1. Choose the bank you want to apply to

If a person with a high debt ratio applies for a state-owned bank credit card, they will generally be rejected. Even if they apply for a card, the limit will not be very high;

It is recommended that you apply for a credit card from a local bank. Compared with state-owned banks, local banks have a higher tolerance for debt. As long as the debt does not exceed 70%, they can generally approve the card

< p>2. Provide proof of financial resources

For banks, a high debt ratio means that the applicant’s repayment ability is low. Generally, in order to avoid non-repayment when due, banks will not provide This type of person is approved for the card;

If the applicant's debt ratio is too high, he or she can provide the bank with valid proof of financial resources, such as real estate, vehicles, salary slips and other information, to prove his or her repayment ability. This can also increase the success rate of playing cards.

3. Reduce the debt ratio

It is recommended that applicants pay off their debts as soon as possible according to their own abilities, or they can also installment large bills to reduce the debt ratio;

< p>If the applicant already has a credit card, you can choose to cancel the excess credit cards. Too many credit cards will lead to excessive debt, and it will be more difficult to apply for another credit card.

In the first three months of applying for a credit card, it is best not to use small loans, and do not check your personal credit too much, as this will also affect the review of the credit card.