1. Spend money to apply for a large credit card? Applying for a credit card through formal channels is free, and the credit limit approval is all assessed by the banking system. There is no manual intervention. If you spend money to apply for a large credit card, you will know at a glance that it is a big trap, and it is specifically designed to defraud money.
2. The more credit cards, the better? The number of credit cards should be controlled within 3 to 5, and no more than 5 at most. After all, holding too many cards can easily confuse bills. Forgetting to repay will lead to overdue payments, increase the cardholder's debt ratio, and complicate credit reporting, etc. , so don’t think that having too many credit cards is a good thing.
3. Is the limit for applying for a card high? Many banks use credit cards to apply for a card. They usually use the existing credit card limit as a reference to approve the card. They may approve a high-limit credit card, but the limit may be similar to the current credit card limit, or even lower.
4. Does the introduction have a high success rate in applying for a card? In order to successfully apply for a card and approve a large-value card, many people will spend money to buy some introduction codes, which are the so-called contact information of high-quality bank customers. However, this is also a big pitfall. The most important thing for banks to approve credit cards is the applicant's credit conditions. , rather than the introducer’s qualifications.
5. Can’t I apply for a card if my credit report is not good? Banks that apply for credit cards definitely like people with good credit, but they do not reject cards if they have bad credit. Usually banks will judge based on the degree of bad credit. It is possible to issue a card to someone who is slightly overdue and has other qualifications.