No one has no job, no income, and does not meet the basic conditions of joint card, so the application for credit card will generally be rejected. But it doesn't matter, it is possible to get a credit card as long as you master the packaging skills introduced.

First of all, determine which bank to apply for a credit card. Here is the introduction of CITIC Bank, because the application threshold of CITIC Bank is relatively low, and it can be handled with a business card and work permit, and the approval time is relatively short. However, the fly in the ointment is that the amount of card approval is not very high, but the three people focus on the card, and the amount is second.

Then, Shenka went to a large supermarket nearby and chose a counter to remember his information. Call 12580 to find out the phone number of this supermarket. Then apply generously. As long as the preliminary work is done well, this one is 100% success.

Then we started packing. As for how to package it, it is actually very simple, that is, to provide some proof, usually to provide proof of work.

Some people will say, "There are three people who have no jobs. Where can they get a license?" It's easy to handle and it doesn't cost money. After all, it is not difficult to buy a work permit, and there are many on Taobao.

Then the most critical step is to handle the return call from the bank. Generally, as long as the bank calls you to verify the information, it means that it is very promising. But if the information you answer is incorrect, you may lose all your efforts.

You'd better talk to the front desk of the supermarket, leave your name and ask her to pay attention to the phone number of the bank when answering the phone. Just to prove it for you. Then you go to the supermarket every day and wait for the phone call from the bank.

When answering the phone, you must remember the information on the application form clearly, saying that the delivery address must be the counter address, and never say that it should be sent to the home address. After answering the phone, I waited for the bank to get off the card.

Apply for a large credit card online? You have to learn to pack first!

There are five steps to get a card. The first step is to make a detailed version of the credit report, the second step is to package it, the third step is to select the card type and bank, the fourth step is to fill in the form for a return visit, and the last step is to analyze the reasons for the failure of card handling.

First, check the detailed version of the credit report.

1. Cardholders

Credit check is aimed at groups that already have credit cards. If you already have a credit card or have operated a loan, then your detailed credit information must have basic information such as work. You should have a look at it first, and carry out the second step of packaging on the basis of detailed credit information. This is a professional method. Many people have good credit information, but they are refused to apply for a card, which may be because of this. For example, the last unit in your credit information is A, and the interval is less than 6 months. When you pack, you use unit B, and the working time is 2 years, so it is illogical for the bank, and your job stability is very poor, so the risk is great and it is normal to be rejected.

2. Pure white family

If it is a pure white household, this step can be skipped directly and packaged directly, but it should be remembered that pure white should have the mentality of supporting the unit from the beginning of handling the card. What is a feeding unit? It starts with the first card you apply for, and then you try to use this unit to handle cards and online loans. The success rate is high. In short, the principle of control is not to change units frequently, and don't let the bank think that you are a very frivolous person.

3. What should I look at for personal credit information?

1) Look at the number of queries; 2) Look at the debt ratio; 3) See if there is any overdue; 4) Look at the detailed information such as the unit that recently handled the card or online loan.

The number of credit inquiries, this is the first thing to look at, just like the first impression you give in the interview, whether you can enter the next link depends on this. If you have a lot of inquiries about credit reporting, or they are not good, then don't apply in a hurry. Keep the credit information for one month first, and then operate it next month.

But there are exceptions, that is, your strength is really good, such as provident fund, RV, deposit, financial management and so on. That is, there are several of the eight major financial resources. You can still try this kind of situation, even if you inquire more, but then again, since you have such strong financial resources, what kind of card and online loan can you do?

Therefore, the technology or rules we are talking about are aimed at ordinary customers, some of them are three noes or four noes, and they are basically people with average qualifications. They are all short of money. Since they are short of money and need to borrow money from the bank, the most basic thing is to understand.

Conservatively speaking, the number of times a month to check the credit should not be more than three times. If it is more than three times, then go to the credit information, wait for one month, and then apply next month.

Let's not talk about the debt ratio here. This is related to the amount of cards raised. If you want to put up a sign, you must pay attention to this. There are overdue ones, and we won't talk much. Everyone knows that.

The last point is to make a detailed version of the credit company information. For those who already have a credit card, it is best to operate on this basis and look at the information of the company that recently applied for your credit information. This is professional technology, and you can't just choose a card and fill out a form to get off the card.

Second, the system packaging

About packaging, packaging can grasp two points, one is the fixed telephone, the other is the unit. Let's talk about some skills of handling cards.

1, choose the right time to apply for the card.

Generally speaking, the first half of the year and the end of the year are the best time to handle the card, because at this time, if you do business, the speed of verification and card issuance will be very fast and the amount will be relatively large, which is closely related to the needs of customers and the task completion of salesmen at different times.

Even if the external conditions for applying for a card are exactly the same, the success rate of applying at different times is also very different. According to historical experience, the easiest time to get off the card in a year is March, April, June, July, August and the upcoming Spring Festival. The same applicant and the same application materials are submitted during this period, and the success rate of issuing cards is the highest.

2. Improve professional ability

There are actually two aspects to handling a card, one is your personal qualification, and the other is your professionalism. Personal qualifications are hard indicators, and they can also be improved by themselves. But some card handling skills can be acquired through learning, depending on whether you are willing to spend time. As long as you are willing to learn and learn some simple skills, it is easy to apply for a credit card.

3. Choose an appropriate card processing channel.

Choosing the right channel can make it easier for credit cards to be approved. For small white users with low quota requirements, online credit card application, WeChat credit card application and third-party channel credit card application are helpful for credit card approval; For users with more than one credit card, it is easier to get a big card at the counter.

A high-value credit card requires the cardholder to provide a strong asset certificate and go to the counter to apply for the card; On the contrary, online application does not support the provision of various proof materials, and card friends who do not require high quota can try it.

4. Generally speaking, one qualification is required.

You can be a good customer of the bank. The so-called high-quality customers don't ask you how much your annual salary and property are, but whether you have purchased wealth management products and whether you have time deposits. Buying bank wealth management products or time deposits is the most effective way to handle cards. As long as the time deposit certificate exceeds 50 thousand, the bank will give you a green light to apply for a card. It doesn't matter if you have no extra money to buy wealth management products. Then get a savings card at the bank first! It is helpful to brush more running water at ordinary times. We have special methods and techniques for this work.

5. The details of handling the card are very important.

As the saying goes, details determine success or failure, so don't ignore the details in the application form! First of all, pay a return visit to the fixed line in time. The so-called fixed line means that you can find your phone number directly, which can reflect the stability of the applicant's life. If there is no telephone at home, we can fill in the telephone numbers of relatives and friends, as long as the bank can find you.

The mailing address after getting off the bus is also very important. We can choose to mail it to the company, because if you mail it to the company, the bank will feel that you are stable in this company and will greatly improve your trust.

Three. Card type and bank selection

1, pure white household

If it is pure white, it is very important for white households to choose the appropriate application order. Bank of Communications credit cards are the best, and the amount is low. China Merchants, China Everbright and Guangfa credit cards are easy to be approved, and the quota is increased rapidly. At this time, Bank of Communications is frozen, no matter how much. If you have a high degree, you should choose transportation first. If you have a high degree, you should generally choose Everbright, Guangfa or CITIC.

When the investment increased to 40 thousand, they applied for Ping An and CITIC, mainly referring to the existing card quota, and the withdrawal quota was particularly slow. If you don't apply for investment promotion and apply for Pudong Development, your total credit growth will be very slow. Next, apply for Pudong Development Credit Card, refer to the maximum amount of existing cards, pay more attention to the utilization rate of existing cards, and not pay attention to liabilities.

The last step is to apply for the credit cards of the four major banks, because the four major banks have many outlets and stable policies, and they can also resist all kinds of wool. Unlike the policy of small banks, if it becomes faster, it will be restricted if it is restricted, and if it is reduced, it will be reduced if it is not temporary. When the quota is enough, the previous small bank will be cancelled.

2. Cardholders

For people who already have a credit card, the application strategy is different from that of pure white households. Check the credit information first, package it according to the credit information, and then look at the debt ratio. If you have too many cards, the first step should be to cancel them, small banks and banks with slow withdrawals. This requires you to understand the rules of line 14, and you should be clear about which one will withdraw funds quickly and which one will withdraw funds slowly. Then apply according to the normal process.

In a word, the general idea is to choose commercial banks first, then four major banks, choose commercial banks to handle cards, and also choose cards that suit you and handle them, and choose hot cards or co-branded cards from official website. The so-called express cards outside the intermediary are, in the final analysis, links to co-branded cards.

Four, fill in the form and return visit

1, fill in the form

Filling in the form is divided into four sections: 1) Personal information; 2) Residence information; 3) Work information; 4) contact person. Personal information belongs to cardboard and cannot be optimized. The other three pieces of information can be optimized appropriately, so how to optimize it is more critical. The specific filling technique will be written in the late sunny day.

Step 2 Follow-up visit

Pay a return visit to this piece, as long as you grasp one thing, that is, the information filled in the form should be consistent with the answer on the phone, and you must pay attention to the last level in the return visit process. Some people may not pay much attention to the return visit, and as a result, the return visit fails, and all your previous preparations are in vain. .

Five, the failure reason analysis

This is the last level and a very important link. If you fail to apply for a card, you should first analyze the reasons, so that you won't make the same mistake again in future applications. Some people don't care about anything and can't get a card. When they apply for the second time, they will only get the same result or end in failure!

The correct order of handling cards is to handle one card first to see if it can be successful. If it is successful, it means that there is no problem with the information you packed. You can apply for a second card with the same information. If you fail, you must analyze and summarize the reasons, and the success rate of applying for the second one is high.

How to package the credit card (debit card) application?

Applying for the packaging of a credit card (debit card) is not the same as faking it through an intermediary, but mastering some tips for applying for a credit card (debit card):

1, pre-tax wage income plus various benefits and bonuses;

2. The fixed telephone must leave the landline, and someone answers it. There is no need to find a way;

3. Leave the company address for the mailing address of the credit card (debit card);

4. Choose your own credit card (debit card) card type and card level;

5. It is best to apply in the first half of the year or at the end of the year, and the approval rate for handling cards is high;

6. Choose the right way to apply for the card. Without financial proof, online application is preferred.

The genuine packaging of credit cards (debit cards) is helpful for the approval of credit cards (debit cards) and improves the pass rate. However, if it is the intermediary packaging of the bid card, it will be easy to refuse to apply for a credit card (debit card), even if the credit card (credit card) applied for is likely to be a fake card, and the personal identity information is leaked, resulting in the fraud of the bid card fee.

How to pack the credit card? There are a few tips to share with you.

1, there are no difficult credit cards, only people who can't pack. Many people who want to apply for a credit card usually encounter such a situation: the application for a credit card is repeatedly rejected until they finally lose confidence! Even if the quota is finally approved, it is pitifully low. Why?

2. In fact, we all know that each bank will have its own scoring system for credit card review. We will comprehensively examine the applicant's work income, personal data, assets and liabilities, credit information, social security provident fund and so on. , and will judge whether to grant you a card and how much according to the comprehensive score of the user.

3. Many people actually don't know much about credit cards and loans. Even if they have good qualifications, they only have a quota of 58,000 yuan. Not to mention people with average qualifications and financial resources, it is more difficult to be a high quota. Therefore, the operation technology is very important. Consult and choose the online loan that suits you, and don't spend it on credit investigation or big data, which will affect the bank credit card business in the future.

This concludes the introduction of how to apply for credit card packaging and how to apply for credit card packaging and mailing. I wonder if you have found the information you need?