Credit cards can be tried in the following ways for the following reasons:

1. In general, whether a credit card can be successfully applied depends mainly on the individual's repayment ability. I suggest you apply for a credit card at the bank where you pay. Because the bank knows your income, naturally your application will be approved and you will get a credit card soon.

2. If the application materials do not meet the requirements, then in the next application, you must read the requirements of the bank carefully and fill in it carefully to prove that your assets have as much information as possible, so as to improve the pass rate.

The credit card competition between banks is very fierce. Every bank in the world will have one or more credit cards worth applying for. Make a good comparison and continue to apply. Among so many banks, one will accept your application.

: 1. Credit card, also known as debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

2. The credit card stipulated in the relevant laws of China (Interpretation of the Provisions of the NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal? . 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.

3. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when spending, and it will be repaid on the billing day. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

What should I do if I can't get a credit card because I need money urgently? There's always a way to solve it

Credit cards are regarded as artifacts by many people. If buy buy has no money, you can use a credit card. If you need it urgently, you can withdraw cash or apply for cash installment. However, not everyone can get a credit card. There are often many people who are not qualified, but need money badly. Then, what if you can't get a credit card with urgent money? We have to find a way to borrow money from other sources.

What should I do if I can't get a credit card because I need money urgently?

1, handle the secondary card.

The applicant can't handle the credit card himself, so he can ask his immediate family members who have the main card to handle the turnover of the secondary card. As long as the status of the main card is normal and the age of the deputy card holder meets the requirements, there is no requirement for its repayment ability and credit, because it refers to the credit conditions of the main card holder.

However, the disadvantage of the secondary card is that it shares the quota with the main card, and all consumption is included in the main card account. If you don't pay attention to some places, it will drag down the main card holder.

Step 2 borrow money online

Many online lending platforms can provide loan services, mostly credit loans, which are not as high as credit cards, but applicants must have stable repayment ability and no bad credit record, which meets the basic conditions of the platform.

However, we should be cautious in the choice of platforms, try to choose the products of licensed financial institutions, and avoid those so-called unconditional lending platforms, so as not to cause losses to ourselves.

Step 3 ask relatives and friends for help

You can't get a credit card with urgent money, so it's also a good idea to ask friends and relatives to help you borrow money. Of course, not everyone is willing to borrow money. Try to find someone close to it. When borrowing money, you must write an IOU, stating the loan amount and repayment time, and give some interest appropriately.

The above is the relevant introduction of "what should I do if I can't get a credit card with urgent money?" I hope it will help everyone.

What if I can't get a credit card?

Credit card failure is not necessarily a credit problem. If you can't get a credit card, there may be something wrong with your credit, but you can't be sure. Generally speaking, credit cards are rejected for the following three reasons:

1. The reasons for the basic information of the applicant, such as 18 years of age, the occupation is forbidden for bank credit cards, the information provided is not detailed, and the salary information is not detailed.

2. Reasons for the applicant's credit investigation, such as repeated overdue behaviors and repeated failure to repay loans.

3. Other reasons, such as high debt and failure to meet the requirements of banks.

1) If applying for a credit card, the customer must be at least 18 years old and have full civil capacity; And maintain a good personal credit; You must also have a stable and legal source of economic income and the ability to repay on time. However, if it is 16 years old, it needs to be accompanied by parents. If you choose to operate a premium platinum card, you will have stricter requirements on the economic and financial level of your customers. There is no requirement if you only apply for a savings card. Customers can bring their personal ID cards to the outlets.

2) Some bad credit records will be blacklisted permanently, which means that you will never get a credit card or get a penny from the bank. For some bad credit records, after paying off the arrears (including late fees, interest and compound interest), there will be no overdue records within 5 years, and all bad records will be automatically cleared after 5 years. That is, you can't apply for a credit card within five years, but you can do it after five years. In some cases, credit records are fine, but credit cards cannot be processed.

3) Credit cards are divided into credit cards and quasi-credit cards. Credit card a credit card that can be spent first and then refunded within the credit limit. Quasi-credit cards must deposit a certain amount of petty cash. If the petty cash is not enough to pay, you can overdraw the credit limit specified on the credit card. The difference between debit card and credit card: credit card (consumer credit product) is to spend first and then repay, while debit card is to save first and then use; Credit cards can be overdrawn, but debit cards cannot be overdrawn; Credit cards have revolving credit lines, while debit cards have no revolving credit lines; (Revolving credit refers to the line approved by the bank for the cardholder. The amount owed by the cardholder within the limit does not need to be fully repaid. Only the specified minimum repayment amount can maintain a good credit record and be reused. Credit limit of the cardholder. )

So much for the introduction of what to do without a credit card.