I was lucky enough to meet a big credit card coffee the day before yesterday. He has almost all the bank credit cards he can hear, with a total amount of not less than 2 million. I can't help admiring them. Today, Lezhi will summarize, what conditions can guarantee that the application for credit card 100% will pass?
In fact, it is not difficult to apply for a credit card, as long as the following conditions are met:
1. If you want to apply for a bank credit card, you should open a savings card in that bank for more than half a year, and ensure that the average daily balance is more than 10000 yuan, the more the better. The so-called average daily balance is overnight, and the bank flow that enters and leaves on the same day is invalid, no matter how high the amount is. For example, if you deposit 100000 in a savings card for 30 days, then the average daily balance for these 30 days is 100000, and so on.
2. Online banking and mobile banking services have been opened in Shenka Bank for more than 6 months. At the same time, ensure that the average daily balance is more than 5000 yuan, for the same reason.
3. There is a salary card issued by the bank applying for a credit card, and the monthly salary is not less than 1, 500 yuan, lasting for more than 6 months, preferably 1 year.
4. If you have a housing loan and want to apply for a CCB credit card, you need to repay the mortgage for 3 months, and it takes 6 months to apply for other bank credit cards.
5. If the house area owned by the applicant is more than 70 square meters or the value of the house reaches 1 10,000 yuan, the applicant will have the opportunity to directly issue the platinum credit card with the amount of110,000 yuan.
6. Applicants who own non-operating cars with a car value of not less than 100000 can apply for credit cards from multiple banks.
7. The social security or provident fund has been paid continuously for 6 months in the current work unit, and the monthly payment amount is not less than that in 200 yuan.
This is the basic condition for applying for a credit card. If they all meet the requirements and the credit records are good, then the credit card application for major banks is almost 100%. The credit card amount applied for is not necessarily high, generally ranging from 50,000 to 654.38+million, and some from 65,438+00,000 to 30,000. If the credit limit is not satisfied, you can use the card to increase the credit card limit later.