First, assess your situation in advance.
The credit card application platform will comprehensively evaluate the applicant's credit status when approving credit cards. Because everyone's credit status is different, whether the card can be approved smoothly and the amount of card approval is different. Therefore, in order to speed up the approval of credit cards, before submitting applications, everyone can evaluate their qualifications according to their own work, age, marital status, salary, education level, housing and other actual conditions, and properly package their qualifications, which is conducive to speeding up the approval of credit cards.
Second, make clear the requirements for handling cards.
Everyone's demand for credit cards is different, some are cash back from supermarket consumption, some are cash back from refueling and cash back from car washing. Moreover, everyone should make clear their own needs before applying for a card, and then clearly locate the credit card quota according to the needs, so that there will be no blind application for credit cards, and it will also help speed up the approval of credit cards.
Third, choose a suitable card issuer.
Banks have different application thresholds for credit cards. For example, the four major state-owned banks have relatively high thresholds and strong awareness of risk control, so the screening of applicants is also strict. Therefore, applicants with good credit, strong repayment ability and good economic ability can choose the credit card of state-owned banks. Moreover, if the user fails to pass the qualification examination and meet the high requirements of the bank, then you can try to apply for a credit card from a commercial bank. Relatively speaking, their requirements for applicants are relatively loose.
Fourth, choose the appropriate card level.
Credit cards issued by the same bank also have multiple grades. The higher the grade, the stricter the requirements for applicants and the slower the test speed. Of course, there will be exceptions for qualified applicants. If your qualifications are average, I suggest you choose the appropriate card level according to your qualifications. For example, Xiaobai can start with Puka and Gold Card. Have a certain economic strength and strong repayment ability, you can apply for a platinum card directly.