit card from the bank staff;
3. Qualification certificate approval: the bank will approve the applicant's qualification. The examination and approval work mainly focuses on the applicant's personal credit and repayment ability. After comprehensive evaluation, the bank decides whether to open a card for the applicant.
4. Card Issuance: After approval, the bank will issue a corresponding notice to inform the user of the expected credit card issuance time. After the applicant gets the card, the card can be used.
Methods to improve the pass rate of credit card application
1, provide all-round application materials: in the case of applying for a credit card, in addition to the basic personal income certificate, such as housing, car, shares and other funds should be provided as much as possible;
2. Choose the right way to apply for a credit card: there are many channels to apply for a credit card, such as online application, bank branch application and liquidity branch application. Don't apply online at ordinary times, because without the specific guidance of the staff, it is easy to cause incomplete material entry and the bank can't approve the card. If a bank branch applies, there will be professional guidance. There is a greater chance of getting rid of the card.
No matter which bank we apply for a credit card, we need to meet the credit card application conditions if we want to apply successfully. Generally speaking, different banks and different card types have slightly different credit card processing conditions, but if users want to apply for a credit card, no matter which bank, they need to meet the following basic processing conditions:
1, the age of the credit card applicant should be between 18-60 years old and be a legal citizen with full civil capacity in China;
2. The credit status of the credit card applicant shall be good, and there shall be no record of serious overdue repayment;
Credit card applicants should have a stable economic income. Generally, users who meet the above conditions can apply for a credit card at the bank. However, if users want to apply for credit cards such as gold cards and special cards, they need to meet the special regulations of the bank. For example, if they want to apply for a gold card, their income must reach a certain amount before they can apply. Specific circumstances, users can directly ask the handling bank.
How to apply for a credit card
You can apply for a credit card through bank official website, app, etc. Or at the bank counter. After the credit card is successfully processed, you need to open a card at a local outlet to use it. To apply for a credit card, you must be at least 18 years old, have full capacity for civil conduct, have a proper job and a stable income, and provide corresponding evidence to the bank to prove that it has the ability to repay the arrears. In addition, the applicant must have good personal credit and no bad credit record.
On April 5, 20 16, the central bank issued the Notice of the People's Bank of China on Matters Related to Credit Card Business, canceling the late payment fee for credit cards, introducing liquidated damages, and prohibiting the collection of over-limit fees. At the same time, the credit card overdraft interest rate, interest-free repayment period and minimum repayment amount were adjusted accordingly. The amount of+++has also increased from 2000 yuan per card per day to 1 000 yuan. The new regulations will take effect on 2065438+65438+ 10/day, 2007.
Cancel the late payment fee and introduce the liquidated damages;
The "Notice" cancels the late payment fee, and the card issuer and the cardholder agree on liquidated damages; Cancel the over-limit fee and stipulate that the card issuer shall not charge interest on the service fee.
You can customize the credit card overdraft interest rate:
Credit card overdraft interest rate is subject to upper and lower limit management. The upper limit of overdraft interest rate is five ten thousandths of the daily interest rate, and the lower limit of overdraft interest rate is lowered by 30% on the basis of five ten thousandths of the daily interest rate. The calculation method of credit card overdraft interest, whether to calculate and pay interest on credit card overpayment and its interest rate standard shall be determined by the card issuer independently.
Interest-free repayment period and minimum repayment amount:
The Notice cancels the existing provisions on the maximum term, minimum repayment amount and additional conditions of interest-free repayment period for overdraft consumption, which are determined by the card issuer independently according to commercial principles and the needs of cardholders.
The withdrawal amount is increased from 2000 yuan to 1 000 yuan;
The Notice optimizes the management mechanism of credit card cash advance business, and clearly stipulates the types of cash advance business such as cash withdrawal, cash transfer and cash recharge. The daily cumulative limit for cardholders to withdraw cash in advance through ATM is increased from 2,000 yuan to 654.38 yuan+0,000 yuan. Allow cash transfer and recharge to my bank settlement account and payment account.
In July of 20 18, Wechat announced that from August of 20 18, 1 year, a fee of 0. 1% of the repayment amount will be charged for each WeChat credit card repayment.
2065438+February 2, 20091day, Alipay also announced that from March 26, service fees will be charged for credit card repayment through Alipay. At the same time, Alipay provides a free quota of 2,000 yuan per person per month, and the service fee is charged at 0. 1% for the excess.
How can I apply for a credit card?
Three channels of credit card application
1. Contact the bank, and the bank card clerk will handle it.
2. Online application is not as high as the card post.
First of all, if you can fill in the effective contact information, and the two most critical telephones, personal telephone and company telephone, can be connected to customer service telephone in time, the approval rate is still quite high.
In addition, it is the industry that the customer is engaged in, which also has a great influence on the bank's card approval. For some high-risk occupations, the card handling rate is not very high, such as taxi drivers, Spider-Man, bank escorts and so on! If it is an engineer, a non-government employee or a state-owned enterprise employee, it is generally not allowed to apply for a card. In some areas, some industries are in recession or have been in recession, and local credit card leaders do not agree to pass the audit. For example, in recent years, the iron and steel industry, textile work and tea market are not very prosperous.
Therefore, it is suggested that you must consult which bank has a high approval rate for handling cards, relax your professional requirements, and then you may be able to approve cards soon. After applying for a bank credit card successfully, it will take some time to repay the loan on time normally, and then go to another bank if necessary. If you apply for multiple credit cards within a period of time, once one bank fails to pass the examination, it will definitely affect the examination and approval of other banks.
I don't think credit cards are expensive, just a few lines will do. If there is a demand for funds, all banks also have corresponding loan products to support them!
Tell you a little trick to apply for a credit card. It's best to apply for a credit card online, because the above standards are the national unified standards. If it is handled by a salesman, the regional leader should also review it before submitting it to the system!
I wish you a successful card as soon as possible. Thank you for your attention.
To apply for a credit card, you can apply on WeChat, Alipay, Bank Online Banking and Credit Card app, so that you can complete the application without leaving home, or you can apply at a bank outlet if it is convenient. First, WeChat application.
Open WeChat wallet, click on the bank card in the upper right corner, click on Apply for Credit Card below, and then fill in the information as required to apply for a credit card of Shanghai Pudong Development Bank. You can also click on WeChat wallet, click on the small print at the bottom of credit card repayment, select the credit card you want to apply for, and then fill in the information to apply.
Second, apply in Alipay.
Search for a credit card in Alipay, enter the life number for applying for a credit card, select the credit card to apply for, and then fill in the information to apply.
Third, apply in the online banking or bank credit card app of each bank.
Take the Bank of Communications credit card APP as an example, download the bill-paying APP, log in with your mobile phone number, click on the color card on the home page, select the credit card you want to apply for, and then fill in the information to apply.
Fourth, handle it at a bank outlet. It is recommended to apply online. Personally, I think online application is more likely than bank outlets, so you can apply without going out and ordering your mobile phone at home. It's simple and fast.
This concludes the introduction of how to handle a credit card and the skills of handling a credit card. I wonder if you found the information you need from it?