First of all, personal credit records are tainted.
Personal credit information is the information that banks must verify when approving credit cards. If the personal credit is not good and the credit card is overdue, you must pay off the arrears immediately, and it is best not to apply again within one year or even two years. If there are serious overdue records, you must wait for the elimination of bad credit records. Generally, the central bank's credit information system will empty the data every five years, which means that it will take five years to get a card.
Second, the job is unstable and the income is not high.
With the increasing use of credit cards, some people who have no jobs or have poor jobs also want to apply for credit cards. If you are an ordinary waiter, freelancer or migrant worker, your income is not high and your job is unstable, how do you package and apply for a credit card? It's simple. You can choose your relatives and friends with good economic strength as guarantors, or you can let your relatives get a supplementary card to improve your comprehensive score in the bank.
Third, avoid "black intermediaries"
Many people are rejected by the bank after applying for a credit card, probably because they do not meet the approval conditions of the bank. If this is the case, don't choose an informal way to "package". Fraud is the most hated behavior of banks. Once discovered, it will discredit your credit, and even your personal information will be stolen by criminals, which will cause endless troubles.
Credit card packaging must choose a formal way to improve your application conditions and avoid bad information. Definitely not fraud. I hope everyone will keep a pure heart, handle cards regularly and standardize the use of cards.