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Sanwu’s friends don’t cry. Every day when I see the card friends in the background, I can’t help but feel sad. Rejected by the bank...

Generally speaking, the "Three Nos" refers to a group of people who have no job, no RV, and no savings. It will be more difficult for this group of people to apply for credit cards because their qualifications do not meet the bank's card application conditions. Generally, banks have a card application review and scoring mechanism, which will comprehensively evaluate the applicant's employment, income, property status and other factors. Those who meet the card application requirements will be issued a card, otherwise they will be rejected. If you want to get a credit card smoothly, what should you do?

1. Beautiful bank statements

It is best to deposit into a fixed account for more than half a year, and the monthly amount is relatively stable. Of course, the higher the better.

2. Move bricks

Deposit a time deposit at the bank where the card is issued. The deposit period is preferably more than half a year, or purchase the bank's financial products. The higher the amount, the better.

3. Refresh the star rating

Some banks such as ICBC rate customers based on star ratings, and the customer's grade has a certain impact on their processing of credit cards, loans and other services. So you might as well try your best to become a star customer of the bank. The higher the level, the better.

4. Choose banks and card types rationally.

For example, it will be difficult to apply for the four major banks at the beginning. You can consider other banks. In terms of card types, regular cards are easier to apply for than gold cards and platinum cards.

5. Apply online

It is easier to apply than applying offline, so you might as well give it a try.

White accounts refer to a group of customers who have no bank credit records

Generally, these people may encounter difficulties in applying for a card because their bank records are blank

It is more common for graduates who have just joined the job. It is basically difficult if you have no homework.

1. The best thing is for the bank to go to the company to promote it. This type of bank has a relatively high card cancellation rate. Because it will copy your employment certificate, this kind of bank usually has a cooperative relationship with this company. It is not so strict for employees to cancel the card, and it can also check your monthly income and financial activities. It is relatively simple to determine how much amount to give you.

2. Another way is to go to the bank counter.

Ask the lobby manager. She will tell you what information you need. Be prepared to go to the bank branch again. Usually there is no If there are any flaws in the credit report, if there is reasonable work, the card application rate is also very good. If you are rejected, you must ask the customer service what is the reason and try to improve the reasons for the failure. Don’t rush to apply immediately. You can apply for a loan from this bank first. Debit the card, try to swipe the debit card when you go out to make purchases, and then apply again after a few months.

Generally, cardholders who already have a card can try more methods

1. Apply for a card with a card

You can try this method. Apply for some cards that are difficult to apply for

2. Follow the trend and apply for a card

This is especially suitable when the bank strongly recommends some new cards. Generally, during the promotion period, the difficulty of applying for a card will increase. Much smaller.

3. Make good use of the card and wait for the bank invitation

Some high-end cards do not accept active applications from cardholders. What cardholders need to do is to use the card well.

In addition, when submitting application materials, pay attention to the following details, which can also increase the success rate of card application:

If applying online, you need to accurately submit your ID number, validity period, etc. material.

If you go to the goods counter for processing, you must bring your ID card. For safety reasons, you can also prepare a copy of your ID card, but generally the goods counter also provides copies.

Note: The copy may indicate: This copy is only for XX bank processing and XX credit card use, and is not valid for other uses. Note that the words should overlap with the ID card, but do not cover up important information such as ID number, etc.

It can be the original employment certificate issued by the employer (please indicate the specific company name, department, position and income status, and stamp the company seal or personnel seal), or a copy of the employment certificate/plate .

Generally, large companies are easy to apply for a card due to their high reputation. If the company is relatively small, try to submit the information on paper with the company's head and the official seal of the company.

It can be salary records issued by banks, or income tax withholding certificates, or documents proving the market value of houses, cars, deposits and investments (such as real estate certificates/car driving licenses/copies of bank time deposit certificates), etc. Information proving your financial ability.

Salary statement

The bank's salary statement is a guarantee that the borrower has a regular monthly income and ensures that the loan is deducted on time. The first thing is to check the borrower's first repayment Source stability and debt capacity.

Social Security Statement

Generally, working for the same company for more than 3 months and having a record of paying social security can prove that your job is stable, and can allow the bank to estimate social security payment costs. Income before tax. It is generally a more effective credential for applying for a credit card.

Proof of deposit

If you plan to apply for a credit card from a certain bank, it is also very useful to have a time deposit of more than 3 months in this bank, or to have purchased corresponding financial products. One move.

Business License

Self-employed individuals without a business flow can provide a copy of their business license as materials for applying for a credit card, but the business license must be valid for more than 6 months and must be attached. Submit the bank statement of the public account.

Real estate and car ownership certificates

This type of information is auxiliary information, which can prove the strength of the person submitting the information to the bank. It is generally helpful in the assessment of the quota. If you are applying for a high-level or It is recommended to attach a credit card with a large limit.

Don’t underestimate the credit card application form. This is a necessary process in the card application process. Fill in the important information in the credit card application form carefully, but it can add points to the approved credit card~

Marriage and real estate 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 think you are unstable. It is recommended to prepare more proof of property (house/car/bank deposit) when applying for a card.

Own your own residence and have no loans> If you have a place to live, you can borrow money > work apartment > rent a house. If you don't buy a house, you might as well write down your home address. The length of residence is also a reference item. Generally, more than one year is more stable, and the longer, the better.

Residence address, residence phone number

"Residence telephone number" should be emphasized. Many applicants think that filling in the mobile phone number does not require filling in the residence telephone number. In fact, the bank has a "residence telephone number" "This item mainly investigates the stability of the applicant. Therefore, do not ignore this item.

Whether you own or rent a house, you must fill in your residential address. Same as your residential phone number, bank Setting this item is also to check your stability.

Work unit and phone number

Whether or not your work address can reflect whether you are working, therefore, do not fill in the application form. Forgetting to fill in the company phone number is the reason why many people fail to apply for a card. The bank will call the company phone number to check the stability of your job.

p> There is a lot of skill in filling in your income. Be sure to fill it in truthfully. Of course, don’t forget to add social security, provident fund, welfare, and year-end bonus after tax. The length of your service life directly reflects the stability of your job. It can directly show the sustainability of your income. Some cardholders are very honest and directly fill in 10/11 months of employment based on the actual situation. You may wish to fill in an estimated number of more than 1 year. Contacts are divided into two categories: immediate relatives and other contacts, family members with stable addresses, friends with stable jobs and high incomes, etc. In a word, it is wisest to fill in the stable group with no fixed job or income. /Friends and relatives with unstable addresses.

It is recommended to select the work address

There are two choices for the billing address: work address and residential address. Check the work address and it will indicate that you actually work in this company.

Summary:

Generally speaking, the information required to apply for a credit card is not difficult, but it needs to be filled in by cardholders. Although skills are one aspect, the most important thing is the qualifications of the applicant. I hope that today’s information summary can be helpful to card friends, and I wish all card friends who apply for a card will get their wish.