For most citizens, the ultimate purpose of applying for a credit card is to obtain a high amount of credit. Although a credit line is not a personal asset, it is a limited social resource like an RV, so the earlier you apply for a credit card, the more benefits you can enjoy.

So, when we apply for a credit card, how does the bank pass the approval step by step and grant credit? Let’s get to know each other:

Step One: Bank Internal Assessment

First, the bank will enter the applicant’s basic information into the internal assessment system and conduct an evaluation on it. Initial assessment.

If you have had business dealings with the bank before, such as applying for a debit card and credit card, applying for a loan, purchasing financial products, etc., then the bank will be able to know whether you are a high-quality customer of the bank. client.

If you are a high-quality customer, your credit card will basically be approved in seconds. If you want to become a high-quality customer of the bank, the most direct way is to "move bricks" and directly deposit 50,000 to 100,000 yuan on a regular basis, with a guaranteed minimum card limit of 30,000 yuan.

Step 2: Check personal credit report

Credit card is actually a simple credit service. It can be said that there is no difference between applying for a credit card and applying for a loan.

In order to reduce the non-performing rate of credit cards, according to relevant (hard) regulations, banks must query the applicant's personal credit report.

It should be noted that in addition to overdue credit business, if there are too many credit inquiries, or utility bills are not paid on time, or there is a criminal record at the police station, the credit card will be affected. of approval.

Step 3: Personal comprehensive score

Also called credit score, it is given by the credit scoring system of each bank. The level of credit score will directly determine whether the bank will grant credit. and the amount of credit granted.

As we all know, the higher the credit score, the greater the chance that the cardholder will apply for a card, and the higher the credit limit obtained. However, the credit score standards of each bank are strictly confidential.

However, many netizens have now summarized some tips on how to apply for a card. You can search online. For example, those who are married and have children have higher ratings than those without children; the credit card mailing address is the best. It is best to fill in the work address and so on.

Step 4: Credit card holding status

This is a point that many people tend to overlook, because banks will also refer to the applicant's credit status when approving credit cards.

Currently, except for the four major banks and China Merchants Bank, all other banks can apply for a card.

In addition, if the number of credit cards exceeds 5, it will be difficult to apply for a CCB card unless you have very good qualifications. However, some netizens said that CCB salesmen also said that you can apply for a CCB card.

Xiaoxiao Finance said that if there are no channels (POS machines) and too many credit cards, it will definitely be very troublesome to maintain them. Therefore, it is recommended that those who do not have channels, it is best to get 1-4, one for four major guarantees, one for large amounts for emergencies, one for overseas consumption, and one for daily income.