In fact, for credit card approval, banks mainly look at the following points:

1. Legal age: The age requirements for applicants are mostly 18-60 years old. But the best age to apply for a card is mostly between 24 and 50 years old.

2. Annual income: Due to different positions and different industries, wages are also different. Therefore, the higher the annual income, the better it is to obtain approval.

3. Work situation: Generally speaking, people with special occupations are more likely to get stuck than freelancers. The longer the working hours, the easier it is to get stuck.

4. Landline phone. Some people may not understand that now that everyone uses mobile phones, who will still use landline phones? But the bank did not set up this program for no reason. The person who can fill in the landline number also indirectly proves to the bank that he owns a house and has a stable job.

5. Housing certificate. The property certificate is also very important. If you fill in one incorrect item, the credit limit may be reduced by half. Therefore, the housing period should be as long as possible.

6. Bank flow. Banking business is a proof of frequent transactions with banks. If you have a salary card, it is best to apply for a credit card at the bank where the salary card is located, so that the probability of debiting the card is higher.

7. Credit record. When checking your credit report, you mainly look at two points: Application records: Whether you are applying for a credit card or a loan, there will be records in your credit report. Frequent applications will not only affect credit card approval, but also make the bank think you are short of money. Credit history: If there is any overdue payment, it is enough to take a look at the credit report.