Everyone who has opened a credit card has probably encountered the embarrassment of being rejected by the bank. It is easy for others to open a large credit card, but you are rejected? Today I would like to share with you tips on how to apply for a credit card quickly, to help you avoid detours and learn it quickly!
1. Apply online, and the credit card approval rate is higher
Nowadays, the Internet is very convenient, and the credit card approval rate for online applications is usually much higher than for applications at branches. The banking industry can directly evaluate the applicant's qualifications based on Internet big data and decide whether to apply for a card. If you have been rejected before, you might as well try to apply online this time.
2. Keep in touch with banks
Generally speaking, banks have very clear classifications of customers, such as investment customers, financial management customers, agency customers, mortgage customers, etc. Different banks have Identity is helpful when applying for a credit card.
For example, if you apply for a debit card or purchase a financial product at this bank, generally as long as there is no problem with your credit record, the bank will be happy to apply for a credit card for you. After all, who doesn’t like high-quality clients?
3. Application time
Many people ignore this point. Generally speaking, new cards that have just been launched are easier to apply for, and co-branded cards are easier to apply for, and banks will be happy to apply for such credit cards for you. In addition, at the beginning and end of each year, banks will relax their review standards. During this period, it is easier to apply for a credit card than usual.
4. Authenticity of information
The basic information filled in the application form must be true, such as marital status, academic qualifications and other personal information. The bank can easily check it. You get what you pay for and forge, beware of smart people being deceived. Other occupations, income, etc. can be exaggerated, but not too much.