Many users have good credit when they apply for a card, but they are rejected when they apply for a credit card, probably because the income of the users can't meet the requirements of the bank. After all, income is the source of repayment for users, and failure to meet the standard means that users have weak repayment ability. So, what is the monthly income to get a credit card? Handle credit card skill sharing!

When applying for a credit card, the credit card application platform has requirements for the borrower's income, but there is no fixed standard for how to apply for a credit card for specific income. But under normal circumstances, at least the monthly income should reach more than 3000. The higher the income, the stronger the repayment ability of users. However, income is not the only reference factor for applying for a credit card. To improve the success rate of applying for a credit card, users need to master some card handling skills.

1, shop around. Different banks have different credit card application thresholds. Some banks have a large number of credit cards, so it is difficult to apply for credit cards. It is very difficult for some banks to apply for credit cards, and users with average qualifications are easily rejected. So when applying for a credit card, you should pay attention to shopping around. For example, China Merchants Bank, CITIC and other commercial banks have relatively low credit card application thresholds, and the probability of successful card issuance is relatively high.

2. Select the appropriate card level. For newcomers, it is best to choose ordinary credit cards for the first time, because the threshold for applying for ordinary credit cards is low and there are not so many requirements for applicants. Of course, if users think their personal qualifications are good, they can also choose to apply for other types of credit cards.

3. Bank counter application. You need to provide more information when you apply for a credit card at the bank counter. Although the threshold for applying for a credit card at the counter will be higher, the success rate is also higher, because the more application materials are provided, the better the bank knows about the users, thus improving the success rate of handling cards.

Therefore, users still need to have a certain source of income when they apply for a card to prove that they have enough repayment ability, so as to gain the trust of the bank and help improve the success rate of card application. However, users also need to consider the demand and repayment ability when handling the card, and make reasonable loans within the scope of economic permission to avoid unfavorable situations such as overdue.