The application process of credit card is much more troublesome than ordinary savings card, and it may take half a month or even longer to approve a credit card. So, how can I apply for a credit card quickly?

Basic conditions for fast credit card processing:

1, personal real information, copy of ID card;

In order to prove your work and income, you need a copy of your work permit. The income certificate can be issued by the unit or the individual's tax payment certificate.

Other conditions:

1, fixed assets and considerable bank deposits. If you have a stable income, good credit and considerable deposits in the bank, the bank will be happy to handle credit cards for you. You only need to bring the relevant documents to the business hall of the bank, and you can handle the credit card quickly according to the instructions of the bank staff. Even they are willing to help you in person.

2. Rapid processing of enterprise channels. Many enterprises will have cooperative relations with banks. If you are an on-the-job employee, as long as you use this condition to apply for a credit card in the cooperative bank of your enterprise, it will be easy for you to apply for a card. If the income is considerable, the overdraft limit will be higher than the general channel.

3. Encounter banking activities. Banks will quickly occupy the market and do related card-handling activities, with a high probability of success during the activities. However, when handling a credit card in this case, you must know the relevant information of the credit card, such as overdraft limit and interest.

Is there any way to get a credit card quickly? Try these three.

Credit cards play a very important role in people's lives. Many people are used to spending by credit card and then paying back, so that they can get a certain interest-free period. For many people, a credit card is not enough. You usually need two or three credit cards. If there are few credit cards, you have to apply. So, is there any way to apply for a credit card quickly? Here are three common ways to introduce yourself.

Is there any way to get a credit card quickly?

1, use a credit card to handle a credit card.

I have a bank credit card in my hand, which has been used for more than 1 year, and the credit limit is at least 10,000. The credit card is in good condition. You can apply for a credit card from another bank in this way. In fact, it is often said that cards are handled by cards.

Although it is also an applicant's credit condition to use another bank's card as a card voucher, the better the qualification, the faster the card issuance, and the amount is generally not lower than the existing credit card.

2. Go to the same bank to get a second card.

That is, the curve card application is suitable for peer credit cards, that is, old customers apply for cards in the same bank. The application method is the same as the previous card application method. In order to apply for the card quickly, you can choose online application, credit card official website or WeChat Bank, which saves the time of submitting materials for offline card application.

However, at the card level, at least one higher card must be selected, and it must be audited by the system before it can be approved. In this way, if you can apply for a card, the amount will usually be higher than other cards in the bank, but the amount of the two cards is shared, and you can apply for a leveling amount after you apply for a card.

3. Let the main cardholder handle the supplementary card.

Many people do not meet the requirements for applying for a master card, but they also want to use a credit card. If the immediate family members have a credit card and the card supports supplementary cards, they may ask the main cardholder to apply for supplementary cards. The secondary card is attached to the name of the main card, which is also fast, but it shares a quota with the main card.

The above is the introduction of "how to handle credit cards quickly", and I hope it will help everyone.

How to handle a credit card quickly?

At present, it is a faster way to apply for a credit card online, but the key point is whether your qualification can pass the application.

Credit card application requires certain qualifications, which can be considered from the following points:

Age:

At present, most banks apply for credit cards at the age of 18~60, and the personal experience pass rate is between 2 1 ~ 45. Because the current national situation in China is that 18 years old should be the age of heavy snow under normal circumstances, and students have no income, so the pass rate of 18 years old is relatively low (the number of college students is low); Similarly, 60 years old is already the retirement age, and the income is not fixed, which will also reduce the pass rate.

Stable income

The difference in professional nature will also have a great impact on the application of credit cards. High-quality industries will be preferred by banks, and the same high-risk industries will be prohibited from applying. For example, high-quality industries include: public officials, doctors, teachers, state-owned enterprises, institutions, listed companies and so on. And high-risk industries, including mining, aerial work, dangerous chemicals and other industries, are prohibited from applying, so it is also very important to apply for a credit card for a job.

Good credit

Honesty is the foundation, without which nothing can be said, so if you want to run a credit card, you must maintain good credit.

Good credit record: timely repayment, full repayment, no cash withdrawal and no minimum repayment amount all belong to good credit.

Reasonable liability: The so-called reasonable liability refers to income ≥ expenditure. If your income is less than your expenditure, it means that the machine has no basic repayment ability, which will reduce the pass rate and even refuse the visa.

Clean credit reporting: rational consumption, keeping credit reporting clean and tidy, avoiding unnecessary loans as far as possible, not applying for credit cards frequently or excessively, and keeping credit reporting clean and tidy will also improve the application pass rate.

Provide corresponding assets.

Banks are also very realistic, and it is normal to care about the poor and love the rich, so if there are enough assets to provide relevant certificates, it will be easier to pass the examination and approval.

What about pure white households?

There is always a first time for everything, so what about a bad friend without a credit history?

My personal suggestion is that you can choose according to your actual situation, such as:

If you have a high degree of education, you can consider Bank of Communications credit card first, because Bank of Communications pays more attention to education, and this kind of customer Bank of Communications is definitely the first choice.

No car, no house, no assets. What if you choose?

You can choose a bank with more banking business or running water. For example, if the salary card belongs to ICBC, the pass rate of applying for ICBC credit card will be higher, which can also improve the pass rate.

Summary: Credit card application depends on a person's comprehensive situation, including many factors, so you must apply according to your own situation, and remember not to be blind.

I am glad to answer this question for you on a hot summer day. Let's walk into this problem together, and now let's discuss it together.

I don't think white borrowers have any consumer credit records, and banks can't evaluate the applicant's credit situation. Therefore, they can only decide whether to grant the applicant a card and the height of the credit card according to the various incomes and assets provided by the applicant.

I would like to share my personal views and thoughts with you on this issue. I hope my sharing is helpful to you and you will like my sharing.

First of all, I think that to choose a bank that suits you, you must first determine which bank you want to apply for a credit card. Every bank has different preferences. For example, if you have a degree, you can handle transportation, Pudong development and attract investment. If you have proof of income, women can apply for CITIC, Guangfa, China Everbright and Minsheng Bank, car owners can apply for CCB, Ping 'an and Nothing, as well as Minsheng, China Merchants and Shanghai Pudong Development Bank. Anyway, I want to get my first card. With the first card, it will be much easier for other banks to handle it later.

Secondly, choose the card that suits you. It's the first time to apply for a card, and it's basically a Puka. This has nothing to do with freedom. How much is the annual fee free, and then the choice of card type, business card, owner card, network card, or joint card. It is also important to choose according to your own needs. Choose the card type and fill in the prepared information carefully. Online application for approval is relatively fast, and the quota will be issued after completion, and the results will be issued within three days.

Finally, the network is relatively developed now, and banks in official website have windows to apply for credit cards. In addition, in order to promote their credit cards, major banks also cooperate with some commonly used apps, such as WeChat and Alipay, which all have channels to apply for credit cards. But also convenient and quick, you can fill in the information and submit it on your mobile phone anytime and anywhere.

The answers to this question shared above are all personal opinions and suggestions. I hope the answer to this question I shared can help everyone.

Meanwhile, I hope you like my sharing. If you have a better answer to this question, please share your comments and discuss this topic together.

Finally, here I am. I wish you all a happy life, good health, a prosperous family and everything, a big fortune every year and a prosperous business. Thank you!

If you want to apply for a credit card quickly, you should do the following:

First, we should be prepared for our own conditions. First, make sure that your credit information is good, and then prepare the basic materials needed to apply for a card: ID card, mobile phone number, work certificate, income certificate, asset certificate, education certificate, fixed telephone number, social security, etc. These are all things that need to be prepared to do things that do not have these conditions.

Second, choose a bank that suits you, and first determine the credit card of the bank you want to run. Every bank has different preferences. For example, if you have a degree, you can handle transportation, Pudong development and attract investment. If you have proof of income, women can apply for CITIC, Guangfa, China Everbright and Minsheng Bank, car owners can apply for CCB, Ping 'an and Nothing, as well as Minsheng, China Merchants and Shanghai Pudong Development Bank. Anyway, I want to get my first card. With the first card, it will be much easier for other banks to handle it later.

The third is to choose a good channel. Credit card processing channels are divided into online and offline. Offline processing is mainly done at the outlet counter, together with the offline card clerk. The advantage of these methods is that you can submit proof of assets, and you can make suggestions together on your own car production, real estate, proof of assets, time to apply for a card, which is conducive to getting a card. There are many ways to apply online. Bank official channels, websites, mobile banking, WeChat official account, Alipay and cooperative third-party platforms, such as customers who shop more in JD.COM, can choose to apply for JD.COM Xiaobai cards of various banks, China Everbright, Minsheng, CITIC, China Merchants, Huaxia and Communications.

Fourth, choose the card that suits you. It's the first time to apply for a card, and it's basically a Puka. This has nothing to do with freedom. It is the number of times that the annual fee is exempted, and then the choice of card type, business card, owner card, online purchase card, or joint card. It is also important to choose according to your own needs. Choose the card type and fill in the prepared information carefully. Online application for approval is relatively fast, and the quota will be issued after completion, and the results will be issued within three days.

Fifth, get the card, dress neatly, and go to the bank outlet to activate the credit card. The counter will definitely ask you a few questions. Take it easy. You must answer the question naturally. As long as there are no big mistakes in the interview, the basic card is available and can be used normally.

After this process, you can quickly apply for the first card of a successful life. After the card is activated, it must be used reasonably and cherish personal credit. This card is easy to use, and it is easy to apply for another bank credit card.

Teach you a few tricks, and Baihu successfully applied for a credit card!

There are such people in families with difficulties in getting a card. They may have a stable job and a good income, but they have no credit history because they have never used any credit products before. These people are called "pure white households".

This is the introduction of fast credit card processing and how long it will take to finish. I wonder if you have found the information you need?