First, integrate personal information.
1, personal basic information
This is very important. Banks attach great importance to the information consistency of applicants. If the personal basic information on your credit information is quite different from the information filled in when you apply for a card, it is likely to be rejected. Therefore, Bian Xiao suggested that card friends can unify information according to the technique of "credit information integration 1 1", so that it can be done once and for all. If you haven't studied it, you can consult Qin Xiao WeChat.
2. Number of queries
No more than three times a month, no more than nine times in the last three months, is the most perfect. When the bank releases water, the number of times is a little more, but if it exceeds too much, it will be difficult to successfully release the card, let alone the big card. How to optimize the query overrun will be explained in detail in the free live course. If you want to learn, you can consult Qin Xiao WeChat.
3. Personal debt ratio
Banks also attach great importance to it. If your overall debt is too high, it will also affect the credit line given to you by the bank. Therefore, reducing the total debt ratio to below 80% (preferably 60%) is helpful to the success rate and credit limit of card processing before card processing.
Second, choose the type of card.
1, card type level
All of the above is done, that is, the choice of card type. If you want to apply for a large credit card of 5w+, Puka and Gold Card are definitely not acceptable. Although the threshold is low, the upper limit of the card amount is 5-6w, so it is better to choose an entry-level platinum card. All major banks in official website have entry-level platinum cards. You can apply directly when you are ready in the early stage.
2. Special card type
In addition to the regular card types, every bank has a foreign currency single currency card and a dual currency international card. These two types of cards are the easiest to issue large-value cards, because the credit line of foreign currency card organizations is higher than that of UnionPay single-currency cards, and the application threshold of foreign currency single-currency cards is lower than that of dual-currency international cards, so they are the best choice. After the card is issued, you can spend a sum of foreign currency to apply for a dual-currency card or UnionPay card, and the credit line is directly leveled, which is very powerful.
Third, use cards to handle cards.
At the bank, you have a credit card that has been used for more than one year and the level is not lower than that of a gold card. The amount itself is not low, and then you can apply for a platinum card from another bank or above. In addition, it is recommended that you go to a bank outlet to apply for a card, submit a gold card as supplementary information, and provide financial proof such as name, real estate and real estate, and you may also get a large credit card.
Fourth, move bricks.
1, average daily deposit balance
The meaning is very simple, that is, the more points you get from the remaining balance in your savings card every day, the total personal points in this part can be increased by three months. For example, many banks' high-end savings cards require deposits to meet the standards. As long as you meet the standards continuously, you can directly apply for the high-end large credit card of this bank.
2. Time deposit
If conditions permit, you can deposit it directly for 1-5 years, usually above 10w, and you can also increase your personal points, which is helpful for applying for a large credit card.
3. Financial management, funds and fixed investment
These projects are the same. The more money you buy, the better However, it should be noted that you must buy products issued by banks for at least 3 months. If it is sold by a bank, it won't help much. Try to buy products with guaranteed capital to avoid your own financial losses.