What factors affect the success rate of examination and approval:

1. Whether to get married (the score of being married is relatively stable);

2. Education level (the higher the education level, the higher the score);

3. Whether it is a local hukou (the score of local hukou is higher than that of foreign hukou);

4. Whether there is housing (the score of owning housing is higher than that of not having housing);

5. Do you have a fixed telephone number in this city (having a fixed telephone number in this city means that your stability score will be higher);

6. The nature of the work unit (for example, institutions, state-owned enterprises and Fortune 5 enterprises all scored relatively high);

7. Job description (The higher the job, the higher the score. For example, civil servants and company executives score higher than ordinary employees).

Some application materials can be "compiled":

In order to improve the success rate of credit card application, you can "exaggerate" the application form as appropriate.

1. You can write "married" when you are almost old

If you are in your thirties or not married, you can fill in "married" on the application form when you apply for a credit card, and the bank will not go to the civil affairs bureau to check whether you are really married.

2. Home address can be written as home address

Friends who have already purchased real estate can fill in their current address in the home address column and provide a copy of the real estate license, which will help to increase the credit card limit.

At present, credit card applicants who are renting a house and have no independent residence had better write the address of their hometown, and the check-in time should be equal to their own age, so that bank auditors will think your address is stable.

3. Write a little more about your "salary increase" annual salary

Because the bank staff can calculate your annual salary according to your city and social security situation, you can exaggerate when filling in your annual salary in order to pursue a high credit card.