How to handle a credit card account

1. Handle a supplementary card. If you are a student party and want to apply for a credit card, and you are a white household, in order to avoid the situation that the bank will not approve the card because you can't know how your personal credit is, you can choose to apply for a supplementary card, just like if your parents have a credit card, it is very easy to apply for a supplementary card.

2. Apply for a credit card online. If white households want to apply for a credit card, they can choose to apply for a credit card online, because the threshold for applying for a credit card online is lower than that for going to the bank counter, and the conditions will be simpler. However, the amount of online credit card application is generally lower than that at the bank counter, but as long as you apply for a credit card, you can gradually increase the amount through subsequent card use.

3. Prepare sufficient financial proof of assets. When banks examine and approve cards, they attach great importance to the applicant's assets and financial resources in addition to his personal credit. Therefore, if conditions permit, you can prepare as many relevant assets and financial information as possible to prove your financial ability, so that it will be easier to apply for a card.

4. Select the appropriate bank and card type. If a white household applies for a credit card, it's best to find a commercial bank to apply for it, because the application threshold of a commercial bank is lower than that of a state-owned bank. For office workers, the company will generally let you apply for a salary card. You can apply for a credit card at the bank where your salary card belongs, so that it will be easier to apply for a card with a running salary record.

introduction of credit card company;

1. China UnionPay is a joint-stock financial service institution approved by the People's Bank of China and initiated by more than 8 domestic financial institutions with a registered capital of 1.65 billion yuan. The company was established on March 26th, 22, with its headquarters in Shanghai.

China unionpay has subsidiaries such as unionpay business and unionpay online. the main business of unionpay business is offline POS machine acquiring business, and unionpay online mainly provides online collection and settlement services for online enterprises such as internet or e-commerce.

2. In Hong Kong, credit card holders usually receive monthly statements. If credit card holders used their credit cards to spend money in that month, they need to pay the minimum repayment amount on the monthly statements before the final payment deadline on the monthly statements. Otherwise, the card issuing company has the right to add interest and administrative fees, or hire debt collection companies/credit information centers to collect money. In mainland China, there are corresponding consulting companies for credit card repayment, which can provide certain repayment strategies to cardholders, so that cardholders can use credit cards for more intimate financial services.

what about the credit card (debit card) for the bank account?

White bank households can apply for credit cards (debit cards) online or offline. However, because the application for credit cards (debit cards) by white bank households will be strictly examined, users can choose to apply offline, and submit some additional financial proof when applying, which will help to pass the credit card (debit card) examination and approval. Of course, if you apply for a credit card (debit card) online, there is also a certain chance that you will pass the credit card (credit card) approval.

In fact, although white-collar users don't have enough credit information for banks to refer to, they can't be said to have bad credit. Compared with users with bad credit, white-collar users have a certain chance of success in applying for credit cards (debit cards).

How do white households apply for credit cards

The methods for white households to apply for credit cards are as follows:

1. Go to the bank with the payroll card to apply for a credit card;

2. Provide more financial proof materials;

3. Maintain your good credit.

generally, as long as there is no bad record and a stable job and income, you can get a credit card.

In fact, white households can be divided into two categories: one is pure white households, which refers to the financial behavior of not applying for loans, credit cards or inquiring about credit records in banks or other financial institutions, and the personal credit information is blank; The other type is white households, which have records such as inactive credit card application and failed loan application. Generally, the records are separated by more than half a year.

When applying for a credit card, white households had better choose a general card first, which is the easiest to apply for. At the same time, try to choose commercial banks, which are in urgent need of expanding customers and generally have lower requirements than state-owned banks.

1. White households can get loans in the following five ways:

1. Running a bank

Because the personal credit history of white households is blank, it is not easy to get a bank loan. If you are in a hurry to get a loan, you can make rational use of the bank's running water to apply for a loan, such as making more of your income, which can improve your loan success rate. In addition, you can also choose the bank where your salary card is located to apply for a loan, so the success rate will be higher.

2. Applying for a credit card

The main reason why it is difficult for white households to apply for a bank loan is that their personal credit is blank, so if you are not in a hurry to get a loan, you can apply for a credit card first and cultivate your personal credit by swiping it, and it will be much easier to apply for a loan at the bank after half a year.

3. Collateral with assets

If you have sufficient assets, you can apply for a loan from the bank by using the assets in your own name, such as real estate and cars as collateral. With the mortgage as a guarantee, it will be easy to pass.

4. Find a third party to guarantee

If you can find a qualified and creditworthy third party to guarantee, you can also go to the bank to apply for a secured loan, which is also a way for white households to apply for a bank loan.

5. Appropriate loan amount and clear purpose

When a white household applies for a loan from a bank, be careful not to apply for a loan with too high amount, and the purpose of the loan should be clear, so that a reasonable purpose can increase the pass rate of the loan.

How do white households handle credit cards

White households have never applied for credit cards, nor have they applied for loans, and have handled other banking businesses. For banks, their personal credit records are almost blank, so generally speaking, the pass rate of applying for credit cards is very low, and it is easy to be rejected, or the amount of cards issued is very low. So how do you handle credit cards? How do people without credit records apply for credit cards?

first of all, you should pay attention to the following aspects. If you are accidentally rejected.

First, find out the reasons for being rejected

After applying for a credit card is rejected, the first thing for everyone to do is to find out the reasons for being rejected first. You can know this by consulting the customer service staff of the issuing bank. If the information is incomplete, insufficient materials are enough; If the credit status is not good, first raise the credit before applying for the card.

Second, provide the most comprehensive application materials

Many people's applications are rejected because of incomplete information. If they are submitted incompletely, their credit card applications may be rejected again. If you want to apply for a high-value and high-end card, you must show the proof of house, car and property. Supplementing these materials in time will help to get approval again. Third, don't apply too frequently. After applying for a credit card is rejected, remember not to apply too often and many times. The result of applying for multiple times in a short period of time is still the same. Reminder: It is best to apply again at regular intervals, and it is best to apply for more than half a year.

That's the end of the introduction about how white households handle credit cards and how white households handle higher credit card quotas. Did you find the information you need?