Credit card information filling skills

1. My mobile phone number in real-name registration system (the mobile phone number and ID card must be the same person, and the longer the mobile phone number is used, the better, and it is best to have the same mobile phone reserved by multiple credit cards).

2. The current work unit and residence address should be at least 3 years, that is, they should not be changed frequently, which is the basis for the bank to judge whether you have a stable job.

3. It is best to work and live in the same city, and it is best in the urban area.

4. Email (the longer you use it, the better).

5. Fill in junior college for academic qualifications, junior college for non-junior college, and above junior college can't be filled in randomly.

6. In terms of income, the annual income should be above 8,; The general income is 8,-3,, which is assessed according to the nature of the individual's work unit, working years and age.

7. Fill in the marital status truthfully.

8. Credit card applications should not be frequent. Do not apply for credit cards more than three times a month. No more than 6 times in half a year. If you want to apply for more than one credit card, it is recommended to apply for more than one on the same day, because the credit information is T1 update. In this way, you can't see the inquiry records of other families during the examination and approval.

Extended information:

Credit card application:

In most cases, citizens with full civil capacity and certain direct financial resources can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

people who apply for credit cards can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China. Each unit can get a main card and several (5-1) supplementary cards when applying for a credit card. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

generally, the application method is to fill in a credit card application form, and the contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant. And submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate. The application form is accompanied by a contract for using a credit card. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, submit a statement on the authenticity of the information, the privacy protection policy of the issuing bank, etc., and must have the applicant's autograph. [9]

Review

After receiving the application form and relevant materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the review mainly include whether the contents of the application form are true or not, evaluating the credit degree of the applicant, and reviewing the relevant information of the guarantor for the individual.

usually, the bank will examine the applicant's various information and economic situation according to the application materials to judge whether to issue a credit card to the applicant. The factors considered are the applicant's past credit history, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. The standards of different card-issuing banks are also different. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.

card issuing

after the applicant successfully applies for a credit card, the card issuing bank will open a separate credit card account for the cardholder at the card issuing bank for shopping, consumption and settlement after cash withdrawal.

how to fill in the credit card application materials

many friends want to apply for a credit card to cope with the expenses of going home to visit relatives, wedding gifts, dinners and entertainment, so what should they pay attention to when applying for a credit card for the first time? How can I get a credit card quickly?

the credit card salesman will submit you a card application, and the following contents need to be filled in carefully. Online application also needs to fill in relevant information.

1. Basic information

1. Marital status

Married and childless, married and childless. Just fill it in according to the facts. If you are over 3 and unmarried, the bank will think you are unstable. It is recommended to prepare more assets documents (house/car/bank deposit) when applying for the card.

2. Home Phone

"Home Phone" should be emphasized. Many applicants think that it is not necessary to fill in the home phone number. In fact, the bank's "residential telephone" mainly examines the stability of the applicant. So, don't ignore this item.

3. Residential address

Whether you own or rent a house, you must fill in the residential address. Just like the residential telephone, the bank is setting this item to check your stability.

4. Residential conditions

Self-owned houses have no loans. Self-owned houses have loan units to rent apartments. If you don't buy a house, you might as well write your address in your hometown.

the length of residence is also a reference item, which is generally stable for more than one year, and the longer the better.

2. Occupation information

1. Address of work

Whether you have a work address can reflect whether you are working or not, so don't leave it when filling out the application form.

2. Company Phone

Forgetting to fill in the company phone number is the reason why many people fail to apply for a card. When the bank calls back, it will call the company to check the stability of your work.

3. Income

There is great skill in filling in income. Fill it in truthfully and don't make it up. Of course, don't forget to add social security, provident fund, welfare and year-end bonus on the basis of after tax.

4. Length of service

The length of service directly shows the stability of your work, and also indirectly shows the continuity of your income. Some card friends are very honest, and directly fill in the post for 1/11 months according to the actual situation. Here, you may wish to fill in an estimated number, more than one year.

III. Contact information

1. Contacts

Contacts are divided into immediate family members and other contacts, family members with stable addresses, friends with stable jobs and high incomes, etc. In a word, it is the most tactful way to fill in the stable groups that banks can rest assured of. It is not recommended to fill in friends and relatives who have no fixed job or unstable income/address.

IV. Address of statement

1. Address of company

There are two options for the address of statement: address of company and address of residence. Tick the address of company to show that you really work in this company.

How to fill in a credit card to pass

Generally, the application method is to fill in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information.

and submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate.

the application forms are accompanied by a credit card use contract, and the applicant authorizes the issuing bank or relevant departments to investigate its relevant information, and submit a statement on the authenticity of the information, the issuing bank's privacy protection policy, etc., with the applicant's autograph.

after receiving the application form and relevant materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the review mainly include whether the contents of the application form are true or not, evaluating the credit degree of the applicant, and reviewing the relevant information of the guarantor for the individual.

usually, the bank will examine the applicant's various information and economic situation according to the application materials to judge whether to issue a credit card to the applicant. The factors considered are the applicant's past credit history, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand.

the standards of different card-issuing banks are also different. therefore, different banks may issue different credit lines and different types of credit cards for the same materials, and even some banks will pass the examination and some banks will refuse to issue them.

Extended information

Because credit cards are convenient and fast to use, coupled with the rapid development of science and technology, the security problems faced by credit cards are becoming more and more serious due to the mechanism of first consumption and then payment, and major international credit card groups and global card-issuing financial institutions are facing severe challenges. The security problems of credit cards are mainly divided into the following five aspects:

Credit cards: criminals or criminal groups use fake or invalid cards (expired/lost and invalid/damaged tapes, etc.) to pretend to be genuine cards and directly deceive merchants or card issuers.

cardholder: the card is improperly kept/handled (expired/invalid credit cards are not destroyed, or lost and not immediately invalidated, etc.), and personal identity information is inadvertently stolen or defrauded. In order to avoid such problems, citizens should not easily provide personal identification information, and it is best not to entrust others to handle credit cards.

consumer merchants: the service staff overshot the cardholder during the consumption process, or stole his credit card information to other merchants for consumption. This situation can happen whether it is a physical business or a network virtual business.

card issuer: the computer system is maliciously invaded, stealing the basic/transaction information of customers. There are also unscrupulous cases in which employees in the organization are inside the house and steal from themselves, or the inside is magical and the outside is evil.

trading system and mechanism: as long as it is made or handled by human beings, human errors and omissions are inevitable; No matter how rigorous the trading mechanism is, with the world-class trading system from confirmation to settlement, it is still possible to be invaded, and the so-called "invasion" actually has differences in hierarchy.