How to improve the success rate of credit card application?
(1) Ensure good personal credit.
There is no overdue record in the personal credit report, so the bank will think that your repayment ability is very good, so that the audit can pass.
(2) Improve personal information
When filling in personal information, the more complete the information, the better, especially in salary, but not too false. Fill in the company name correctly, and you can provide appropriate financial proof, such as car purchase invoice, real estate license, social security payment certificate, etc. These materials are also conducive to improving the bank's comprehensive score on applicants;
If your work unit is a public institution, or a state-owned enterprise or a famous enterprise, it is easy to pass the audit, and the amount of card approval is relatively high.
(3) Select the appropriate card type.
For the first-time credit card users, it is most important to choose a credit card that suits them. Don't pursue cards with higher card level or quota. Because many people don't carefully check the application conditions before applying for a credit card, although most of the thresholds are similar, some have special requirements, such as the owner's card, which requires a car to handle.
Of course, different levels of cards have different qualification requirements for applicants. Therefore, the pass rate will be much higher if you choose the right credit card according to your actual situation.
Tips for filling out credit card skills
(1) Basic information
1. Marital status: married with children >; Married without children > unmarried, just fill it out truthfully. If you are unmarried after 30, the bank will think you are unstable. I suggest you prepare more assets documents (house/car/bank deposit) when you apply for a card.
2. Housing conditions: self-owned housing without loans > self-owned housing with loans > apartments > renting. If you don't buy a house, you might as well write your address in your hometown. The stay time is also a reference project, which is generally stable for more than one year, and the longer the time, the better.
(2) Information related to occupation
1. company address and telephone number: whether there is a company address can reflect whether you are working or not, and forgetting to fill in the company telephone number is also the reason why many people fail to apply for a card. The purpose of the bank is to check the stability of your work, so pay attention to these two points.
2, income: income is very skilled, fill in truthfully, avoid making things up. Of course, don't forget to add social security, provident fund, welfare and year-end bonus on the basis of after tax.
(3) Contact information
Personal connections are divided into immediate family members and other personal connections, such as family members with stable addresses and friends with stable jobs and high incomes. In short, it is the most tactful way to fill in the stable group that the bank can rest assured. Relatives and friends who have no fixed job or income and unstable address are not recommended to fill in.
Here is a brief introduction to the relevant knowledge of credit card application. Want to know more, pay attention to Bian Xiao, and share different knowledge every day.