It’s the end of the year, and both credit card intermediaries and card friends are definitely waiting for the banks’ end-of-year credit card activities, including various gold cards, platinum cards, golden bull cards and other fancy cards. The name of the credit card as well as the unique shape and policy.

Activities like this usually happen, and they don’t necessarily have to wait until the end of the year. Although it is said that, you can still analyze some patterns through the data of previous years, and apply for a credit card at the right time. The rate of hearing is often high. It will be higher, and the limit after you apply for the card will also give you a little surprise

The first stage: March to May

In January at the beginning of the year, banks are generally busy with various things. Summary of data, publicity of various activities, less credit card business, and also formulating card issuance task indicators and goals for the new year

The annual holiday is usually over in the middle of February, which is almost around March. Bank audits are generally relatively relaxed during this period. After all, the workload has been set and it is still a sprint. This situation will basically last until the second half of the year, that is, before June. During this period, there will be many credit card applicants. Side sweeps, office buildings and other large-scale activities

The phased tasks will basically be completed during this period. Some banks will even complete half of the annual tasks, so the review policy will be tightened in the future. , reduce the risk of credit card overdue, overdraft and other risks that will occur in the future. Those with slightly inferior qualifications may be directly rejected

The second stage: October to December

At the end of the year At present, most of the bank's tasks have been almost completed, but there are still some banks whose card issuance volume will be relatively different from the target set at the beginning of the year, so they will make another wave of performance at the end of the year, often through the various factors mentioned above. Special card names and card shapes to attract customers to apply for cards

October to December

After the first half of the year, most of the banking tasks may have been completed by this time, but There are also some that are still far behind the task target and need to boost performance at the end of the year. For example, at this time, it is easier to get the application approved at this time. At this time, pay attention to the new cards of a single bank, which is often very real leakage news. Leave a message. Tell me have you applied for a card recently? I recommend two to you.

So during these two periods, the number of credit card purchases will be relatively large, and the limit will be higher than usual, but you must show off your wealth when filling in the application information. Wealth, fixed assets, cars, and regular deposits are also the key to helping you increase your credit card limit

When using a credit card after applying for it, pay attention to the care of the card. Don't overdue if you can, even if you When funds are tight and the bill cannot be repaid in full before the repayment date, you can also choose to use a repayment software platform like Didi Biou to solve the bill. The official account - Didi Biou, you can directly obtain and use it, using the user card The remaining credit limit of a few hundred yuan can be used for recurring consumption repayments, leveraging bills of tens of thousands or even hundreds of thousands. The consumption patterns of real merchants also comply with the bank's multi-payment, multi-industry and multi-merchant standards, which can solve the bills at the same time. Solve the problem of card maintenance

Although the bank does not clearly explain the relationship between the credit card application time and the intensity of review, you can refer to these card application tips to give friends who have poor credit and want to apply for a credit card a For reference, if you have good qualifications, you can even directly apply for high-end credit cards with high thresholds. Banks are still more welcoming to high-quality customers.