How to fill in the credit card application information

Many friends want to apply for a credit card to cope with consumption such as home visits to relatives, wedding gifts, dinner parties and entertainment, so what you need to pay attention to when applying for a credit card for the first time What? How to apply for a credit card quickly?

The credit card salesperson will hand you a card application. The following content needs to be filled in carefully. Online application also requires filling in relevant information.

1. Basic information

1. Marital status

Married with children, married without children, married without children, single. Just fill in the facts. If you are over 30 and unmarried, the bank will consider you unstable. It is recommended to prepare more asset certification documents (house/car/bank deposit) when applying for a card.

2. Residential phone number

The "residential telephone number" should be emphasized. Many applicants think that filling in the mobile phone number does not require filling in the residential telephone number. In fact, the bank's "residential telephone number" item mainly checks the stability of the applicant. So, don’t ignore this one.

3. Residential address

Whether you own or rent a house, you must fill in your residential address. Like the residential phone number, the bank is also testing your stability with this item.

4. Residential status

Owned residence, no loan, self-owned residence, loan, unit, apartment, renting, if you have not bought a house, you may wish to write down your hometown address.

Residence time is also a reference item. Generally, it is more stable if it is more than one year, and the longer the better.

2. Occupational information

1. Work address

Whether or not you have a work address can reflect whether you are working. Therefore, do not miss it when filling out the application form. .

2. Work phone number

Forgetting to fill in the work phone number is the reason why many people fail to apply for a card. The bank will call your workplace during the follow-up call to check the stability of your job.

3. Income

There is a lot of skill in filling in income. Fill it out truthfully and avoid making up random things. Of course, don’t forget to add social security, provident fund, welfare, and year-end bonus on top of the after-tax basis.

4. Length of service

The length of service directly shows the stability of your job, and it can also indirectly show the sustainability of your income. Some cardholders are very honest and directly fill in the 10/11 months of employment based on the actual situation. Here, you might as well fill in an estimated number, more than 1 year.

3. Contact information

1. Contacts

Contacts are divided into two categories: immediate family members and other contacts. Family members with stable addresses, stable jobs and Friends with high incomes, etc. In a word, it is the smartest way to fill in the stable group that the bank is assured of. It is not recommended to fill in friends and relatives who have no fixed job or unstable income/residence.

4. Statement address

1. Work address

The billing address has two options: work address and residential address. Check the work address on the side. Show that you actually work for this company.

How to fill in the credit card application form to get a high approved limit? Teach you some form-filling techniques

Nowadays, many people will apply for a credit card. If you go to a bank to apply for a credit card, you first need to fill out an application form. Many people may not pay attention to this application form, but in fact, the application form plays a key role in your subsequent review. So, how to fill in the credit card application form to get a high approved limit? Today I’m going to teach you a few tips on how to fill out a credit card application form.

1. The information must be complete and accurate

1. When filling out the application form, you can see that some are required and some are optional. Many people do not. Will fill in the optional fields. It is recommended that everyone fill in the credit card application form, whether it is required or optional, because the more complete your personal information is, the easier it will be for the bank to review it.

2. Be careful not to make mistakes when filling in the information. The information must be accurate. Your ID number, workplace name, emergency contact person and mobile phone number, etc., are all subject of critical review by the bank. Once the information is incorrect, the application may be directly rejected.

2. The information can be modified appropriately

1. Generally, banks attach great importance to the applicant’s financial resources, so you can modify it appropriately when filling in your personal income. . For example, in the salary column, you can fill in your basic salary plus year-end bonus, subsidies, etc.

2. The bank is also very concerned about the housing situation. People who own houses are definitely more popular than people who don’t own houses. If you don’t own your own property, you can fill in your parents’ property.

3. The stability of information representation is very important

1. For the card mailing address, it is recommended that you fill in your work address, which is better than filling in the address where you live.

2. In the fixed phone column, just fill in the phone number of your unit. Or if you have a landline at home, fill in the home landline.

The above is the answer to "How to fill in the credit card application form to get a high approved limit?" Here are a few things to note when filling out a credit card application form. Please be sure to fill it out accurately and completely. This will help you apply for a card, and the bank will also use this as a reference when approving the credit limit.

How to fill out the credit card application form?

Home address

Applicants who have already purchased a house can directly fill in the address of the property under their name and attach a copy of the real estate certificate when submitting the information. Card applicants who do not have personal housing, such as those who rent a house, can fill in the home address of their hometown. If they stay for a long time, the bank will think that the address of the card applicant is very stable. For people like Beidiao, if you have local friends with good connections, you can fill in the friend's address if the friend allows it, and the check-in time can be Beidiao time, which can also show the residence stability of the applicant.

Marital status

Whether married or single, generally speaking, you can fill it in truthfully. But for older young people aged 28 or 29, you still need to think carefully when applying for a card. If you fill in the form of unmarried, the bank will consider that the status of the card applicant may not be very stable.

Residential phone number

Fill it in based on your home address, preferably a landline. Make sure your parents or friends’ parents (you need to say hello in advance) can receive it. Older people always give people a more secure feeling, and banks like that.

Workplace landline phone number

Failure to fill in this is the culprit that causes many card applicants to fail to apply for a card. The bank often chooses to call this number during return visits to confirm the card applicant’s job stability, which is directly related to the card applicant’s source of income.

Annual salary

It is directly related to the repayment ability. Many card applicants fill in the annual salary that is either too high or too low when applying for the card. In fact, the annual salary is directly related to the income certificate of the card applicant. , should be filled in according to the actual situation, but if the unit can issue an income certificate, it can also be increased appropriately to make the bank more assured. Be careful not to make anything up when filling in your annual salary. Firstly, the bank will have a relative reference value through social security, industry, position and other information. Secondly, once the bank discovers that the card applicant has forged information, the card application will basically not be successful. .

Contact person

You can choose to fill in the contact person: family members with stable addresses, friends with stable jobs and high incomes, colleagues in the same company, etc. In short, it can make the bank feel more at ease. stable group. It is not recommended to fill in friends who do not have a fixed job or whose income/residence is unstable.

Credit cards from other banks

Among the mainstream banks, only five major banks, Bank of China, Bank of Communications, China Guangfa Bank, Ping An Bank and Shanghai Pudong Development Bank, support card application. For cards from several banks, you can apply at the counter with a credit card from another bank that has been used for at least 3 months (different banks, such as Pudong Development Bank regulations: you can apply at the counter if you have held a credit card from another bank for more than 1 year). If the card is recorded Good, no overdue, and the card can be issued more quickly.

That’s it for the introduction on how to fill out the application form for a credit card.