1. Choose a bank that is easy to get a card.
If you can handle credit cards issued by banks (salary cards, social security IC cards, etc.). ) those who cooperate with the applicant company should do as much as possible. First, it is easy to get a card, and second, the amount will generally be higher.
Choose commercial banks that are easier to handle cards, such as Bank of Communications, China Merchants Bank, China CITIC Bank and Ping An Bank. The threshold for the above banks to apply for cards is relatively low, and there is not much information to be provided. You only need work certificate and education to apply for a card. With several commercial bank credit cards, you can use them to handle cards, and it is much easier to withdraw cash from them.
2. Choose an application channel that is easy to get a card.
The advantage of online application is that the process is fast, the information directly enters the bank credit card center, the bank reviews online, and the express card is issued. In addition, the verification rate of online application is higher. The disadvantage is that it mainly depends on whether the applicant has a job. Without a job, it is difficult to apply for a credit card online. In addition, the approved amount is relatively low.
It is the first time to apply for a credit card, especially for office workers with stable jobs. You can try to apply online to ensure that you can get a card as soon as possible.
3. Provide the following information to improve the success rate of card processing.
Copy of the company's income certificate, business card and work card: these are the best descriptions of the current work situation, and there is often a work card of a state-owned enterprise or a business card of a civil servant.
Social security certificate: You have worked in the same company for more than 3 months and have a record of paying social security, which can prove that your work is stable. You can estimate your pre-tax income by querying the social security payment bank.
Proof of deposit: If you intend to apply for a credit card of a bank, the best way to apply for the card and withdraw the amount is to have a large time deposit of more than 3 months in this bank.
Other property certificates: such as real estate license, vehicle certificate, financial product certificate, etc.
4. It is skillful to fill in the application materials.
Provide a valid company fixed telephone or home fixed telephone;
The company name and address are correct;
The mailing address must be filled in with the address where the courier can be received, and it is best to write the company address;
The higher the annual income, the better. In addition to the basic salary, you can also add bonuses, investment income and other income.
It is best to work in the current unit for more than one year.
It is skillful to answer the phone of the bank.
Remember the application materials, and don't have inconsistent answers and application materials;
Say hello to the company's front desk in advance, and don't miss the bank call;
Keep the environment quiet and don't answer the phone in a particularly noisy environment;
Take the initiative to provide information that is beneficial to you and so on.
Question 2: The four major state-owned banks that handle credit cards for the first time basically refuse to approve you.
If you want to apply for a card, you can try Bank of Communications or investment promotion, and you can also try people's livelihood. The amount depends on your unit and whether your income is stable. Personal opinions are between 5000- 10000.
There is no charge for handling cards.
You lose a lot of points in a job, and the comprehensive score will hold you back. Now that the income is unknown, the bank can judge your income at a glance through your unit.
Question 3: What are the procedures for handling a credit card for the first time? Hello, landlord
Now the bank credit card processing procedures are simplified and there is no need to pay a deposit.
Just go to the bank counter and fill out the application form, and provide a copy of ID card, proof of work income, proof of education and other assets (at least one proof). If it passes, the card will be received in about 1 month.
I personally recommend CCB and ICBC cards because of their wide coverage and many ATMs.
Landlord, if you have no fixed income and fixed assets, it is impossible to apply for a credit card.
Or you need to find a guarantor, for example, if your parents don't have a guarantor, the bank generally won't do it.
Malicious overdraft (as long as it is afraid of bad debts)
Question 4: How to apply for a credit card for the first time: 1, at least 18 years old; 2. Hold a valid ID card; 3. No bad credit record; 4. Have a fixed work certificate; 5 proof of income stamped with the financial seal of the unit; 6. Other financial certificates, such as real estate, automobiles, stocks and bonds. 7. Social security certificate; The first three are the most basic conditions. If you can provide 4~7 supporting materials, it will improve the success rate of application and credit limit.
Bring your certificate and personal credit and economic proof (such as income or work certificate, or car book, household registration book, etc.). ) apply to the bank or contact the bank credit card salesman.
Question 5: Which bank is better to apply for a credit card for the first time? 1, and my own debit card in a bank, which is convenient for repayment (automatic repayment).
2. Banks with many outlets and banks close to their homes or units are also convenient for repayment.
3. Choose a multi-function credit card. I recommend Minsheng Bank.
Question 6: This is my first time to apply for a credit card. How much can I overdraw? It depends on how much quota you can apply for. This is the amount given by ICBC's evaluation system after scoring you.
After the application, it will take some time, about two weeks. If it passes smoothly, you can get the card, then call to open the card, and you can start overdraft.
Not all credit cards have a high limit. Icbc issued a letter subscription card with a quota of 0, which is to increase the quota by means of consumption. Such a card can only save money before consumption, and then increase the limit through consumption records, and then it can be overdrawn. However, such cards are rare.
Question 7: Which bank is better to apply for a credit card for the first time? Transportation, Guangfa feels that it used to be easier to apply, but now it may be stricter.
The bank where the salary is paid is the bank with the highest success rate. You can also try China Merchants Bank.
Question 8: How much does it cost to apply for a credit card for the first time?
Question 9: What is the credit limit of the first credit card? Usually it's 3000 yuan,
Question 10: How much can I get from my first credit card? Generally speaking, credit card limit classification:
Puka quota: 3000 yuan to 10000 yuan.
Gold card limit: 10000 yuan to 50000 yuan.
Platinum card limit: more than 50000.
The conditions that affect the credit card limit are as follows:
1. Personal conditions
Applicants meet the most basic application conditions and can only guarantee to apply for a credit card, but may encounter a "zero" quota. In order to avoid this situation, the applicant must have a fixed job and a stable income, with a monthly salary of more than 3,000 yuan. In addition, the applicant must ensure that personal credit information is good and there is no serious bad record.
2. Economic situation
The economic situation will directly affect the credit limit of the cardholder. The better the conditions, the higher the credit limit. Economic conditions mainly include real estate, automobile production, deposits and so on under the name of the cardholder.
3. Other conditions
The applicant's gender, age, position, education, etc. It will also affect the credit card limit. In some banks' auditing standards, the applicant's marital status is even one of the reference conditions.