When I first entered the workplace, my salary was not stable enough and my feet were unstable. My monthly income was only enough to cover rent, living expenses, transportation expenses and other expenses. But looking at other people using credit cards, some stores can use credit card discounts for consumption. Their The mentality will gradually change. But it’s hard for someone new to the workplace to apply for a credit card, so how can you avoid getting turned down?
Newcomers who have just entered the workplace have already begun to move around in society and have to spend money on certain occasions. Imagine the same store, why pay full price when you can obviously pay for less? Expenses are reimbursable unless you make no money. Riding the Bull and Watching the Bear believes that it is necessary for newcomers in the workplace to apply for a credit card. On the one hand, it can carry out daily life, and on the other hand, it can also effectively save consumption on certain occasions.
Just because the new job is not long does not mean that the family background is not strong, even having only a local ID card is a bonus. When submitting personal credit card application materials, you can attach asset certificates such as your driving license, real estate license, and consumption records in the past six months. This can greatly improve the approval rate for personal credit cards.
If you work in a state-owned enterprise or public institution, your chances of getting a credit card will also increase, because workers in these workplaces can often get a stable income, and there is basically no wage delay or arrears. These are the conditions to avoid overdue credit card repayments as much as possible. Riding the Bull and Watching the Bear believes that even if they do not work for these stable companies, they can submit personal income and consumption records in the past 6 months to provide more beautiful data and still have a better credit card approval rate. In particular, some sales positions like to give employees titles such as managers, supervisors, etc. on their business cards, which can also enable them to obtain higher credit card limits after successfully being approved for credit cards.
When the applicant fills out the credit card form, the content that can be filled in cannot be empty and can be written unambiguously. If the applicant is always worried that the bank will know the specific address of their home or that their door number will be discovered, they must understand: a credit card is the product of advance consumption. The money consumed by the cardholder in advance is the commercial bank helping you pay and then repay it. Without trust, getting a credit card is nearly impossible! ”
When migrant workers who have just entered the workplace apply for a credit card, they should try to choose an ordinary credit card or card type with a lower credit limit in order to pass the credit card review as much as possible. Riding the Bull and Seeing the Bear believes that as long as they get If they get their first credit card, maintain a good credit card usage record for a long time, and have a good personal credit record, they will be more likely to be approved in the future!