Activities like this are usually held, and you don't have to wait until the end of the year. Having said that, we can still analyze some laws through the data of previous years. When you apply for a credit card at the right time, the hearing rate will often be higher, and the amount after issuing the card will give you a little surprise.
The first stage: March to May
At the beginning of the year 1 month, banks are generally busy with various data collection and publicity activities. For the credit card business, they will also set the card issuance indicators and targets for the new year.
Generally, there will be excess annual leave in mid-February, around March. During this period, the bank audit will generally be more relaxed. After all, the workload has been fixed, and it is still in the sprint stage. This situation will basically last until the second half of the year, that is, before June, during which there will be many large-scale activities such as sweeping streets and office buildings by credit card handlers.
The amount of phased tasks will basically be completed within this time period, and even some banks will complete half of the annual tasks, so the post-audit policy will be tightened to reduce the risk of overdue and overdraft of credit cards, and those with poor qualifications may be directly rejected.
Phase II: 10 to 12.
Before the end of the year, most banks have almost completed their tasks, but there are still some banks whose card issuance will be quite different from the target set at the beginning of the year, so another wave of achievements will be made at the end of the year, often attracting customers to apply for cards through the above-mentioned special card names and card shapes.
10 ~ 65438+ February
After the first half of the year, at this time, most of the tasks of the bank may have been almost completed, but some of them are still far from the task objectives, and they need to achieve results at the end of the year. For example, at this time, the application is easier to pass. At this time, it is often very real to pay attention to the new card of a single bank. Leave a message telling me that you recently got a card? I recommend two for you.
Therefore, the amount of credit card applications in these two periods is still relatively large, and the amount will be higher than usual. However, you must show off your wealth when filling out the application materials. Fixed assets, cars and deposits are also the keys to help you increase your credit card limit.
Pay attention to using the card when using the credit card after getting off the card. If it is overdue, don't be overdue. Even if the funds are tight and cannot be repaid in full before the repayment date, you can choose to use a repayment software platform like Didi Ou to solve the bill. The official account of WeChat, Didi Euro, can be used directly, and the remaining several hundred yuan in the user card can be used for repayment for recycling consumption, inciting tens of thousands or even hundreds of thousands of bills. The consumption pattern of real merchants is also in line with multi-line consumption, multi-industry and multi-merchants.
Although the bank does not clearly explain the relationship between the application time of credit card and the intensity of audit, it can refer to these card-handling skills to give a reference to friends who want to apply for credit cards with poor credit information. If you are qualified, you can even apply for a high-end credit card with a high threshold. Banks still welcome quality customers more.