How to fill in the credit card application information
Many friends want to apply for a credit card to cope with consumption such as home visits to relatives, wedding gifts, dinner parties and entertainment, so what you need to pay attention to when applying for a credit card for the first time What? How to apply for a credit card quickly?
The credit card salesperson will hand you a card application. The following content needs to be filled in carefully. Online application also requires filling in relevant information.
1. Basic information
1. Marital status
Married with children, married without children, married without children, single. Just fill in the details accurately. If you are over 30 and unmarried, the bank will consider you unstable. It is recommended to prepare more asset certification documents (house/car/bank deposit) when applying for a card.
2. Residential phone number
The "residential telephone number" should be emphasized. Many applicants think that filling in the mobile phone number does not require filling in the residential telephone number. In fact, the bank's "residential telephone number" item mainly checks the stability of the applicant. So, don’t ignore this one.
3. Residential address
Whether you own or rent a house, you must fill in your residential address. Like the residential phone number, the bank is also testing your stability with this item.
4. Residential status
Owned residence, no loan, self-owned residence, loan, unit, apartment, renting, if you have not bought a house, you may wish to write down your hometown address.
Residence time is also a reference item. Generally, it is more stable if it is more than one year, and the longer the better.
2. Occupational information
1. Work address
Whether or not you have a work address can reflect whether you are working. Therefore, do not miss it when filling out the application form. .
2. Work phone number
Forgetting to fill in the work phone number is the reason why many people fail to apply for a card. The bank will call your workplace during the follow-up call to check the stability of your job.
3. Income
There is a lot of skill in filling in income. Fill it out truthfully and avoid making up random things. Of course, don’t forget to add social security, provident fund, welfare, and year-end bonus on top of the after-tax basis.
4. Length of service
The length of service directly shows the stability of your job, and it can also indirectly show the sustainability of your income. Some cardholders are very honest and directly fill in the 10/11 months of employment based on the actual situation. Here, you might as well fill in an estimated number, more than 1 year.
3. Contact information
1. Contacts
Contacts are divided into two categories: immediate family members and other contacts. Family members with stable addresses, stable jobs and Friends with high incomes, etc. In a word, it is the smartest way to fill in the stable group that the bank is assured of. It is not recommended to fill in friends and relatives who do not have a fixed job or whose income/residence is unstable.
4. Statement address
1. Work address
The billing address has two options: work address and residential address. Check the work address on the side. Show that you actually work for this company.
How to fill in the information unit/position/response when applying for a credit card
The skills of applying for a credit card have a great impact on the bank's card acceptance rate. If you master it well, it will be more effective. This ensures that the bank successfully approves the card; otherwise, it is easy for the card to be rejected. So, today I will teach you how to fill in the information when applying for a credit card.
When applying for a credit card, you need to fill in the application form. When filling in the information in the application form, you must ensure the completeness and authenticity of the information, so as to prevent the bank from discovering fraud during the return visit and directly reject the card. . However, the amount of information in the application form is relatively large, and it can be packaged in many places.
Try to fill in the income between 50,000-60,000 yuan, which can be the annual income before tax, plus various benefits;
Try to fill in the home address in a certain community, and it is best to be able to Accurate to the house number;
The household registration must be true, preferably married with children and owning a house;
Choose a company address for the credit card mailing address to prove your employment Stability;
The landline number of the work unit must be written down. If not, you can borrow help from relatives and friends. Of course, in order to cope with the return visit from the bank, you must communicate with the other party well.
How to respond to the bank’s credit reporting call?
Bank staff will only ask two or three simple questions, which can usually be answered in two minutes. Because they have to review hundreds of people every day, they will not ask for a long time.
Answer what you ask, don't add fuel to the fire, remember!
When answering questions, you should pay attention to your tone of voice, gentleness and courtesy, and moderate volume. The most important thing is that the computer will review it. Don’t worry!
How to fill in the information when applying for a credit card. Generally speaking, it is to show the bank that you have sufficient financial strength, corresponding spending power and repayment ability, but the cardholder cannot blindly exaggerate, the bank will Review of information.
How to fill out the credit card application form?
Home address
Applicants who have already purchased a house can directly fill in the address of the property under their name and attach a copy of the real estate certificate when submitting the information. Card applicants who do not have personal housing, such as those who rent a house, can fill in the home address of their hometown. If they stay for a long time, the bank will think that the address of the card applicant is very stable. For people like Beidiao, if you have local friends with good connections, you can fill in the friend's address if the friend allows it, and the check-in time can be Beidiao time, which can also show the residence stability of the applicant.
Marital status
Whether married or single, generally speaking, you can fill it in truthfully. But for older young people aged 28 or 29, you still need to think carefully when applying for a card. If you fill in the form of unmarried, the bank will consider that the status of the card applicant may not be very stable.
Residential phone number
Fill it in based on your home address, preferably a landline. Make sure your parents or friends’ parents (you need to say hello in advance) can receive it. Older people always give people a more secure feeling, and banks like that.
Workplace landline phone number
Failure to fill in this is the culprit that causes many card applicants to fail to apply for a card. The bank often chooses to call this number during return visits to confirm the card applicant’s job stability, which is directly related to the card applicant’s source of income.
Annual salary
It is directly related to the repayment ability. Many card applicants fill in the annual salary that is either too high or too low when applying for the card. In fact, the annual salary is directly related to the income certificate of the card applicant. , should be filled in according to the actual situation, but if the unit can issue an income certificate, it can also be increased appropriately to make the bank more assured. Be careful not to make anything up when filling in your annual salary. Firstly, the bank will have a relative reference value through social security, industry, position and other information. Secondly, once the bank discovers that the card applicant has forged information, the card application will basically not be successful. .
Contact person
You can choose to fill in the contact person: family members with stable addresses, friends with stable jobs and high incomes, colleagues in the same company, etc. In short, it can make the bank feel more at ease. stable group. It is not recommended to fill in friends who do not have a fixed job or whose income/residence is unstable.
Credit cards from other banks
Among the mainstream banks, only five major banks, Bank of China, Bank of Communications, China Guangfa Bank, Ping An Bank and Shanghai Pudong Development Bank, support card application. For cards from several banks, you can apply at the counter with a credit card from another bank that has been used for at least 3 months (different banks, such as Pudong Development Bank regulations: you can apply at the counter if you have held a credit card from another bank for more than 1 year). If the card is recorded Good, no overdue, and the card can be issued more quickly.
This ends the introduction on how to fill in the credit card application information and how to view the information filled in the credit card application. Have you found the information you need?