How to fill out the application form when applying for a high-limit credit card?

Many friends want to apply for a high-limit credit card and want help. In fact, credit card application and credit limit mainly depend on the qualifications of the applicant. However, qualifications are very important, but you also need to master some card application skills, such as how to fill out the application form.

There is still a lot of personal information on the credit card application form, and marital status, home address, home phone number, work landline phone number, annual salary, contact person, and credit cards from other banks are all closely related to the success rate of the card application. of.

If you want to get a large credit card, your application form should be filled out like this:

1. Nature of the company: The applicant’s workplace can reflect his or her repayment ability. , so civil servants, public institutions, state-owned enterprise employees and other good people in such units have a higher approval rate when applying for credit cards, and the approved credit limit is also higher.

2. Work phone number: Be sure to fill in this phone number incorrectly. The bank will call your work phone number for a return visit. If your workplace does not have a phone number, you can fill in the phone number of your relatives and friends in the store, but you must say hello first. .

3. Marital status: Married with children, the situation is relatively stable in the eyes of the bank, and the economic conditions should not be very bad. It is easier to apply for a card than those who are unmarried and have no children, and the approved limit is also higher. , so generally speaking, you need to fill in the relevant information truthfully when filling out the form.

4. Place of Birth: Local household registration can add points when applying for a card. However, if it is not a local household registration, there is nothing you can do. You have to fill it in according to the ID card.

5. Industry category: Never fill in those in the service, entertainment, investment, or guarantee industries. In the eyes of banks, they are high-risk groups. Such people are not favored by banks, and those who can successfully pass the review will not be accepted. to 50.

8. Working years: You can write a longer length according to the actual situation, for example, one and a half years, you can write three years, but don’t be too exaggerated. For example, it has only been two or three years since graduation, and the working hours are It took me 5 years to write it, but when I think about it, it’s all fake.

9. Contact person: It is best to write down high-quality customers of the bank, such as platinum card holders, etc. Of course, if not, you can also write down relatives and friends with stable jobs and high incomes.

10. Card collection address: It is best to write the work address for this address, which will help improve the success rate of card application.

Summary:

Tips on filling out the application form for large-amount credit cards. Some conditions can be adjusted appropriately. For example, the annual salary can be filled in higher within a reasonable range, or the working hours should preferably be Singles who are more than one year old or nearly 30 years old are best to fill in the form of married, or the contact person can choose a friend with better qualifications, etc.

However, the principle when filling out the application form is: be as honest as possible. Once the bank discovers that you submitted false information, not only will you be unable to apply for a card within six months, but your credit will also be stained in the future.

How to fill out the credit card application form with the highest success rate?

How to fill out the credit card application form with the highest success rate?

1. Contact person

You can choose to fill in the contact person: family members with stable addresses, friends with stable jobs and high incomes, colleagues in the same company, etc. In short, it can make the bank more A stable and reliable group. It is not recommended to fill in friends who do not have a fixed job or whose income/residence is unstable.

2. Marital status

Whether married or single, generally speaking, you can fill in the information truthfully. But for older young people aged 28 or 29, you still need to think carefully when applying for a card. If you fill in the form of unmarried, the bank will consider that the status of the card applicant may not be very stable.

3. Home address

Applicants who have already purchased a house can directly fill in the address of the real estate under their name and attach a copy of the real estate certificate when submitting the information. Card applicants who do not have personal housing, such as those who rent a house, can fill in the home address of their hometown. If they stay for a long time, the bank will think that the address of the card applicant is very stable.

As for the Beipiao people, if you have local friends with good connections, and if your friends allow it, you can fill in the friend’s address, and the check-in time can be Beidiao time, and the person who applied for the card can also be displayed. Residential stability.

4. Work fixed phone number

Failure to fill in this is the culprit that causes many card applicants to fail to apply for a card. The bank often chooses to call this number during return visits to confirm the card applicant's job stability, which is directly related to the card applicant's source of income.

5. Residential phone number

Fill in based on your home address, preferably a landline. Make sure your parents or friends’ parents (you need to say hello in advance) can receive it. Older people always give people a more secure feeling, and banks like that.

6. Annual salary

The annual salary is directly related to the repayment ability. When applying for a credit card, many card applicants fill in the annual salary that is either too high or too low. In fact, the annual salary is different from the card applicant’s. The income certificate is directly related and should be filled in according to the actual situation. However, if the unit can issue an income certificate, it can also be increased appropriately to make the bank more assured.

Don’t make anything up when filling in annual salary. First, the bank will have a relative reference value through social security, industry, position and other information; secondly, once the bank discovers that the card applicant has forged information, Applying for a card will basically not be successful.

7. Credit cards from other banks

Among the mainstream banks, only five major banks, Bank of China, Bank of Communications, China Guangfa Bank, Ping An Bank and Shanghai Pudong Development Bank, support card application. When applying for a card from these banks, you can provide a credit card from another bank that has been used for at least 3 months (different banks, such as Shanghai Pudong Development Bank regulations: you can apply at the counter if you have held a credit card from another bank for more than 1 year) and go to the counter to apply. The card record is good, there is no overdue card, and the card can be issued more quickly.

In short, while everyone is pursuing how to fill out the credit card application form with high success rate, do not fill in false information. If the information is verified by the bank, it will have adverse effects.

Tips for filling out credit card application forms: It’s not difficult to learn these tips to apply for large-value cards

Many people now apply for credit cards online, but online applications cannot provide various information, so what do you think? To improve the success rate of card approval or to increase the credit limit, you can only make a fuss about the credit card application form. So, how to fill out the credit card application form? Here are some practical form-filling tips for your reference.

1. Fill in valid information

The most important thing to avoid when applying for a credit card is fraud, so you must ensure that the information filled in is true, valid, accurate, and can be checked by the bank. .

For example, personal identity information, work unit, and work phone number cannot be filled in randomly. Otherwise, if the number does not match the true situation, not only will the card be rejected, but you will also be fined for providing false information. Being blacklisted by a bank will affect any credit business handled by that bank.

2. Properly optimize the packaging of materials

On the premise of ensuring that true and effective information is provided, the materials must be optimized and packaged in a timely manner. This can be done from three aspects:

1) Income and financial resources, many people are relatively honest. They fill in the income area based on monthly salary. Here you can master some skills, and you can increase it appropriately based on your working years, such as working 3~ In 5 years, I will basically have an annual salary of 5,000. If I settle various company benefits into cash, add year-end bonuses, etc., there is no problem with 70,000 to 80,000.

2) Job stability. For banks, the longer the working experience and the longer you stay in the same company, the stronger the stability, the income should be good, not to mention the repayment ability, this is To appropriately extend the actual working years, it is recommended to fill it in according to the actual age. Half a year can be written as 1 year, 1 and a half years can be written as 2 years, etc., but do not exaggerate too much.

3) Department positions, although they are in the same department, but the positions are different, the income may be different. Here you can write department heads, supervisors, etc. Banks usually won't go out of their way to verify it. After all, job transfers in a company are a normal phenomenon.

The above is the relevant introduction to "Tips for filling out credit card application forms". I hope it will be helpful to everyone. In short, when applying for a credit card, filling out the form according to the above-mentioned techniques will not only help to increase the card application rate, but also increase the card approval limit.

How to fill out the credit card application form?

Home address

Applicants who have already purchased a house can directly fill in the address of the property under their name and attach a copy of the real estate certificate when submitting the information. Card applicants who do not have personal housing, such as those who rent a house, can fill in the home address of their hometown. If they stay for a long time, the bank will think that the address of the card applicant is very stable. For people like Beidiao, if you have local friends with good connections, you can fill in the friend's address if the friend allows it, and the check-in time can be Beidiao time, which can also show the residence stability of the applicant.

Marital status

Whether married or single, generally speaking, you can fill it in truthfully. But for older young people aged 28 or 29, you still need to think carefully when applying for a card. If you fill in the form of unmarried, the bank will consider that the status of the card applicant may not be very stable.

Residential phone number

Fill it in based on your home address, preferably a landline. Make sure your parents or friends’ parents (you need to say hello in advance) can receive it. Older people always give people a more secure feeling, and banks like that.

Workplace landline phone number

Failure to fill in this is the culprit that causes many card applicants to fail to apply for a card. The bank often chooses to call this number during return visits to confirm the card applicant’s job stability, which is directly related to the card applicant’s source of income.

Annual salary

It is directly related to the repayment ability. Many card applicants fill in the annual salary that is either too high or too low when applying for the card. In fact, the annual salary is directly related to the income certificate of the card applicant. , should be filled in according to the actual situation, but if the unit can issue an income certificate, it can also be increased appropriately to make the bank more assured. Be careful not to make anything up when filling in your annual salary. Firstly, the bank will have a relative reference value through social security, industry, position and other information. Secondly, once the bank discovers that the card applicant has forged information, the card application will basically not be successful. .

Contact person

You can choose to fill in the contact person: family members with stable addresses, friends with stable jobs and high incomes, colleagues in the same company, etc. In short, it can make the bank feel more at ease. stable group. It is not recommended to fill in friends who do not have a fixed job or whose income/residence is unstable.

Credit cards from other banks

Among the mainstream banks, only five major banks, Bank of China, Bank of Communications, China Guangfa Bank, Ping An Bank and Shanghai Pudong Development Bank, support card application. For cards from several banks, you can apply at the counter with a credit card from another bank that has been used for at least 3 months (different banks, such as Pudong Development Bank regulations: you can apply at the counter if you have held a credit card from another bank for more than 1 year). If the card is recorded Good, no overdue, and the card can be issued more quickly.

This is the end of the introduction on how to fill in the credit card application form and the sample of filling out the credit card application form. I wonder if you found the information you need?