How to apply for a credit card in the United States

Answer:

Application process

1. There are generally four forms of U.S. credit card applications in the United States:

1. Go to the bank website and fill out the application form to apply. It will be much easier if you have a friend who works in the bank to guide you.

2. Receive the Pre-approvedoffer invitation form from the bank, fill it out and send it back to apply. Most of the invitation offers sent by banks are advertisements, so don’t be too optimistic about pre-approve. It must be noted that Pre-approved applications will still have HP, and Pre-Approved applications may also be rejected. But Pre-Qualify can sometimes help you bypass certain application restrictions.

3. Call to apply. It is said that the success rate of telephone applications is higher than that of online applications, and a very powerful way is the Reconsideration Line. You can call within one month after being rejected to ask for the reason for rejection, or call immediately after applying to ask if you have passed.

4. Online application is the most common. Many bank credit card offers are sometimes only available for online applications, and filling in information online usually only takes five minutes.

(1) Truthfully fill in personal information, date of birth, name, SSN

(2) Detailed personal information and economic status, such as residential address, source of income, and place of work. The key tip is to fill in at least $20,000 in the Gross Annual Income column.

(3) After submission, the credit card company will begin review. The application results may come out in a few minutes, or may take a few days to be mailed to you.

Note: After completing the entire application process, do not close the webpage. Wait for 1-3 minutes before the application result will appear. There are generally three situations:

① You are approved. Commonly known as "passing in seconds", you happily wait for the bank to send the card to you.

②You were rejected. Commonly known as "rejection in seconds", if you are brave, speak well and make a backdoor call to ask why, you may be able to successfully reconsider.

③The webpage will ask you to wait for a notification, and a letter will be sent to you, or you will be asked to call the bank (pending) to explain that supplementary materials may be needed.

(4) Submit supplementary information. Different banks have different requirements: Discover uploads PDF online, Chase sends a letter by fax, and Amex sends a letter.

(5) After receiving the card, call to activate it, then open online banking by yourself, and it's done.

Extended information:

Product types

1. According to different card issuers, they can be divided into bank cards and non-bank cards

① bank card. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

②Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., and are used for purchasing tickets, meals, accommodation, entertainment, etc.

2. According to the different objects of issuance, it can be divided into corporate cards and personal cards

①Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal organizations.

②Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.

3. According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

① Ordinary cards.

Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

②Gold card. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.

4. According to different repayment methods, credit cards can be divided into credit cards and quasi-credit cards

① Credit cards. When the card-issuing bank provides bank credit, it is first used as an overdraft, and then repaid or paid in installments. Most of these cards are used internationally. That is to say, the way that cardholders are allowed to pay off their credit card accounts without deposits is "spend first, deposit later". Most of these cards are used internationally.

② Quasi-credit card. It is a credit card issued by a bank that allows you to deposit money first and spend later. When applying for a credit card, cardholders need to deposit a certain amount of money in the card-issuing bank for backup. Cardholders need to use the deposit balance as a basis when using the card. Overdrafts are generally not allowed.

5. According to the different circulation scope of credit cards, they can be divided into international cards and regional cards

①International cards. An international card is a credit card that can be used outside the country of issue and is accepted worldwide. The five major overseas groups (MasterCard, Visa International, American Express, JCB and Diners Club) issued MasterCard, VISACard, American ExpressCard and JCB respectively. (JCBCard) and DinersClubCard are mostly international cards.

②Regional card. A regional card is a credit card that can only be used within the issuing country or within a certain region. Most of the various credit cards issued by commercial banks in my country are regional cards.