Joint-stock banks are definitely easier to approve than the four major state-owned banks:

Credit card application:

First make sure you are over 18 years old and have a job.

Then bring the following information and go to a local bank branch or credit card center to apply.

1. Personal ID card (required)

2. Employment certificate, Generally refers to a certificate issued by the unit with an official seal or a work permit (depending on the specific requirements of each bank)

3. Proof of financial resources, real estate certificate/vehicle driving license (depending on the requirements of each bank)

p>

After submitting the above information, the card must be approved by the bank at all levels. Not everyone’s application can be approved.

If you have a job but do not have a work certificate, you can apply in the following ways:

1. Bank of Communications: Educational background. Mortgage.

2. Industrial Bank: Social security.

3. Apply for a card: Use it with other banks for more than half a year Credit card application.

4. Deposit or financial account: Have a certain amount of deposit or financial account in a bank.

5. Salary payment: A bank that pays wages for yourself You can also apply for it.

Teach you two tips to successfully apply for a credit card

In the first few years when credit cards were first promoted, various banks tried their best to seize the limited credit card market. Although the expansion of cost efficiency has led to the great development of the entire credit card business, it has also resulted in the uneven distribution of good and bad credit card holders, resulting in many "sleeping cards" and "bad debts", laying hidden dangers for banks' bad debts. Now, with the strengthening of bank risk awareness and improvement of risk control, credit card approval has become more and more strict, especially for those who apply for a credit card for the first time or apply for a high-limit card, many people have received bank rejections , so how can you ensure that your application will be approved smoothly?

First of all, various asset certificates must be fully prepared. Generally speaking, if you already have one or more credit cards and have a good repayment record, you generally do not need to provide proof of income or assets. You only need to copy the credit cards you already own when applying and attach them to the application form. Just send it (even if the credit card you have is not the card of the bank you are applying for, it is OK, because each bank can check your credit status through the personal credit information system of the Central Bank. Good consumer credit and repayment credit are the most important things for banks. valued).

If you are applying for a credit card for the first time, because you do not have any consumer credit record, the bank mainly relies on your various income and asset status to decide whether to approve the card and the size of the credit limit. Generally speaking, if you are applying for a credit card for the first time, the limit will not be too high unless you can provide sufficient proof of assets, such as income proof, house ownership certificate, mortgage purchase certificate, car title certificate, bank deposit certificate or Securities certificates, etc. Of course, in addition to asset certificates, other certificates that can prove your personal abilities will also help you obtain high-limit credit cards, such as academic certificates, technical level certificates and other qualification certificates.

Secondly, fill in the application form carefully. Generally speaking, the following aspects on the application form will affect the bank's credit evaluation score (the higher the credit score, the higher the chance of obtaining credit card approval, and the higher the limit): 1. Whether there is a landline in the city Number (having a landline phone number in this city means that your place of residence is stable, which will increase the bank’s credit evaluation score); 2. Whether you are married (married has a higher score than unmarried); 3. Whether you have a household registration in this city (this city The score of household registration is higher than the score of household registration in other places); 4. Whether there is a house (the score of owning a house is higher than not having a house, and the score of self-living is higher than living with parents); 5. Educational level (the higher the education level, the higher the score) ; 6. Nature of the work unit (the more stable and well-known the work unit is, the higher the score. For example, government institutions, large state-owned enterprises, and Fortune 500 companies all have higher scores, while unknown private companies and small foreign companies have lower scores) ;7. Position status (the higher the position, the higher the score. For example, civil servants and company managers score higher than ordinary employees)