How to quickly approve a credit card online?

with the continuous development of economy, many banks have applied for credit card business online in order to facilitate the demand of customers to apply for credit cards, and they have been loved by consumers. Nowadays, credit card applications are basically made online, which is not only convenient and fast, but also saves time. The most important thing is that the threshold for card approval is lower and the success rate is higher. So what should I do if I want to approve the card quickly?

1. Meet the basic conditions of the bank

1. Good credit record

First of all, we can't have overdue records, but we must have good credit records. There is a card on the personal credit report, and the repayment situation is good, which is easier than the applicant whose personal credit report is blank.

2. Card processing

If you have a credit card in the bank where you apply for a credit card, then applying for another credit card can basically achieve the effect of second approval, because the bank has already recorded the conditions previously approved.

second, choose the right bank and credit card

1. It is easier for commercial banks to approve credit cards in seconds

I believe everyone knows that the threshold for applying for credit cards in state-owned banks is higher, and commercial banks such as Guangfa, CITIC, China Merchants Bank, Shanghai Pudong Development Bank and Bank of Communications are much easier to approve cards than state-owned banks.

2. Choose cards according to daily consumption scenes and habits. For example, those who travel more often choose aviation series co-branded cards such as Guangfa China Southern Airlines and CITIC Ctrip Co-branded Cards. Those who spend more on shopping and catering can apply for credit cards from Pudong Development Bank, CITIC Bank and Bank of Communications.

third, it is easier to fill in the application materials

first, name, age, address and telephone number. The address and telephone number must be filled in accurately to ensure that the bank card can be received and that the bank can get through.

2. Personal assets. Including personal salary income, real estate, other financial investment, self-owned vehicles, etc. This item is very important. If there is no real estate, vehicles or other financial investment, it is suggested that the income section can be written higher, which determines the amount of the card. The more abundant the assets, the higher the quota.

3. Education. The higher the education, the higher the quota.

4. occupation. Fill in your current work unit and position. The level of position will also affect the amount of personal card issuance.

How to apply for a credit card online is the fastest

The specific procedures and processes for applying for a bank card online are as follows: Open the bank credit card official website that needs to apply for a credit card. Select the type of credit card you want to apply for according to your needs, and click Apply Now. Fill in the application materials. Submit the online application form for credit card, wait for the approval result, and get the bank card after approval.

Extended information:

Bank card refers to a credit payment tool that is approved by commercial banks (including postal financial institutions) and has all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes.

The application of bank card automatic settlement system makes this dream of "no cheque, no cash society" come true. On December 2, 219, the Supreme People's Provisions on Several Issues Concerning the Trial of Civil Cases of Bank Cards was adopted at the 1785th meeting of the Supreme People's Judicial Committee, and shall come into force on May 25, 221. Clearly, the user's bank card was stolen and proved that he was not responsible, and he could claim compensation from the bank.

debit cards are divided into transfer cards, special cards and stored-value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption.

〔debitcard〕 can be used for online or POS consumption or ATM transfer and withdrawal, and cannot be overdrawn. Interest is paid on the amount in the card according to the demand deposit. When spending or withdrawing money, the funds are directly drawn from the savings account.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the issuing bank gives the cardholder a certain credit line, and the cardholder can spend first and then repay. Quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund according to the requirements of the bank, and when the reserve fund is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.

a Creditcard, often called a credit card, refers to a credit card in which the issuing bank gives the cardholder a certain credit line within which the cardholder can spend first and then repay. It has the following characteristics: first consume and then repay, enjoy an interest-free payment period (up to 56 days), and have a minimum repayment amount, and customers can repay by installments when they overdraw.

quasi-credit card is a single-currency single-account credit card with interest-bearing deposits and RMB for credit card spending. It has the functions of transfer settlement, cash deposit and withdrawal, credit consumption and online banking transactions.

How to apply for a credit card online

For all card friends, of course, they all want to get their favorite credit card quickly, and the most annoying thing about applying for a credit card is being rejected, which affects both efficiency and mood. So there are so many types of credit cards in major banks, how should we choose? Which credit cards are easy to apply for?

1. CITIC Bank Taobao Card can greatly improve the efficiency and the success rate of card approval by binding the customer's Taobao account. CITIC Bank's card approval speed has always enjoyed a good reputation among card friends. After testing, CITIC Bank's online credit card application will generally be accepted by the bank within 24 hours, which is quite efficient! Now apply for CITIC Taobao Card through the Internet, and make the first quick payment to reduce 3 yuan. Don't miss this offer!

2. Guangfa True Love Card, the first female-only credit card in China, is designed with a transparent card version, which advocates the concept of "independence, calmness, cleverness and frankness" for women's life. It has the functions of triple points plan for self-selected merchants, self-selected insurance plan and other services, and enjoys discounts from many merchants, giving women more personality choices and more caring services. More importantly, it is simple and quick to apply for this card. As long as you provide stable income proof and personal information, there is no obstacle to applying for this card.

3. Guangfa Owner Card is specially tailored for private car owners. Provide all-round benefits and services for car owners, customers and their cars. Enjoy 1 kilometers of free road rescue service nationwide, 5 times points for credit card refueling or 1% cash refund discount, and choose high insurance protection and many other functions and benefits. The application of Guangfa Owner's Card has naturally reduced a lot of troubles for many riders ~ When applying for Guangfa Owner's Card, users can greatly improve the success rate of applying for credit cards by providing their car's driving license!

4. New customers of China Merchants Bank QQ co-branded credit card will be given a full amount of 388 yuan for American traveler's fashion backpack. Customers of the new batch of cards only need to swipe their cards three times within two months, and each time it is over 188 yuan, they will be given a 388 yuan American traveler's fashion backpack. The first cash withdrawal every month is free of charge.

5. The best card for China Merchants Bank is China Merchants YOUNG Card, which is one of the most popular cards among young people. You can apply for a small white collar just after graduation, and college students who have reached the age of 18 can also apply for a formal internship contract. If the maximum withdrawal amount of 1% credit limit is not enough, then add the first withdrawal fee free of charge every natural month!

6. Ping An Bank's credit card is very grounded, such as owner's card for car owners, standard card for supermarket shopping, platinum card discount at the airport, and direct access to the cinema. Card promotions are covered in food, fitness, entertainment, shopping and so on. The most sought after and easy to handle credit card.

what can I do to get a credit card through quickly? Mastering a few skills

To run a credit card, you have to go through three stages: application-review-card release, among which credit card review takes a long time. And if you want to let the credit card pass quickly, you can use some skills to shorten the review time. Let's take a look.

First, online application

Online application is convenient and fast, and the submitted materials are directly sent to the credit card center, which saves the time for submitting materials. After receiving the materials, the bank can apply, and friends who want to pass quickly can choose this method.

especially for non-white households, after a bank has a credit card, they can apply for some commercial banks with low thresholds, such as Minsheng Bank and Industrial Bank, and the results will be available in 5 minutes at the earliest. However, for online application, non-first card customers will generally ask for a face-to-face signing, and the credit card can only be activated after the face-to-face signing is successful.

Second, the application materials are well prepared

If it is an offline card application, it is generally necessary to provide paper materials, so it is necessary to prepare all the necessary materials. If the prepared materials are insufficient, the bank will let you supplement the materials for approval, so the review time may be longer. On the contrary, if the information provided is more sufficient, the speed of bank approval will be faster.

General information includes a copy of ID card, work certificate, and some may even make the provider bank run dry. It depends on the bank.

Third, provide financial proof materials

When handling a credit card, the bank pays most attention to the repayment ability of the cardholder. If information such as real estate, car products and wealth management products are provided when applying for the card, it shows that the cardholder's financial ability is relatively good. Without large debts, the bank will not have to spend a lot of time evaluating the repayment ability of the cardholder, which will definitely shorten the application time.

4. Give priority to banks with business dealings

Applying for banks with business dealings can also shorten the review time. For example, the bank where the salary card is located, the bank where the mortgage is located, the bank with time deposits, and the bank with more debit cards, etc., the bank will know the applicant's economic situation better, which is also conducive to the approval of the card.

Let's stop here for the introduction of how to apply for a credit card online quickly.