Major banks still focus on stimulating consumption and developing new users for credit cards, but they will gradually tighten up the user audit. As an ordinary user, how to apply for a credit card more quickly? What is the easiest way to apply for a large credit card? the first measure: credit card withdrawal, and high-frequency/high-quota spending habits. Generally speaking, the credit card quota represents your credit level and repayment ability. The criteria for identifying high-quality customers in banks can refer to the application criteria of credit card gold card users or brick card users. If you want to promote the bank's high-quality customers, it is essential to develop the habit of spending more with credit cards. Generally speaking, the credit card spending exceeds one-third of the quota for several months in a row, and the credit card spending more than 5, yuan a year is likely to be recognized as a high-quality customer. Therefore, it is recommended that card friends spend as much as possible when they can swipe their credit cards in their daily lives.

The second measure: Good credit record is the key. The 214 annual report shows that most bank credit cards are overdue. Today, with the gradual compression of bank profits, overdue credit cards bring more suffering to banks. From the bank's point of view, for some "dangerous customers", the bank would rather not issue cards to him than bear the risk that his credit card consumption may become bad debts. Therefore, it will be more and more difficult for applicants with bad personal credit records to apply for credit cards.

the third measure: when applying for credit cards in industries/companies with high ratings, although the materials submitted are similar, people of different occupations have different positions in the eyes of banks. High-quality occupations are easier to be approved by bank credit cards, and civil servants, doctors, teachers, senior technical titles, certified public accountants, practicing lawyers, military officers above school level, top 5 employees, etc., all of whom can provide effective professional certificates, belong to high-quality customers of banks. According to insiders, when identifying high-quality customers, they will be graded according to their professional conditions, such as administrative positions at or above the official level; Occupation classification is the person in charge of state organs, party organizations, enterprises and institutions; Professional and technical positions are senior; Officers at or above the senior colonel level; Counsellor level or above in foreign diplomatic institutions; Above the first-class police inspector (inclusive); Ambassadors and embassy staff of various countries in China are usually recognized as high-quality customers. Some kinds of jobs are not so popular with banks, and they are often rejected when applying for cards. For example, public security law, service industry, real estate agency, sales, special industry crowd and so on. Some banks also have strict requirements for the applicant's company (this project is generally not reported outside). For example, Citibank needs the applicant's company to be on its internal "quality customer list". Simply put, the company must be registered for more than 3 years with a registered capital of more than 1 million. If there is no other way, it is also a good choice to jump to an industry/enterprise with high bank rating.