Nowadays, credit card has become a daily turnover tool for many people, but not everyone can apply for it. In particular, many people have insufficient comprehensive scores, making it even more difficult to obtain credit cards. But it doesn't mean that you can't get a card. Many people want to know if you can apply for a credit card if you don't have a comprehensive score. If you use the right method, you still have a chance to get a card. can I apply for a credit card if my comprehensive score is insufficient? The applicant's comprehensive score generally includes two aspects, one is personal credit, and the other is repayment ability, so it does not mean that you can get a card if you meet the basic conditions for handling a card. If the comprehensive score is not enough, it is necessary to analyze the specific situation, that is, it is possible to see whether there is a problem with personal credit, repayment ability, or both. If the comprehensive score is insufficient, unless you apply for a secondary card, there is no credit card to handle a personal master card, unless you find out what is insufficient. For example, if you have bad personal credit, you usually need to raise your credit before you apply for a credit card; There is a problem with repayment ability, either directly increasing personal income or reducing personal debt ratio can make repayment ability better. If you can master some card handling skills, you can get twice the result with half the effort, not only can you improve the pass rate, but also the amount of card approval will not be low. The key is to choose the right bank and card type. 1. In terms of bank selection, the first choice is the bank that pays wages, or the bank that has frequent business contacts, such as deposits and purchases wealth management products or funds. The bank has a better understanding of the income and economic situation of the applicant. As long as it is not a black account with credit information, it is easier to approve the card if the repayment ability is not problematic. The second is to choose a commercial bank with a loose threshold. 2. In terms of card selection, if you have never had any credit card, it is recommended to start with ordinary credit cards one step at a time, such as general cards and gold cards. You can choose cards from the actual needs. For example, it is more suitable for car owners to have a car owner card, and it is good to have a supermarket card for frequent shopping. If you already have a credit card, see if you can use it to apply for a high-end card. The above is the introduction of "which credit card is easy to handle if the qualification is not good". In short, it is very important to have a good personal qualification for handling credit cards. It is also necessary to master the skills of handling cards, which is relatively easy to handle cards, and it is easy to obtain large credit cards.