Things about filling in credit card information
Before talking about filling in credit card application information. We need to talk about some preparation and packaging of personal data. If the individual is a normal office worker. Then your personal information does not need to be packaged, just pay attention to some skills when filling it out.
If it belongs to other things, such as individuals, etc., some data packaging needs to be done. In fact, the most important thing in information packaging is a real company and a landline number that can be reached. These are required by the card issuer. With the company and landline, we don’t need to do any complicated packaging.
I have already explained to you the core issues of data packaging. Next is today’s topic, the correct way to fill in credit card application information. I have summarized the following key points for your reference.
1. Basic personal identity information
There is actually no need to go into detail here. The only important point is to start with academic qualifications. If it is a bachelor's degree or above, just fill it in truthfully. If you do not have a bachelor's degree or above, it is recommended to fill in a college degree. Banks are not sensitive to bachelor's degree or below. And it won’t be verified. Because academic qualifications below a bachelor's degree cannot be found on Xuexin.com. Don’t fake your academic qualifications.
Of course, there is another important question here. Regarding marriage issues, everyone is in whatever situation they are in, although the bank cannot find out your marriage information specifically. But don’t think that being married has a higher rate of card withdrawal than being unmarried. In fact, there is no necessary connection between the two.
2. Personal work income information
1. Unit
For unit, fill in the unit where you work or the company you are affiliated with, as long as the bank can query it Basically there is no big impact. It is recommended not to affiliate with companies that are too well-known. This will instead be monitored by the bank. Try to match your actual situation. The Fortune 500 is generally not something anyone can get into if they want to. But if you are, then perfect. It only takes a matter of minutes to get rid of the card.
2. Work phone number
This phone number is very important, although not every bank will call it. But if it’s a fake call, don’t expect a high card withdrawal rate. Make sure you can get through. No matter who answers the phone after you get through, make sure the person who answers the phone knows you.
3. Job position
The job position is generally a manager. There is no need to pursue high positions, and certainly don’t fill your position too low.
4. Work income
80,000-150,000 is the standard, no higher or lower will do. If it is lower, the bank will doubt your ability to repay the loan and affect the credit limit. If it is higher, the bank will want to grant you a higher credit limit, but it may require you to submit proof of personal income and bank statements. That would be embarrassing.
5. Card delivery address
Generally, individuals recommend choosing an organization for the delivery address. This makes it look more real. Of course, this does not mean that it is not good to choose a residential address for mailing. I'm just saying it's best to choose your work address.
3. Card level issues
Here is a small tip: In fact, many banks try their best to issue cards to customers. Kenneng will add an extra column to the application materials to remind customers if they are willing to accept other cards or other low-level cards if the card they applied for cannot be accepted. It is recommended that everyone check the box. Again, when applying for a credit card, you should first pursue the card purchase rate, and then pursue the card purchase limit. If you can’t get the card, what’s the point of talking about the credit limit?
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