1. Learn to analyze your credit information and develop the habit of checking your credit information twice a year.
Generally, I will call one for each of February-March and September-October every year. In 2018, I found that there were too many data columns, so I streamlined many foreign currency cards and peer cards, and continued to deeply beautify credit reporting.
2. Be cautious when choosing a bank for the first application.
3. Before the quota increases, try not to exceed three cards.
Experience in processing cards
1. What is the reasonable number of cards?
First of all, card do not necessarily have good. I still don’t quite understand what students who have applied for dozens of lines are thinking? When one day you type out your credit report and see a bunch of small-degree cards, you find that the bank rejected you for no reason.
2. Should we develop the habit of checking and reporting credit?
As everyone has more and more cards, it is inevitable to forget the repayment date. Even if you have applied for a card, you will forget it if you don’t need it. At this time, it is particularly important to go to the counter to check it yourself. Several principles that are always adhered to in the credit report:
(1) The current card
used amount displayed in the credit report shall not exceed 90% of the total amount, and the maximum used amount shall not exceed the current amount. As someone who once was in charge of business in the approval center of the head office, I tell you that the former = excessive liabilities, and the latter = excessive use of bank discounts or temporary quotas.
(2) There are no more than 2 credit application records in the past month, no more than 6 in the past six months, and no more than 10 in the past year; the records are too frequent, and if more than 6 in a single month, many banks will be blacklisted.
(3) All credit cards only retain 2 states, that is, the used and cancelled cards have been activated, and no unactivated cards are left.
3.How important is application information?
Everyone must have a rich experience in applying for cards every day. My personal summary is: every time I apply for a card, I have to write a perfect resume for myself and send it to the company I applied for. You have to repeatedly think about it to see if it can be better.
In terms of importance, it goes without saying that all information must be filled in carefully, such as mobile phone number, unit name, unit phone number, etc. Fill in the full name of the unit name (such as ××× Co., Ltd.), and the unit and home address should also go to the door number unit in detail. If you have to be perfunctory, then perfunctory other information, and of course don’t write the wrong name.
4. What should I pay attention to when using it?
Do not deduct 3 or 6 for small-value (500-3000) and small-value catering transactions (within 1000). As long as you don’t overdo it, the money you pay is the capital for the bank to increase your limit and it is also your amulet.
5. All card players apply for 20 lines a year?
In fact, credit card users are also divided into people who are eager to spend money and those who are ambitious to play cards. Playing cards does not mean getting a fry. Credit cards have four levels: payment, wool, fund, service, and wool are just the second stage.
If you want to play hard, the initial credit information within 3 can be beautified, and the credit limit can be reduced to 1-2. Don't rush to touch other banks before these two cards are installed.
When the initial card limit exceeds 50,000, you can improve your qualifications in the bank through credit investigation and beautification of online application information, so that you can get a limit of no less than 20,000 when applying for a card next time. It takes time to maintain a card. No one can become a full-hand high-end card within one or two years, with an average single card amount of more than 100,000 yuan.
6. Why not apply for credit cards from the four major banks?
The development direction of the credit cards of the four major domestic banks will not shift to services and rights in the short term. The top three core businesses are still corporate business, international business and interbank business. The four major banks refer to Bank of China, Agricultural Bank of China, Industrial and Commercial Bank of China and Construction Bank.
Then, except for the limit and the identity of credit card customers of the four major banks, there are very few other things that can bring you, which are not practical and occupy the position of your credit card.
When you want to participate in activities, fetch or even experience VIP services, you are facing a sea of competing customers, and the experience is relatively poor, let alone poor service and customer service that answers the questions.
My advice is that you don’t need to leave more than two of the four major banks. What he can bring to you is just the top ten stable brands in the world, relatively many outlets, and the identity of a private banking customer.
If I were abroad, the four major banks + China Merchants Bank would always be the guaranteed bank cards in my wallet, but there is no need to apply for too many such cards because they are useless.
OK. That’s all for today’s sharing. Family members pay attention. If you have any questions, please leave a message in the comment area.
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