Is it easy for institutions to apply for credit cards?

Is it easy to apply for a credit card with a business card?

Simple.

Business card is a kind of credit card (credit card) issued by banking financial institutions for employees of administrative institutions. It has overdraft function and is mainly used for official expenses. Therefore, if you hold a business card and use it as a card, it is easy for the bank to get the card.

The so-called official card refers to the credit card held by the staff of the financial budget unit, which is mainly used for daily official expenses and financial reimbursement. The scope of funds for business card consumption mainly includes travel expenses, conference expenses, entertainment expenses and sporadic purchase expenses. Business cards have the common attributes of credit consumption and other common attributes of ordinary bank cards, and also have the unique attributes of financial management. It can combine the relevant requirements of financial management with the unique advantages of bank cards, and it is a new financial management tool and means. At the same time, the official card has the basic attributes of a general bank card, and it is free of interest to withdraw cash.

Official cards can only be handled by people who are civil servants, and the pass rate is higher than that of ordinary credit cards. Business cards will not increase the credit limit of other banks' credit cards, but some banks will refer to them, so it will be easier to apply for credit cards with business cards.

Business card is not a bank card in the general sense, but a new financial management tool and means that combines the relevant norms of financial management with the settlement method of bank cards. Business cards have special management regulations different from ordinary bank cards in terms of card type selection, quota setting, organization bid, settlement reimbursement, payment and settlement information management, etc. Therefore, business cards belong to the category of financial management. These two attributes of the official card are inseparable, and it cannot be simply understood that the official card is a settlement tool instead of cash payment.

First, the difference between a business card and a credit card

The applicable conditions are different. The cardholder of the official card must be a staff member of the budget unit, and the identity of the prospective cardholder must be confirmed when handling the card. However, if it is an ordinary credit card, it refers to a bank card that the issuing bank will give the cardholder a certain credit limit, within which the cardholder can make daily consumption and repay when due.

Enjoy different services. The service of the official card includes free annual fee, free card replacement when it expires, free handling fee for depositing money in the local bank, and free SMS. Ordinary credit cards generally enjoy an interest-free repayment period of up to 56 days, and there is also a minimum repayment amount. If there is an overdraft, the cardholder can repay it in installments.

The usage scenarios are also different. The main usage scenarios of business cards are credit cards for daily business expenses and financial reimbursement. Ordinary credit card use scenarios are mainly life, shopping, entertainment and so on.

How to fill in the application form to apply for a large credit card?

A journey of a thousand miles begins with a single step. If you want to successfully apply for a high credit card, you must first fill out a form. A small table is the key to your success in getting a card and getting a high quota.

There is still a lot of personal information on the credit card application form, but marital status, home address, home phone number, work fixed phone number, annual salary, contacts, credit cards of other banks, etc. are closely related to the success rate of card handling. Simply put, this is how to fill in your own card information, which is faster and higher!

1. Company Nature: Banks like people with stable jobs. The more stable their jobs are, the stronger their repayment ability will be. Therefore, the approval rate of civil servants, staff of public institutions and staff of state-owned enterprises applying for credit cards is relatively high, and the amount is also very considerable.

2. Work phone number: required. If not, you can borrow it from a friend's shop and tell him in advance.

3. Marital status: Generally speaking, it is necessary to fill in the relevant information truthfully, but if you are not married in your thirties, you should also fill it out as appropriate when you apply for a card. After all, for banks, being too old to get married will make them feel that the applicant's situation is not very stable and the economic conditions are not good.

4. place of origin: it is best to have a local household registration. If there is no local household registration, fill it in according to the ID card.

5. Industry category: Never fill in the service, entertainment, investment and guarantee industries. In the eyes of banks, it is a high-risk group, and less than 50% of them can successfully pass the audit.

8. Working years: You can write a little longer, but don't exaggerate. For example, if you give a post-80s 15 years of working experience, people with discerning eyes are fooling.

9. Annual income: It is best to have a monthly salary of not less than 3,000 yuan, so the annual income is at least 30,000 yuan. If you fill it in too low, it is easy for the bank to think that your repayment ability is not good and it is easy to be rejected. But you can't exaggerate it too much. For example, if your annual income is 50,000 yuan, you can't fill in 6.5438+10,000 yuan.

10. Contact: Try to write about friends with stable jobs and high incomes, colleagues in the same company, etc. In short, they are a stable group that can make banks feel more at ease.

1 1. Receiving address: Try to choose the company address, and the home address score is low.

These factors can reveal the applicant's economic level, repayment ability and credit status to varying degrees. For banks, of course, banks like users with credit and money to pay back. Therefore, if you want to find a way to prove your repayment ability and economic level, there is another basic point: good credit, otherwise your repayment ability will not help.

How many days can a career planner get a credit card?

Approval can be completed within 3 to 7 working days.

If you are an employee of a public institution, you can apply for a credit card online, fill in the application materials, preparation work and income certificate truthfully, and generally apply for 3 to 7 working days to complete the examination and approval.

Can a public institution apply for a credit card without a work certificate?

No, you must have a work certificate to apply for a credit card.

Materials required to apply for a credit card:

1. Identity information: copy of resident ID card or military officer's card;

2. Proof of work and income;

3. Other financial certificates: such as a copy of the real estate license, a copy of the automobile driving license, a copy of the deposit certificate, etc.

Credit card processing conditions:

1. At least 18 years old and no more than 65 years old;

2. Need my second-generation ID card;

3. There is a work certificate and income certificate stamped with the financial chapter of the unit;

4. No bad credit record;

5. Other financial certificates, such as real estate, automobiles, stocks and bonds.

Credit card application process:

1. Fill in the application form;

2. The information of the bank itself and a copy of the information;

3. The bank sends it to the credit card center;

4. The credit card center conducts audit, business card printing and card issuance;

After getting the card, I opened the card and waited for the password letter.