How to apply for a white credit card account

1. Apply for an additional card. If you are a student and want to apply for a credit card, and you have a white account, in order to avoid the bank not approving the card because it cannot know your personal credit, you can choose to apply for an additional card, like your parents If you have a credit card, it's easy to apply for an additional card.

2. Apply for a credit card online. If you want to apply for a credit card, you can choose to apply for a credit card online, because the threshold for applying for a credit card online is lower than applying at a bank counter, and the conditions are simpler. However, the limit for applying for a credit card online is generally lower than that for applying at the bank counter. But as long as you apply for a credit card, you can gradually increase the limit through subsequent use of the card.

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

4. Choose the appropriate bank and card type. If you are applying for a credit card, it is best to go to a commercial bank to apply for the card, because the application threshold of commercial banks is lower than that of state-owned banks. For office workers, the company will usually let you apply for a salary card. You can go to your Go to the bank where your salary card belongs to apply for a credit card. This way you will have salary records and it will be easier to apply for the card.

Introduction to the credit card company;

1. China UnionPay is a joint-stock financial service institution approved by the People's Bank of China and co-sponsored by more than 80 domestic financial institutions. Registered Capital is 1.65 billion yuan. The company was established on March 26, 2002 and is headquartered in Shanghai.

China UnionPay has subsidiaries such as UnionPay Business and UnionPay Online. UnionPay Business’s main business is offline POS machine acquiring business, while UnionPay Online mainly provides online collection and settlement for Internet or e-commerce online enterprises. Waiting for business.

2. In Hong Kong, credit card holders usually receive a monthly statement every month. If the credit card holder has used the credit card to make purchases in that month, he/she needs to make a statement at the end of the monthly statement. Pay the minimum payment on the monthly statement before the payment deadline, otherwise the card issuing company has the right to charge additional interest and administrative fees, or hire a debt collection (debt collection) company/credit reporting center to collect the debt. In mainland China, there are corresponding consulting companies on credit card repayment, which can provide cardholders with certain repayment strategies, making it easier for cardholders to use credit cards for more thoughtful financial services.

How to apply for a credit card in Baihu? The secret of Baihu’s successful credit card application

Credit cards are now playing an increasingly important role in people’s lives. Many people will apply for a credit card, and some people even have more than one credit card. , and there are many cases where Baihu applies for a credit card. So, how does Baihu apply for a credit card? What are the secrets for Baihu to successfully apply for a credit card? Let me answer it for you today.

What is a white household?

The so-called white household is simply a person who applies for a credit card for the first time. Generally speaking, it means that I have never applied for a credit card or loan, so my personal credit situation is blank, so it is called a "white account".

The reason why it is difficult for Baihu to apply for a credit card

The reason why it is difficult for Baihu to apply for a credit card is precisely because Baihu’s personal credit is “blank”, and the bank is the most difficult to review and approve the card. The main thing is to look at the applicant's credit situation, so the bank cannot know your previous credit situation, so it will be difficult for you to apply for a card. This is the main reason why it is difficult for white accounts to apply for a credit card.

How to apply for a credit card in Baihu?

1. Apply for an additional card

If you are a student and want to apply for a credit card, and you have a white account, in order to avoid the bank being unable to know your personal credit, If the card is not approved, you can choose to apply for an additional card. If your parents have a credit card, it is very easy to apply for an additional card.

2. Apply for a credit card online

If you want to apply for a credit card, you can choose to apply for a credit card online, because the threshold for applying for a credit card online is lower than applying at a bank counter. , the conditions will be simpler.

However, the limit of applying for a credit card online is generally lower than that of applying at the bank counter. But as long as you apply for a credit card, you can gradually increase the limit through subsequent use of the card.

3. Prepare sufficient proof of assets and financial resources

When banks review and approve cards, in addition to the applicant's personal credit, they also attach great importance to the applicant's assets and financial resources. So if conditions permit, you can prepare as much relevant asset and financial information as possible to prove your financial ability, so that it will be easier to apply for a card successfully.

4. Choose the right bank and card type

If you want to apply for a credit card, it is best to go to a commercial bank to apply for a card, because the application threshold of commercial banks is lower than that of state-owned banks. For some, like office workers, the company will usually let you apply for a salary card. You can go to the bank where your salary card belongs to apply for a credit card. This way, you will have salary records and it will be easier to apply for the card.

In addition, when Baihu applies for a card, it is best to choose the regular card first, because the regular card is the easiest to apply for, and Baihu will not be easily rejected when applying for a regular card.

The above is a summary of some relevant information about applying for a credit card for Baihu. If you are a white householder and want to apply for a credit card, you can refer to the opinions summarized above before applying for a credit card. You should consider your own comprehensive situation as much as possible.

How to apply for a credit card for Bai Hu?

Bai Hu has never applied for a credit card, never taken out a loan, or handled other bank business. For banks, his personal credit record is almost blank. Generally speaking, the approval rate for applying for a credit card is very low, it is easy to be rejected, or the credit limit is very low. So how to apply for a credit card? How do people with no credit history apply for a credit card?

First of all, you should pay attention to the following aspects if you are accidentally rejected.

1. Find out the reason for rejection

After applying for a credit card and being rejected, the first thing you should do is to first find out the reason for rejection. For this, please consult the customer service of the card issuer. The personnel will know. If the information is incomplete, just use the required materials; if the credit status is not good, build up your credit first and then apply for a card.

2. Provide the most comprehensive application information

Many people’s applications are rejected due to incomplete information. If incomplete information is submitted, it may cause the credit card application to be rejected again. If you want to To apply for a high-limit, high-end card, if you have proof of house, car, or property, be sure to show it. Supplementing this information in a timely manner will help to obtain approval again. 3. Don’t apply too frequently. After your application for a credit card is rejected, remember not to apply too frequently. The result of applying multiple times in a short period of time will still be the same. Reminder: It is best to apply again after a period of time, preferably more than half a year.

How to apply for a credit card quickly?

If a Baihu wants to apply for a credit card quickly, it is neither difficult nor easy. In addition to meeting the basic card application conditions, it is also necessary to master it in real time. Some card application skills are required, such as how to choose a credit card, through which channels to apply for a card, how to fill in the application form, etc. Let me introduce it to you below.

As we all know, Baihu’s credit record is blank because he has never handled bank-related business. For this reason, the process of applying for a credit card is rarely smooth sailing, let alone applying for a card quickly. , it’s really a bit difficult. However, if there are difficulties, you have to overcome them by applying for a card. Mastering the following skills will help improve the approval rate of card application~~

1. Choose the right credit card level

The credit card limit changes according to the level. Card applicants must first choose the right credit card level. The general limit is 3,000-8,000 yuan for regular cards, 8,000-50,000 yuan for gold cards, and more than 50,000 yuan for platinum cards. However, the specific situation depends on your situation. It depends on the financial proof provided and personal credit status. Therefore, if you want to apply for a large-amount credit card, you must choose the right credit card level.

It is recommended that you apply for a credit card with gold card or above. Friends who are preparing to apply for platinum-level credit cards should note that platinum cards generally have relatively high annual fees, and annual fees will be charged regardless of whether the card is opened or not. It is recommended that you apply for a "little platinum" credit card first, and you can generally enjoy free annual fees with full credit card payments. Annual fee policy for redemption of fees or points.

2. Choose a safe card application channel

You can apply for a credit card online, at the counter or at a small stall at the entrance of a supermarket or shopping mall.

Relatively speaking, it is faster to apply for a card online. If you want a higher limit, it is easier to apply at the counter. The more detailed the information when submitting the application, the better.

3. Prepare sufficient supporting documents

Many white households only fill out an application form when applying for a card. If you want to apply for a card quickly, this is not enough. Even if you meet the application requirements, Card conditions, but the bank cannot determine whether the card applicant meets the card issuance conditions just through a credit card application form.

So it is best for applicants to provide true and substantial proof of repayment ability, such as salary slips, work certificates, labor contracts, deposit certificates, real estate certificates, vehicle driving licenses, etc.

The more complete information you provide, the faster you can apply for a card, and it will definitely be helpful for applying for high-value credit cards.

4. Fill out the application form carefully and truthfully

Understand that when filling out the credit card application form, there are several important contents that will affect the bank’s score for you. The higher the score, the higher the score for approval. The amount may be higher.

1 Marital status: Married people score higher than unmarried people because banks consider people with families to be more stable.

2 Education: Extra points will be given for higher education, at least a bachelor’s degree or above.

3 Occupation and industry categories: public institutions, state-owned enterprises, top 500 companies, and well-known companies are the best.

4 Annual personal income: The more, the better, don’t exaggerate.

5. Working time in current unit: at least 1 year, the longer the better.

6 Housing situation: If you own a house, it means that you have good financial strength and no burden.

Finally, I would like to remind you that you should not trust agency companies just because you blindly pursue high-limit credit cards. As long as you use the right method to apply for a credit card with a large amount, you can easily apply for it yourself. And maintaining good personal credit is also key. Keep repaying the card in full and on time during the period of using the card to avoid overdue payments, which is also one of the factors that will affect the limit.

How to apply for a credit card for a white household?

The methods for a white household to apply for a credit card are:

1. Go to the bank that provides payroll cards to apply for a credit card;

2. Provide more proof of financial resources;

3. Maintain good credit.

Generally, as long as you have no bad records and a stable job and income, you can get a credit card.

White accounts can actually be divided into two categories: one is pure white accounts, which refers to no financial activities such as applying for loans, credit cards, or checking credit records in banks or other financial institutions. The previous category is blank; the other category is white households, which have records such as non-activated credit card applications and failed loan applications. Generally, the records are more than half a year apart.

When applying for a credit card, it is best to choose a regular card first, which is the easiest to apply for. At the same time, try to choose commercial banks for processing. Such banks are in urgent need of expanding their customers and their requirements are generally lower than those of state-owned banks.

1. Baihu has the following 5 ways to get a loan:

1. Make bank statements

Because Baihu’s personal credit history is blank , so it is not easy to get a bank loan. If you are eager for a loan, you can make reasonable use of bank liquidity to apply for a loan. For example, using more of your income as liquidity 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, which will have a higher success rate.

2. Apply for a credit card

The reason why it is difficult to apply for a bank loan for a white household is mainly because of the blank personal credit, so if you are not in a hurry for a loan, you can apply for a credit card first and swipe the card To develop your personal credit, it will be much easier to apply for a loan from the bank after half a year.

3. Use assets as collateral

If you personally have sufficient assets, you can use the assets in your own name, such as real estate, cars, etc., as collateral to apply for a loan from the bank. , with the mortgage as guarantee, it will naturally be easier to pass.

4. Find a third party for guarantee

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

5. The loan amount is appropriate and the purpose is clear

When Baihu goes to the bank to apply for a loan, be careful not to apply for a loan with an amount that is too high, and the purpose of the loan should be clear and give a Reasonable use can increase the loan approval rate.

How to apply for a credit card for a white account

When applying for a credit card account, you only need to submit some financial proof, so that you can apply for a credit card. The financial proof includes bank salary statements, large bank deposits, Real estate certificate, car driving license, etc.

After submitting these materials, the chance of a bank card will be greatly increased, but the limit obtained by applying for a credit card is not very high.

Credit card is a very common and practical financial tool, and anyone who meets the application conditions can apply for it. But how can Baihu go to the bank to apply for his first credit card and successfully pass it? Today, the editor has summarized some tips and shared them with you here, hoping to help more friends in need successfully apply for their favorite credit card. .

We know that people who have never applied for a credit card have no personal credit record in the bank, but no record does not mean a good record. The bank cannot know your past credit status, and naturally cannot judge your future. credit situation, so for people with no credit history, banks have to conduct more stringent reviews just like people who have been overdue. Some people may not have as much income, education, or conditions as you, but if they have a good card usage record, the bank will be more willing to approve the card. However, everyone is not born with a credit card in the bank. Everyone must apply for the first credit card in life. When everyone has a white account, how does a white account apply for a credit card?

Part 1 1. Start with small and medium-sized joint-stock banks. It is more difficult to apply for the first credit card of the four major state-owned banks. Joint-stock banks are much more gentle. You might as well start with this for your first credit card.

Second, try to find a bank with assets such as your salary card or large deposits, financial products, etc. Because you have deposits or salary flow in this bank, then the bank will not be aware of your assets and income. If you understand the situation, you will get extra points when approving the card.

Third, don’t apply for too many credit cards at once. Some users will apply for credit cards from several banks online because they are anxious to apply for a card. Doing so will have a negative impact on the credit card application because the bank will Seeing his application status in the credit report can easily make the bank doubt the user's true purpose of applying for the card, which will affect the result of the card application.

Fourth, start with Puka. Many people who apply for a credit card like to apply for a gold card or platinum card. However, for most banks, for those who apply for a credit card for the first time, even if their income is high, they generally will not approve a gold card. You must use a regular card. After a certain amount of time, the bank will upgrade your credit card to a gold or platinum card based on your card usage.

Finally, I suggest you not to blindly follow the trend and choose a credit card that suits you when applying for a credit card. The editor believes that as a white householder, you can successfully apply for the first credit card in your life, and say goodbye to you from now on. A trip to Shirato.

This is the end of the introduction about how to apply for a credit card for Baihu and the credit cards that Baihu can apply for. Have you found the information you need?