Some unpopular tips for applying for a credit card

1. March, April and May of each year are the best times to apply for a credit card. If you have plans to apply for a card, be sure not to miss this time period.

2. In the process of applying for a credit card, when the applicant fills in the "recommender", he must choose an old cardholder who holds the bank's credit card, and the credit status of this old cardholder is, It will affect the application result to a greater or lesser extent. Banks also prefer card applicants recommended by high-quality customers.

High-quality customers have the following conditions:

Good credit, no overdue, no bad records, etc.; high credit card limit, generally not less than 30,000; long card holding period, generally Not less than 2 years; the credit card is used frequently and is an active customer of the bank. Therefore, if you have a high-quality customer around you who meets the above conditions, you might as well let him become a recommender. On the one hand, it can increase the success rate of applying for a card, and on the other hand, it can also let the recommender earn more money.

3. Try to apply through online channels. According to bank staff, online application is the fastest and most convenient way. Just fill in the complete information and it will be approved soon. Especially old customers of the bank, or customers with better conditions, can apply for the card as soon as the same day.