Application channels. The current channels for applying for a credit card include major bank websites, bank counters, local promoters, etc. If you have relevant assets in the bank, such as deposits, it is recommended that you go to the counter. Well, the bank will approve a credit card based on your personal assets. The more, the better. For those who have no assets, it is recommended that you choose local promoters. Local promoters can verify on-site, which can increase the chance of getting the card.
Application information, when applying for a credit card, you will be asked to fill in an application form. The more detailed the form, the better. The more detailed your information, the higher your score in the bank card scoring system. At the same time, some options in the form are also bonus points. For example, owning a house will score higher than renting a house, married people will score higher than unmarried people, and people with high education will score higher than those with low education. How to fill in the details depends on your ability. And go.
As for credit card types, the current major credit card organizations in the world include VISA, MasterCard, Japan’s JCB, the United States’ American Express, and China’s UnionPay. If you only use it in daily life, apply for a credit card with the UnionPay logo. It is easier and faster to apply for the card. If you are an overseas shopping fanatic, then having a MasterCard or AE card is a good choice. Large foreign shopping websites will support these two card organizations.
Co-branded cards refer to credit cards jointly issued by the card issuer and major companies, such as the Wal-Mart credit card jointly issued by Bank of Communications and Wal-Mart. If there is a Wal-Mart supermarket near your home, you can apply for one. With such a credit card, it is very affordable to use the Bank of China card at Walmart every Friday and Saturday. If you are a business traveler, then apply for an airline co-branded credit card, and you can also enjoy VIP lounges, points exchange for miles and other discounts. The one that suits you is the best.
As for the banks that apply for cards, it is currently difficult to apply for credit cards from the four major state-owned banks, unless you have relevant fixed assets in these four major banks, or apply for a card collectively as an organization, which is easier. Banks that are easier to apply for include Bank of Communications, China Merchants Bank, China Guangfa Bank, Minsheng Bank, etc. These banks are relatively small joint-stock banks. They are much more relaxed in applying for credit cards, and the credit limit is also much higher. It is recommended to try more in these banks. Apply to a bank.
Credit card currency. For those who do overseas shopping or those who often go abroad, the currency of the credit card they apply for is also very important. Multi-currency credit cards can automatically purchase foreign exchange without paying corresponding exchange fees. , for people who frequently shop abroad or go abroad, they can still save a considerable amount of money in the long run.