Identification address
Applicants who have purchased a house can directly fill in the property address under their own name, and attach a copy of the real estate license when submitting the information. If there is no personal housing, for example, the applicant who rents a house can fill in the home address of his hometown, and long-term residence will make the bank think that the applicant's address is stable. Like Beipiao people, if you have friends with excellent local relations, you can fill in the address, and the check-in time can be the time of Beipiao, which can also show the stability of Shenka people's life.
marital status
Married and unmarried, generally speaking, just fill it out truthfully. But for 28-year-old and 29-year-old young people, it is still necessary to consider the card. If unmarried, the bank will consider that the applicant's situation may not be very stable.
residential telephone
Fill in according to the home address, preferably a fixed telephone. Ensure that parents or friends' parents (who need to say hello in advance) can receive it. Old people can always give people a more practical feeling, and banks like it very much.
Unit fixed telephone
Failure to fill in this form is the chief culprit that causes many applicants to fail to apply for a card. When banks pay a return visit, they often choose to call this number to confirm the applicant's job stability, which is directly related to the applicant's income source.
annual salary
It is directly related to the repayment ability. Many applicants fill in the annual salary when they apply for a card, which is either too high or too low. In fact, the annual salary is directly related to the applicant's income certificate and should be filled in according to the actual situation. However, if the unit can issue a certificate of income, it can also be raised appropriately, which can make the bank more at ease. Fill in the annual salary and avoid making it up. First, banks will have a relative reference value through social security, industry and position information; Secondly, once the bank finds that the applicant is suspected of falsifying information, it will basically not succeed in handling the card.
contacts
Contacts can choose to fill in: family members with stable addresses, friends with stable jobs and high incomes, colleagues in the same company, etc. In short, they are a stable group that can make banks feel more at ease. It is not recommended to fill in friends who have no fixed job or unstable income/address.
Other bank credit cards
In prime Bank, only five banks, namely Bank of China, Bank of Communications, China Guangfa Bank, Ping An Bank and Shanghai Pudong Development Bank, support card handling. When applying for cards from these banks, applicants can apply at the counter with other banks' credit cards that have been used for at least three months (for example, according to the regulations of Shanghai Pudong Development Bank, they can apply at the counter if they have held other banks' credit cards for more than 1 year). If the credit card has a good record and is not overdue, you can also apply at the counter.
Credit Card Information Fill in Daquan Dry Goods (Phase I)
First, the knowledge of handling cards (eight elements of handling cards for white households)
1, the work unit should be detailed. If you don't have a work unit, find a local friend who works in the company, hang in a friend's company, have a landline, work place and other online applications, and basically don't call.
2. To apply for a credit card, first apply for industry and commerce, and then apply for Ping An, CITIC and Transportation. It must be basically wrapped by Puka.
3. The annual salary is not less than 80,000.
4, college degree, not less than college.
5. The real estate must be purchased by oneself, and there is no mortgage.
6. You must be married.
7. The mail must be received by the company, and the courier will call you.
8. The company name must be detailed, and the landline is stable.
2. White families apply for credit cards:
1. Prepare all the details first, choose three banks and apply within one hour.
2, no more than an hour, the first time he swiped the card, he was directly audited by the robot.
3. 1 hour later, your credit card application information, that is, big data, will be uploaded to the credit card information center. In this way, if the first credit card is rejected, the second credit card may also be rejected. But if you apply for three at the same time, one or two will send you a card. If you meet the requirements, all three companies will issue cards to you.
There is also the choice of cards. White households apply for a credit card, no matter which bank they apply for, they choose a universal card (it is the first time to apply for a gold card, unless you are a civil servant).
Three. Banker's summary
1. official website, the nuclear cards of Industrial Bank of Communications and Shanghai Pudong Development Bank, can directly check the progress (the second batch of Shanghai Pudong Development Bank will check for 20 minutes).
2. Ping An Bank will check the card within 5-7 working days (the second batch will take 2-5 hours).
3. Synchronization progress in official website after 3 working days of Minsheng Nuclear Card.
4.7 to 12 official website synchronization progress of Guangfa nuclear card (the second batch of verification of Guangfa owner's card)
5. Some Huaxia nuclear cards are synchronized in official website, and some need to wait 1-2 days.
6. Bank of China will synchronize its progress in official website within half a working day, and negotiate with Shanghai and Guangzhou to handle the card in official website simultaneously.
7. Industry and commerce are the slowest, averaging about 1 month. There are also those who meet the requirements, and they will get off the card in a few days.
8. China Merchants Everbright CITIC. Need to pass the second trial, official website synchronization progress.
Four. The method of paying attention to the highest card issuing rate
① Fill in the ID card truthfully.
(2) Married for more than 25 years.
③ Education: fill in junior college before 85 and secondary school after 85.
④ Contact person: 1 above fill in married spouse.
Did not fill in married, write down family members.
⑥ Fill in the second contact person: colleague and certifying unit.
Sponsor: Write two people at most.
⑦ There are two card types to choose from.
1 unionpay 2visa should choose unionpay card type.
Today's annual income should be120,000, and the minimum income should not be less than 60,000.
Pet-name ruby card receiving address: it must be written and mailed to the unit.
/If it is not your own company, the courier will tell him the current address when he calls after getting off the card.
Attending home address: Don't write 7-3-502- go to Room 502, Unit 3, Building 7 accurately.
● Don't change companies within six months. If you have a credit card before, change companies within six months. How to handle it: You should call the bank that applied for a credit card before to update your current company. (Don't pay attention if you don't have a credit card.) Don't apply for a credit card directly based on the new information just after changing the information, and wait until the last credit card bill appears in the first issue.
● No unit: ① Look for the name of the bank clerk in the largest local factory (check the specific address and telephone number online). The person answering the phone in the factory doesn't know if you are from this factory. There are too many people in the factory.
● Or find a friend's business license and phone number. Ask a friend to answer the phone.
● People who are not good at application.
1 Hei Hu
2 overdue
3 online loan
Always change jobs within six months.
Five white families
People with low and good cards.
Have RV, insurance policy, credit card from other banks for more than 6 months, college degree or above, and high-quality employees.
5. Push method. Ask the customer a few questions before processing the card.
1. Yes or no, online loan, Gitzo installment or mobile phone installment (online loan is hopeless)
2. Do you have a house or a car under your name (if you have a car, you can apply for a Ping An or Guangfa owner card).
3. Alipay sesame points (more than 650 can be used for people's livelihood)
4. You can apply for a Ping An card if you have a policy or are not an enterprise legal person (you have a policy or a legal person).
Give up directly if you are under 22 years old or over 60 years old, and it will be a waste of time if the card pass rate is not high.
6. Have you used other bank credit cards for more than one year (paving the way for Bank of Communications to apply for cards)
7. Run which bank has a savings card, so as to improve the pass rate.
Reasons for the refusal of credit card application with intransitive verb:
1. Customers are insurance (transportation), beauty salon (transportation, industrial development), wealth management (industrial development) and real estate industry (transportation).
2. The customer has done mobile phone staging or Gitzo staging.
3. Customers have
4. The customer information is incomplete.
The customer's credit inquiry was made four times in two months.
6. The customer's previous credit card has expired.
7. The total amount of credit cards in the customer's name is more than 200,000, and the credit cards have exceeded 60%.
8. The customer is a poor-quality white household (no house or car).
9. More than 70% of the credit card under the customer's name has been swiped.
10, and the customer's age is below 2 1.
1 1, over 55 years old
12, change the work unit and mobile phone number within one year.
13, self-employed or income sources make up for stability
14. Apply for advanced credit card directly.
The applicant has a bad record.
This issue of dry goods information is compiled and edited by Kada people. I hope more partners can participate in sharing actual combat experience.
Pay attention to the "card owner" and share more dry goods with you.
How to fill in the information unit/position/reply when applying for a credit card
The skill of applying for a credit card has a great influence on the issuing rate of bank cards. If you master it well, you can ensure that the bank can successfully verify the card, otherwise it will be easily rejected. So, today I will teach you how to fill in the information when applying for a credit card.
When you apply for a credit card, you need to fill out an application form When filling in the application information, you must ensure the integrity and authenticity of the information, so as to prevent the bank from finding fraud and refusing the card directly during the return visit. However, the application form has a large amount of information and can be packaged in many places.
Try to fill in the income between 50,000 yuan and 60,000 yuan, which can be the annual income before tax, plus various welfare benefits;
Fill in the residential area as far as possible, preferably accurate to the house number;
Family accounts must be true, preferably married, educated and have their own housing;
Choose the company address as the mailing address of the credit card, which proves that your job is stable;
The company's fixed telephone number must be written. If not, you can borrow money from relatives and friends. Of course, in order to cope with the bank's return visit, you must communicate with each other well.
How to deal with the return visit of bank credit information.
Bank staff will only ask two or three simple questions, which can usually be solved in two minutes. Because they review hundreds of people every day, they won't ask for long. Answer whatever you ask, don't embellish it, remember!
When answering questions, you should pay attention to calm tone, gentleness and courtesy, moderate volume, and the most important thing is computer audit. Don't worry!
How to fill in the information when applying for a credit card, in general, is to show the bank that you have enough economic strength, corresponding spending power and repayment ability, but the cardholder can't exaggerate blindly, and the bank will review the information.
How to fill in the credit card application information?
Many friends want to apply for a credit card to cope with home visits, wedding gifts, dinners and entertainment, so what should I pay attention to when I apply for a credit card for the first time? How can I get a credit card quickly?
The credit card salesman will submit a card application for you, and the following contents need to be filled in carefully. Online application also needs to fill in relevant information.
I. Basic information
1, marital status
Married childless, married childless. Just fill it out truthfully. If you are unmarried after 30, the bank will think you are unstable. It is recommended to prepare more asset documents (house/car/bank deposit) when you apply for a card.
2. Home phone
"Home phone" should be emphasized. Many applicants believe that it is not necessary to fill in the home phone number when filling in the mobile phone number. In fact, the bank's "home phone" mainly examines the stability of the applicant. So, don't ignore this item.
3. Residential address
Whether it is self-owned housing or rental housing, you must fill in the residential address. Just like the residential telephone, the bank set up this project to check your stability.
4. Living conditions
Self-owned houses have no loans. Own houses, loan units, apartments for rent. If you don't buy a house, you might as well write your address in your hometown.
The stay time is also a reference project, which is generally stable for more than one year, and the longer the time, the better.
Second, the occupation information
1, company address
Whether there is an office address can reflect whether you are working or not, so don't leave it when filling out the application form.
2. Phone number of the company
Forgetting to fill in the company phone number is the reason why many people fail to apply for a card. When the bank calls back, it will call the company to check the stability of your work.
3. Income
Fill in the income very skillfully, fill it truthfully and avoid making it up. Of course, don't forget to add social security, provident fund, welfare and year-end bonus on the basis of after tax.
4. Length of service
The length of service directly indicates the stability of your work and indirectly indicates the continuity of your income. Some card friends are very honest and directly fill in the position of10/1month according to the actual situation. You might as well fill in an estimate here, 1 year or more.
Third, contact information
1, contact person
Personal connections are divided into immediate family members and other personal connections, such as family members with stable addresses and friends with stable jobs and high incomes. In short, it is the most tactful way to fill in the stable group that the bank can rest assured. It is not recommended to fill in relatives and friends who have no fixed job or unstable income/address.
Four. Statement address
1, company address
There are two options for statement address: company address and residential address. Tick the company address to indicate that you really work in this company.
That's enough about how to fill in the credit card information.