Credit card handling skills

Credit card handling skills

　　Nowadays, more and more people like to apply for credit card overdraft, which is convenient and does not need to carry too much cash with them. However, banks are relatively strict in applying for credit cards, so how can they apply for credit cards smoothly? The following is providedCredit card handling skillsFor your reference, let’s have a look.

　　1. Usually, the amount of credit card application for the first time is relatively low, unless you can provide sufficient proof of assets, such as proof of income, proof of house ownership, proof of mortgage purchase, proof of automobile ownership, bank deposit certificate or securities certificate. Of course, in addition to the asset certificate, other certificates that can prove your personal ability will also help you get a high credit card, such as academic certificate, technical grade certificate and other qualification certificates.

　　Second, fill in the credit card application form carefully (generally speaking, the following aspects on the application form will affect the bank’s credit evaluation score for you. The higher the credit score, the higher the probability of obtaining credit card approval and the higher the quota):

　　1. Do you have a fixed telephone number in this city (having a fixed telephone number in this city means that your residence is stable, which will increase the bank’s credit evaluation score for you);

　　2. Whether or not to get married (the score of married is higher than that of unmarried);

　　3. Whether it is a local hukou (the score of local hukou is higher than that of foreign hukou);

　　4. Whether there is a house (owning a house is higher than not having a house, and living by oneself is higher than living with parents);

　　5. Education level (the higher the education level, the higher the score);

　　6, the nature of the work unit (the more stable and well-known the work unit, the higher the score. For example, institutions, large state-owned enterprises and the world’s top 500 enterprises all scored higher, while unknown private enterprises and small foreign enterprises scored lower);

　　7. Position (The higher the position, the higher the score. For example, civil servants and company managers score higher than ordinary employees, and any bank has a credit card. If you meet these conditions, it is good to choose a bank.

　　Third, the credit card has the overdraft function, and you can swipe your card for shopping without money in the card, so not everyone can apply for a credit card, and banks only issue credit cards to people they think are honest. Compare and see if you meet the requirements for issuing credit cards by banks:

　　1, aged between 18 and 65 years old;

　　2. Have a stable occupation and income;

　　3. Have good credit and the ability to repay interest on time;

　　4. Natural persons with full capacity for civil conduct (robots, vegetarians, minors and a certain degree of mental illness are not allowed).

　　4. If you haven’t met the requirements for applying for an ordinary credit card, you can apply for a supplementary card through your parents and spouse. To apply for a supplementary card, you must meet the following conditions:

　　1. Natural persons with full capacity for civil conduct or limited capacity for civil conduct.

　　2. At least 13 years old

　　3. Applicants for supplementary cards under the age of 16 must provide a copy of the household registration book when applying.

　　5. Not everyone can apply for some cards, which have some special requirements for cardholders. For example, the Magic Credit Card of CITIC Bank can only be applied by women.

Tips for successfully applying for a credit card:

　　At present, banks pay more and more attention to risk control, and the approval of credit cards is also very strict. Many friends who apply for credit cards or high-quota cards for the first time have received rejection from banks. What are the tips for successfully applying for a credit card?

　　1. Please try to prepare sufficient proof of assets. If you have applied for a credit card and have a good credit record, you only need to copy the credit card you already have and send it with the application form. Because the bank can check your personal credit record through the personal credit information system, whether the credit record is good is also one of the conditions for the bank to judge whether it has the qualification to issue cards.

　　2. If it is the first time to apply for a credit card and there is no credit consumption record, you need to prepare various asset certificates. Because the bank decides whether to approve the card and the size of the credit line according to your various income and assets.

　　Above isCredit card handling skillsIn detail, friends who need to apply for a credit card can try it according to the above methods.