Nowadays, many banks may have activities to recommend credit card applications. If the recommendation is successful, the recommender may receive some small gifts and discounts from the bank. So, what are the benefits of being recommended to apply for a credit card? Will the recommended person's chance of successful application or application amount increase? The editor below will explain it to you.

1. Credit card application recommended by relatives and friends

Credit card application activities recommended by relatives and friends are often one of the ways for banks to promote their business. Take the credit card recommendation service of China Merchants Bank as an example. On the official website of China Merchants Bank, select "Credit Card" in the main menu bar, and select "Credit Card Online Application" in the submenu bar of the credit card that appears. We will see at the top of the page When you see "Recommend friends and relatives to apply for a card", click to enter. On the page where you are recommended to apply for a card, fill in the identity information of the recommended person (relatives and friends) in the upper part, and fill in the name and ID number of the recommender in the lower part.

When we apply for a credit card from China Merchants Bank through the recommendation of relatives and friends, the recommended person will receive an official text message from China Merchants Bank. Attention, the recommended person should ensure that his or her mobile phone is switched on. When the bank staff contacts the recommended person and comes to apply for a card, be sure to ask clearly about the details of your credit card, such as credit limit, credit card type, how the annual fee is calculated, billing date, etc. If the card that the bank helps you apply for cannot meet your needs, the recommender can politely refuse it.

2. Benefits of recommending a credit card

For recommenders, recommending relatives and friends to apply for a credit card can get some discounts from the bank. It depends on the bank, and some may give you points. , some send signed bills, and others may send small gifts.

For the recommended person, getting a recommendation from relatives and friends may speed up the application process, but whether the application can be successful is still determined by the completeness of the applicant's information and credit status. Similarly, the credit limit It is also determined based on the information submitted by the applicant and cannot be estimated in advance.

3. Choose the right recommender

Nowadays, more and more people are applying for credit cards. Many friends find it increasingly difficult to apply for a card. Sometimes, the credit status of the recommended person , when the application conditions are the same, it is very important to choose the right recommender, which can not only increase the success rate of applying for a card, but also increase the limit of applying for a card.

A good recommender should have the following conditions: first, good personal credit, no overdue, no bad records, etc.; second, high credit limit, preferably no less than 30,000; third, The card usage period is long, preferably no less than 2 years; fourth, the card is used frequently and is a loyal and active customer of the bank.

The bank's recommended card application activities generally involve door-to-door service by salesmen. The recommended person may wish to choose a salesperson to go to the unit to handle the application. This will not only help the applicant fill out the application form correctly, but also show off his or her work. The strength of the company you work for increases the success rate of card placement.

Finally, the editor reminds everyone that if you are recommended to apply for a card, you must choose a formal card application channel and do not easily hand over your personal information to unfamiliar people to avoid leaking personal information or even being used to apply for a card. Overdraft will cause unnecessary losses to yourself.