As we all know, individuals who have reached the age of 18-65, have full capacity for civil conduct, have a legitimate and stable source of income, and have good credit standing can apply for credit cards, and all of them can apply for credit cards. However, in the end, whether the card can be approved smoothly depends on the number of people. From many card gods, it is easier for these five types of people to apply for credit cards.

when approving credit cards, banks will score according to the qualifications of applicants. The higher the score, the easier it is to approve cards. Applicants who generally meet the following characteristics will not get much lower scores.

1. Have a steady income

In other words, a stable job. Whether the job is stable and whether there is income can reflect whether the applicant has the repayment ability from the side. However, each bank has different views on this income stability.

For example, the four major state-owned banks, for them, the objects of stable jobs are generally employees of public institutions or state-owned enterprises, or employees of top 5 enterprises. Such people's jobs are quite stable, and their income is higher than that of ordinary people, so their repayment ability cannot be underestimated.

However, for joint-stock commercial banks, as long as they have jobs and income and work for more than three months, they are stable. For the applicant's work unit, they are generally not picky, as long as they are not engaged in high-risk occupations, it is relatively easy to get off the card.

Second, people with large rated deposits in banks

People with more than 5, large rated deposits in banks are generally high-quality customers of banks. In the eyes of banks, such people have deposits, so they don't have to worry about their repayment ability. In addition to applying for a credit card on their own initiative, such people will be invited by the bank to apply for a card.

So, if you want to apply for a credit card from a bank, it is also a common practice to open an account in that bank to save money to buy wealth management products.

Third, college students and other highly educated groups

In fact, China Merchants Bank was the first to open the credit card market for college students. At least before 21, when college students first came into contact with credit cards, only China Merchants Bank and China Construction Bank approved cards for college students.

So, if you are a college student, it is generally better to apply for credit cards from these two banks.

Fourth, there is a mortgage in the bank

If you have a mortgage in any bank, it is easy to apply for a credit card from another bank, with a minimum amount of 1,. If you want to run a credit card of four major state-owned banks, you can try this method.

Some cardholders reported that they applied for a CCB credit card online and got a gold card with a quota of 1, yuan.

Of course, it is not always possible to apply for a credit card in these four situations. This is only a common situation.

If you want to apply for a credit card soon, the second of the three situations is the most likely to meet the requirements. As for how much deposit each bank needs, it is recommended to be more than 5,. After all, deposit banks with less than 5, are ignored.