Credit card review direction: 1. Stable occupation (work permit required), residence (house lease contract or three consecutive months of water, electricity and coal bills), wage income (three consecutive payrolls).

2. Credit (check whether you have a bad record)

3 willingness to repay

4. Contact information (There are four required phone numbers in the credit card application form, and the four phone numbers cannot be the same. )

The bank scores your comprehensive score through the above aspects. If the comprehensive score is below 60, then you can't pass! Note: You need to be at least 22 years old. Although the bank said that you can apply as long as you are 18 years old, if you are under 22 years old, your comprehensive score will not pass!

The so-called comprehensive score when applying for a credit card is what you fill in when filling out the application form: company nature, education, housing status, annual salary, marital status, number of dependents, etc. This bank has a computerized scoring system. After the auditor inputs your information into the computer, the computer automatically calculates the score according to the above conditions. For example, if the doctor gets three points, then the graduate student gets two points and the undergraduate student gets one point; Another example: married one point, unmarried zero point, married 1 family plus one point ... Finally, the computer gives a score, and then the bank has a standard, such as:

From zero to fifty, it is recommended to refuse;

More than 50 points, it is recommended to approve Puka;

Above 80 points, it is recommended to approve the gold card.

The above is just an example. Banks do not follow this standard. Moreover, the grading standards of each bank are different. Applicants may use the same information to apply for a credit card from another bank and get a gold card. In addition, some bank cards are approved by the head office, and some are in local branches. Local policies are even more unpredictable.