1. Fixed deposit. Regardless of which bank the time deposit certificate is deposited in, it can be used as proof of assets when applying for a credit card. However, it should be noted that 10,000 or 20,000 is definitely not enough. At least a time deposit of 50,000 or more is required. The higher the amount, the better; if this time deposit is with If the credit card you want to apply for belongs to the same bank, the success rate of applying for the card will be greatly increased.

2. If you don’t have a fixed deposit, choose your favorite bank first and deposit a sum of money one month before applying for the card. As the saying goes: If there is money in the card, the bank will not panic. This is a reassurance for the bank. This method needs to be matched with the bank flow within 6 months.

3. If you have a car, get a car owner card. Compared with the cumbersome information that ordinary people need to provide when applying for a credit card, the car owner card requires less information, just a driving license, and the application success rate is much higher than that of ordinary credit cards. The Guangfa Car Owner Card can also enjoy special services such as free roadside assistance and optional refueling discounts. It is really a must-have card for home travel. You can only apply for a car owner card if it is a family car in your name. You cannot apply for a truck or a passenger car.

4. If you really don’t have money on hand, here is a way for reference: first choose a commercial bank that is easier to apply for a debit card, such as CITIC Bank and Everbright Bank; then choose a fixed time to deposit every month When depositing your salary, it is best to keep the amount stable each month, and keep as much as possible, and keep the deposit receipt; after the last six months, take the deposit receipt and debit card to apply for a credit card.

5. Other reference materials that can be provided include rental contracts, water and electricity bills, etc.

6. When purchasing bank financial products that require a credit card, the success rate of card application will be much higher than the above points. The reason is very simple: the starting purchase amount of bank financial products is 50,000. If you have spare money, go to Financial management, at least the economic situation is good. In addition, financial management also contributes a lot to the bank's income, so this is the best shortcut for applying for a credit card as a freelancer.

Because this group of people lacks a traditional requirement for applying for a credit card: having a stable job, they are easily rejected when applying for a credit card. Here are some strategies for freelancers to apply for a credit card. For reference for freelancers.

A: If you own fixed assets: real estate in your own name, a car in your own name, you can go to the bank with a copy of your real estate certificate, driving license and personal ID card to apply. In this case Applying for a credit card is very easy and the approval rate is very high. It should be noted that the property and car must be in your own name. It will not help to apply for a credit card if it is in the name of your parents or spouse.

B: If you do not have fixed assets in your name, but have large savings in the bank, you can bring the deposit and ID card to the bank branch to communicate with the lobby manager and obtain the application form. Generally, as long as you If you have a large amount of savings in a bank, your application for our bank's credit card will be approved. Once you apply for a bank's gold or platinum card, you can present the credit card at a credit card stand in the mall and apply for other bank credit cards.

C: If you have neither fixed assets nor large savings in your name, but have a stable source of income, for example: for webmasters, there are advertising fees from the alliance every month , for freelance writers, there is media remuneration every month. In this case, you can go to the bank with which you have transactions to obtain a bank statement and apply to the bank. If your source of income is relatively stable, your application success rate is still very high. ?

D: If you have no fixed assets in your name, no large savings, and no stable bank income, it will be difficult to directly apply for a credit card. It is recommended that you consider applying for a credit card through a friend's company. Come apply and ask your friend’s company to issue an income certificate. Special reminder: This method of application is only for help from familiar friends. Do not try credit card agency companies on the Internet, which are 100% scams.

Friendly reminder:

For type A situations, the success rate of applying at various banks will be relatively high (because each bank can query the fixed assets in your name through the personal credit database) . ?

For Category B situations, it is recommended to apply at the bank where large savings are located. In this case, the application success rate is very high at the four major state-owned banks (Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China, and Bank of China).