1, working experience should be at least half a year: in order to avoid taking risks, banks require users who apply for credit cards to have working experience. Users are generally required to work for half a year. That is, you need to provide proof of social insurance or housing accumulation fund for half a year or more to prove that your working years meet the requirements.

2. The monthly income needs at least 3,000 RMB: In order to avoid the risk that users can't repay on time, banks require users to show proof that your income is stable when applying for a credit card. For example, salary cards, running accounts. If your salary is paid in cash, you can print it at the bank. You have used the bank card transaction records for more than half a year. You can also use this to prove it.

3. Bad credit records will affect credit card applications: As we all know, the blacklist of system users in banks is shared, which means that if you leave bad records in a bank, including overdue repayment and credit card arrears, etc. You can't apply for a credit card at all banks. You can take your ID card (and photocopy) and other valid documents to the People's Bank to print your credit record. If you are unfortunate enough to have a bad record in your credit history, you need to deal with it as soon as possible and return the bank debt.

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1. How can I apply for a credit card without being rejected by the bank?

1. Research on the reasons for application rejection: After the application card is rejected, the bank will not tell the customer the reasons for rejection, but will only say that the comprehensive score is insufficient and will not return the application materials to me. This is an industry norm.

2. Choose the appropriate card type according to your own conditions: Learn more about the application conditions of the credit card you choose. If there is any discrepancy, you can apply for other types of credit cards or other banks.

3. Provide detailed application materials: If the submitted documents are incomplete, the residential address is not provided, the fixed residential telephone number of oneself or immediate family members or brothers and sisters is not provided, the company telephone number is not provided, the required (supplementary) time is exceeded, and the income/work certificate and property certificate documents fail to meet the requirements, the application may be rejected again.

4. Pay attention to answering the call for credit inquiry: Generally, bank customers will make credit inquiry by phone for up to three times, and one or two missed calls can make up for it. Some bank credit card applications may not be answered at one time, so pay attention to answering the credit call after submitting the application.

5. Choose another bank to apply: If it is not because of the bad credit record, being rejected at Bank A will not affect the application at Bank B. ..

6. Choose a bank outlet or official website Bank to apply for a card: If the credit card applied at an intermediary or roadside application point is rejected, it may be a black intermediary. If you apply for a card again, you must choose a bank outlet or a bank in official website to submit your application.

7. Don't run cards frequently and intensively: Running credit cards frequently (for example, running more than one card a month) will be regarded as a high risk by some banks, but not all banks have similar situations, and it may depend on the situation.

8. Pay attention to personal credit records: If it is rejected for many times, it is recommended to hold my ID card to the credit information management office of the local people's bank to inquire about personal credit reports.