At present, there are many banks that issue credit cards in China. The credit cards that everyone often applies for are commonly known as 14 banks. In addition to Industrial and Commercial Bank of China, Construction, Agriculture, Bank of China, Postal Service, and Transportation, there are also CITIC, Minsheng, Pudong Development Bank, and Zhejiang Bank. Bank of China, China Guangfa, Industrial Bank, China Everbright, China Merchants Bank, etc. will require applicants to provide necessary application information when applying for a credit card, such as work information, identity, age, family information and other information, but these are necessary information. If it is an online application, the applicant does not need to provide any written materials and only needs a mobile phone number to complete the application. After the credit card approval is completed, the applicant needs to go to the bank with his or her ID card for an interview, which is collectively referred to as activation. , but there is still a possibility of being rejected during the interview process. After all, the interview is the last step to verify the applicant's information. It is also the only face-to-face communication between the applicant and bank staff when applying online.

Let’s talk about the impact of non-required information on the credit limit, which may even become the key to your approval. Moreover, these situations are more common in offline credit card applications.

1. Educational qualification certification materials, mainly for people with college degree or above. When applying for a credit card, some banks will require applicants to note detailed academic information, such as graduation time, school, and major. Applicants who do not meet the requirements may not even meet the conditions for credit card application. Common supporting materials are screenshots of Xuexin.com, original graduation certificates or degree certificates. These materials are not required. Bank of Communications only requires detailed notes when applicants submit applications, while Minsheng Bank requires the account manager to provide the materials in person. In terms of quota, Bank of Communications has a starting quota of 5,000 for those with a college degree or above, but sometimes it gets nervous and approves a quota of 3,000. As long as your credit check is fine, it will generally not be rejected. People's Livelihoods usually start at 10,000, and there are also 5,000. It depends on whether your job is in line with the general employment situation with your academic qualifications. A job that is too low-end will lower your quota.

2. Real estate certification materials. Customers who own real estate are considered high-quality customers in all banks, because their financial resources are guaranteed to a certain extent, which gives banks more confidence and options in the event of overdue payments. Generally, the supporting materials provided are the house purchase registration contract, invoice or receipt, and real estate certificate. In some areas, the real estate information is not online or the local bank cannot verify the real estate information, and the applicant will also be required to provide a file verification certificate. If the applicant uses real estate as the main method of purchase, the quota will generally be more than 30,000 yuan. For applications that meet the bank's property value requirements, the quota will be more than 300,000 yuan. If your purchase method is not real estate, it only increases the approval rate, but cannot significantly increase the amount.

3. Provident fund social security. To a certain extent, provident fund social security is also a type of personal deposit. Banks in many areas will use provident fund social security as the main payment method when submitting credit card applications. With the approval rate and quota guaranteed, companies or units that can pay provident fund and social security for their employees will be stronger, and the stability of their employees will be guaranteed. The list of provident fund and social security payments, and screenshots of provident fund or social security accounts are the main supporting materials. In some areas, provident fund and social security are not connected to the Internet, and applicants need to check and provide them themselves. If there is no problem with the credit report, the general limit will start at 10,000. If the payment time is slightly longer, such as more than two years, the maximum limit will be 50,000. For those exceeding 50,000, the provident fund and social security will not be used as a payment channel.

4. Proof of car ownership. Cars are very popular now, but they can be used as input materials for credit card applications. The car must meet bank requirements, such as a first-hand car, and the value of the naked car is more than 80,000. It needs to be explained. Yes, the bank only recognizes family cars. For 7-seater cars and pickup trucks, the bank stipulates that they cannot be used as the main purchase channel. A common supporting document is a driving license, and the bank will check the vehicle registration information itself. The starting limit is 10,000, and those that meet the value requirements range from 50,000, 100,000, and 300,000. The last thing to note is that second-hand cars are valued at some banks, but the requirements are higher.

5. Deposit, this is also the bank’s favorite supporting document. If it can be deposited in the bank involved in the credit card application, the bank will be even happier. However, it should be noted that banks will also examine the stability of deposits. The main methods of inspection are interest settlement, deposit methods and deposit time.

There is nothing to say about the limit. How much card do you have to apply for? If the limit you apply for is lower than the deposit amount, it may be that your interest settlement cannot meet the bank's requirements.

6. Proof of work, certificate of honor, etc. Most of the time, proof of work (qualified work permit is also acceptable) is required for offline applications, but some banks have policies that do not require it. It is very easy for government agencies, institutions and state-owned enterprises to apply for a credit card worth more than 50,000 yuan if they have proof of work that meets the bank's requirements. As for certificates of honor, such as National People's Congress representatives, celebrities, etc., it will be relatively easy to apply for a platinum card.

The purpose of submitting the above certificates is to show off your muscles to the bank and give the bank confidence. When applying for a card, pay attention to asking the staff whether you meet the above conditions, and the policies of banks are also very different. Banks should treat them differently. If you want to know more about loans, credit cards, and financial management, follow the WeChat official account: Youqian Lab and reply "Youqian" to get it