How to apply for a credit card with a high success rate? Take a look at these tips

Although Bank of Communications credit card is not as popular as the four major banks, the application threshold for applying for a card is relatively low compared to the four major banks. Many novices with white accounts are doing it for the first time. Most people who apply for a credit card choose Bank of Communications. As long as your credit report is good and you pay attention to the bank and choose a suitable card type for application, the chance of applying for the card is very high, so today Xiao Qin will share with you how to apply for a Bank of Communications credit card. Special skills, if you are interested, please continue reading!

1. Good credit report

The most basic condition is that your credit report is good and not overdue. If your credit report has overdue records within 2 years, or the number of inquiries in 3 months, Don't blindly apply for a credit report that may lead to confusion. Pay attention to the bank, optimize your personal credit report, and use special techniques to "create the 3 N's of credit report" to cover up your bad records. Cardholders who know the operation can consult Xiaoqin on WeChat.

2. Application channels

It is best to apply online for a Bank of Communications credit card, that is, apply directly in the Bank of Communications APP or Pay Bar APP. Now there is no application threshold for Bank of Communications credit cards. High, so it is still very easy to pass. As long as your credit report has no overdue records in the past two years, as long as you are not rejected immediately after completing the application process, and you receive a text message prompting a follow-up call, you are basically stable.

3. Issuance of salary card on behalf of others

If you have a card to issue salary on behalf of Bank of Communications, and the continuous payment period is more than 3 months, you can go to Bank of Communications with the transaction records of your salary card Applying for a credit card, this is a natural attraction. As long as there is no problem with the credit report, the card application rate is very high. The limit is determined based on the amount of wages paid on behalf of the card. Therefore, for cardholders who have wages paid on behalf of others but not high, it is recommended to create one at the same time. The transportation savings card is effective in overnight interest settlement, which can greatly increase the amount of the card.

4. Fill in the application form

As long as your "Credit Reference" and "Application Form" fill in the bank's system review standards (which is what we often call the comprehensive score), that is You can apply for the card easily. The specific details to fill in the application form are as follows:

1. Educational qualifications: write college if below college, fill in the above authentically;

2. Marital status: 25 years old For the above, you can write married, which means stable;

3. Residential address: required, accurate to the house number;

4. Residential status: fill in that you own your own residence and have no loans;

5. Work address: required, choose the work address as the card collection address;

6. Work phone number: required if you have a landline, extra points;

7. Nature of the unit: It is best not to be: construction, real estate, light trade, finance, services. If these industry categories cannot be avoided, then when filling in the position, try to be "administrative, management, and technical positions";

8. Contact person: It is best if you have a credit card from our bank. If you don’t have one, you must fill in a family member or friend with a good credit report;

9. Annual income: no more than 120,000. 120,000, if it is greater than 120,000, fill it in truthfully, and then combine it with the previously mentioned skills to create "effective overnight interest settlement" for savings cards, match the corresponding values, and the effect of placing cards in batches in seconds is excellent!

5. Recommended Card Types

1. Standard Gold Card

Generally speaking, you should not choose Standard Platinum Card because the review requirements are very high and it is easy to be rejected. ; Don’t choose the standard regular card, because the review qualifications for the regular card and the gold card are the same. As long as you pay attention to it, the success rate and quota of your application will be good.

2. Y-POWER Credit Card

This is a card type launched by Bank of Communications specifically for young people under the age of 30, so the qualification requirements for applicants are not high, as long as they apply There are no serious stains on your personal credit report. (If there is a bad record on your credit report, it is recommended to optimize it before applying, so the pass rate will be much higher.) Non-college students with a stable income can apply. The card is characterized by ultra-low cash withdrawal fees, ultra-high cash withdrawal limits, and the ability to participate in many activities such as Bank of Communications' Redtest Friday.

3. Jingdong PLUS Platinum Card

Although this card is a platinum card, it is a small platinum card. In addition, it is a co-branded card, so the overall application threshold is not high. And judging from the feedback from small partners, the quota is not bad, the minimum approval is 20,000, and the benefits are also very good, especially for new households.

Tips for applying for a credit card

1. Choose a credit card that is easy to apply for. Generally speaking, commercial bank credit cards are better than state-owned credit cards. Bank credit cards are easy to apply for, and state-owned banks have strict approval requirements. If your qualifications are not good enough, it is not recommended to apply. You can consider some commercial banks with less strict approvals, such as CITIC, China Merchants Bank, Shanghai Pudong Development, Guangfa, Everbright, etc.; the credit cards recommended by banks are more biased. It is easier to apply for a higher-level credit card; it is easier to apply for a lower-level credit card than a higher-level credit card, and so on.

2. Choose a card according to your own use

1) Introduction to food, drink and entertainment: All cards except air miles, introduce China Merchants Bank Young Card, Bank of Communications ypower card, CITIC Card, Everbright Card;

2) Shopping introduction: supermarket co-branded cards, introducing CITIC Carrefour card, Bank of Communications supermarket co-branded cards;

3) Business travel needs introduction: various airline co-branded cards, introducing Pudong Development Eastern Airlines or China Southern Airlines Card;

4) Travel and study abroad: various all-currency cards, including CITIC All-Currency Card, China Merchants Bank All-Currency Card, HuaXia All-Currency Card, and Bank of China Great Wall Card.

3. Fill out the application form skillfully

When filling in the credit card application form, you must fill it out skillfully and fill in the information as completely as possible.

1) In terms of academic qualifications, higher education can add points, at least a bachelor’s degree or above;

2) Housing situation, owning a house can add more points;

3) The longer the working experience, the better, and the higher the job position, the better;

4) The higher the annual income, the better. You can include expected investment returns, bonuses, etc. in the annual income;

5) Fill in the work address and home address truthfully;

6) Provide valid work and home landline numbers;

7) Bonus points for being married with children Many;

8) Fill in valuable contacts, etc.

4. Novices can go to the counter to apply for a card

For novices, it is more reassuring than applying at the bank counter. When applying at the counter, the relevant person in charge will guide you in all aspects of filling out the form, applying, etc., which can effectively improve the success rate of card application. Moreover, the bank's lobby manager will ask the applicant about the purpose of applying for a card and consumption needs, and introduce the most suitable card type to the applicant, eliminating the need for the applicant to make inquiries on his own. And when applying at the counter, you can provide more sufficient proof of property, such as real estate, vehicles, deposits and other information, and applicants can often get a very good initial credit limit.

Relatively speaking, online application will be more convenient. If novice users apply online, the bank will usually conduct a pre-examination, and then the local bank branch will send a dedicated salesperson to assist the applicant in filling out the application. form and submit additional information. The amount may be lower, but it saves the applicant time of traveling back and forth. When applying for a second credit card from the same bank, applying online may get approval in seconds, which is far more convenient than applying at an outlet.

How can a credit card be passed quickly? Master a few skills

To apply for a credit card, you need to go through three steps: application, review, and card release. Among them, credit card review takes a long time. If you want your credit card to be approved quickly, you can use some techniques to shorten the review time. Let’s take a look.

1. Online application

Online application is convenient and fast. The submitted information is sent directly to the credit card center, which saves the time of submitting information. The bank can apply as soon as it receives the information. Friends who pass quickly can choose this method.

Especially for non-white households, after applying for a credit card from a bank, you can apply for some commercial banks with low thresholds, such as Minsheng Bank, Industrial Bank, etc., and you will get the result in as fast as 5 minutes. However, when applying online, non-first-time card customers will generally be asked to go for an interview. The credit card can only be activated after the interview is successful.

2. Sufficient preparation of application materials

If you are applying for a card offline, you generally need to provide paper materials, so you need to prepare all the necessary materials. If you prepare If the information is insufficient, the bank will ask you to supplement the information before approval, so the review time may be longer. On the contrary, the more complete information you provide, the faster the bank will approve it.

General information includes a copy of your ID card, proof of employment, and some may ask you to provide bank statements. This depends on the bank.

3. Provide proof of financial resources

When applying for a credit card, the bank’s most important thing is the cardholder’s repayment ability. If you provide real estate, cars, and financial products when applying for a card, Other information shows that the cardholder's financial ability is relatively good. In the absence of large liabilities, the bank does not need to spend a lot of time assessing the cardholder's repayment ability, which will definitely shorten the application time.

4. Give priority to banks with which you have business relationships

Applying to banks with business relationships can also shorten the review time. For example, the bank where the salary card is located, the bank where the mortgage is located, the bank where the time deposit is located, the bank where the debit card generates a lot of turnover, etc., the bank will have a better understanding of the applicant's financial situation, which is also conducive to approving the card.

Are there any tips for applying for a credit card? Practical card application strategies

In daily life, many people are in need of money urgently. Instead of asking someone to borrow money, it is better to apply for a credit card, which can satisfy consumption needs and withdraw cash. Emergency. However, many people encounter various problems when applying for credit cards. Today, let’s look at some tips on applying for a credit card.

Are there any tips for applying for a credit card?

Actually, there are many tips for credit card application. Here are some things to get started, which will be more practical for novices. There are three specific aspects to pay attention to:

1. Application channels

It can be roughly divided into two types: offline card application and online card application. No matter which one you choose, you must authenticate the formal channels, and be wary of various roadside stalls and online credit card agencies, especially unconditional agencies. , or those who pay to apply for large-value cards, most likely they are cheating money and information. The safest way is to go to bank channels to apply for cards, such as applying for cards at branches, bank official websites, WeChat banking, etc.

If the applicant can provide proof of financial resources, such as real estate, cars, financial products, etc., it is recommended to apply for the card offline and submit relevant information directly to the bank branch. If not, apply online for the card. It can save some time.

2. Application information

To apply for a credit card, you need to fill in an application form and clearly introduce some basic information of the applicant, such as age, occupation, workplace, marital status, income, etc. . Some people will package their income and position in order to get the card approved. This is okay, but it must be based on real information.

Otherwise, there will be excessive packaging. For example, some talents become department managers in their early 20s with an annual salary of hundreds of thousands. This is unrealistic. Once it is found that the information is false, not only will the card not be approved, but also You will be blacklisted by the bank, and you will have no chance of applying for a card in the future.

3. Personal qualifications

In addition to basic information, those who have business dealings with banks must also analyze their contribution. Those who do not have it can be ignored. The key is to look at the credit record on the credit report. Check your records. It is recommended to check your credit before applying for a card, and then submit a card application when you have no bad credit and low debt.

If you have an overdue record, as long as it is not currently overdue or has been overdue for three or six times in the past 2 years, you can also give it a try. It is best to apply for a card type that is easier to get from a bank with a low threshold, such as Ping An Bank. Car Owner Card, China Minsheng Bank Women’s Flower Card, Bank of Communications Wal-Mart Card, China Guangfa Bank True Love Card, etc.

The above is the relevant introduction to "Are there any tips for applying for a credit card?", I hope it will be helpful to everyone.

Let’s stop here to introduce the tips for applying for a credit card.