There are several key points in applying for a credit card, such as work, income, personal assets and the use of other bank credit cards. The bank will consider them comprehensively ~ I will tell you all kinds of situations and relationships below ~
Above all, the most important thing is work. If the work unit is Class A, any bank is easy to handle ~
Followed by personal assets certificate ~
At the same time, if you have other bank credit cards before, you will also refer to your credit history. If you have serious subjective and malicious arrears in the past, it is difficult to approve the card under any circumstances ~
1. Do you have any credit cards from other banks for more than three months? If so, the credit card limit can be seen in any bank's information sharing system, so the credit card limit of this card will be higher than that of other banks for more than half a year ~ the purpose is to improve the utilization rate of the card, because most people like to use high-limit credit cards ~
2. If the credit cards of other banks lend money within three months from the date of your application, it will not be considered ~
3. if there is no credit card before, the work unit is not a class, and there is no real estate license under the name, the amount will not be too high, about 6000 ~ Puka.
4. If you don't have a credit card, but your work unit is Class A, that is, government agencies, institutions and civil servants, the quota can be more than 10,000, and it is a gold card ~ for example, China Bank and China Everbright Shanghai Pudong Development Bank.
5. if you have a job, you are not a class a company, but you can provide proof of property, such as cars and real estate, with the same amount of more than 10 thousand, which is a gold card ~ ~ such as Shenzhen development.
6. If you have a job and are not a class A company, but you have a credit card with a credit line of 1000 yuan from other banks, and you have used it normally for more than half a year, and there is no overdue phenomenon, you can also apply for a gold card, such as Minsheng.
7. If you don't have a credit card from another bank, have no formal job and are engaged in self-employment, you can provide a business license and attach proof of personal property, and you can apply. According to personal business projects, income and credit line, if you want to apply for a high line, you can attach a tax payment certificate, and your income is real, and you can also award a gold card ~
Supplementary, if any of the above conditions are met. You can go directly to the bank outlet to handle your favorite credit card type. All applications are free.
Secondly. Handling a credit card has nothing to do with your debit card ~
I hope I can help you ~