1, go to the bank counter to apply for a credit card.
Handling credit cards at the bank counter requires a lot of information, but if you can provide proof of assets such as automobile production, real estate and bank card flow, the credit card quota is also high.
2. Apply for a credit card online.
Applying for a credit card online is the most commonly used method. You can apply anytime and anywhere, with simple materials and fast approval speed. Finding a person with good credit information and high credit card limit to recommend you to apply for a card can also improve the chances of passing.
3. Handle the credit card through the salesman.
The advantage of getting a salesman to apply for a credit card is that they will try their best to help you with the card, because whether or not to apply for a card is also related to his own commission. Looking for a salesman to apply for a card will get some help in preparing materials and answering return visits.
Conditions for applying for a credit card:
1. Applicant 18 years old or above, with full capacity for civil conduct;
2. Have a stable income and be able to repay the arrears on time;
3. The applicant has good personal credit;
4. Other conditions stipulated by the bank. Usually, when users apply for the first time, they can consider the universal card launched by the bank, so that the bank will pass the examination quickly and get the credit card soon, but the amount will not be too high.
To apply for a credit card, you need to prepare the following materials:
1, work certificate and income certificate. You need to go to the bank to get this certificate application form, and then fill in some basic information yourself, and then give it to the work unit with official seal and then hand it over to the bank.
2. Social security payment certificate. Social security payment certificate is a good proof of job stability, and the success rate of applying for social security card will be improved.
3. Proof of deposit. If there is a bank deposit, the applicant can issue a deposit certificate in the bank and then apply for a credit card from the deposit bank, which will improve the success rate of card handling.
4. Vehicle driving license. If you apply for the owner's credit card, you also need to provide the vehicle driving license.
5. Real estate license. Now, if you want to apply for a large credit card, you can use the real estate license as proof of property.
6. Existing credit cards. If you have a credit card from another bank, as long as it has been used normally for more than 3 months, it can be used as an additional material for applying for a card.