The success rate is still relatively high, but only if your information is all right and your personal credit report is good.

The basic process is to choose the loan type that suits you first, and then prepare the corresponding application materials for review. During this period, the corresponding account manager will generally inform you to go to the store to sign the contract and finally lend money.

Of course, there are also applications for signing contracts in the early stage, which are approved by loan companies or banks and directly lent. This kind of loan is often unsuccessful and does not need to be signed twice.

There are also some bank loans, generally in the form of installment cards, and users only need to repay the corresponding loans.

With the help of "loan intermediary company", eligible customers can get loans, thus avoiding many grievances.

There are also many intermediaries and platforms for offline loans, but I suggest you get to know these intermediaries first. When we ask the friends of these loan intermediaries, because some friends have really borrowed money, if they have some intermediaries or platforms, they will judge according to the information they provide us, know the interest of the loan and the repayment date after the loan, and let the lenders do it according to their actual situation.

Of course, when you make a loan, you must ask something specific, such as whether there are any handling fees or other extra fees after the loan is successful. If there is, it should be made clear in advance, and it is necessary to "put the villain before the gentleman" to avoid future ones.

Second, why does the intermediary apply for loans or credit cards, and the pass rate is 100 times higher than yours?

This is the problem of poor information. Everyone's channels and understanding are limited. They know what kind of products and which banks are more in line with the qualifications of which customers, including filling in information. This contrast has a different natural effect.

3. How to apply for a credit card if you don't work in a regular unit and work in a small shop?

Application place: 1, local bank outlet; 2, the local bank credit card center staff; 3. ICBC and CCB support online banking applications.

Application conditions: 1, at least 18 years old; 2. Have a stable repayment ability.

Submit proof: 1, ID card; 2. Work certificate or income certificate; 3. Work phone, home phone and my mobile phone; 4. Tax payment certificate; 5. Proof of assets such as real estate and vehicles under the name of the individual; 6. Other bank credit cards, etc. The entry standards of each bank are different, so the above information may not be all, depending on the requirements of the bank. Work or income proof is very important. In addition, ICBC will make a star rating according to your assets in ICBC, and decide whether to issue cards according to the star rating.

In order to control risks, banks attach great importance to the repayment ability of cardholders. The information you submitted makes the bank feel that you have enough repayment ability. The stronger the repayment ability, the easier it is for banks to issue cards.

First, please ask the credit card salesman or lobby cashier to fill out the application form. The other party will generally ask you to fill in the application form when your conditions are likely to approve the card, and then submit the above information to the bank for approval. Whether or not to approve the card and the amount of the card depends on the comprehensive score of the bank.

It depends on the policy of your local bank. It is estimated that there are six major state-owned banks. Try non-state-owned banks such as China Merchants and Minsheng.

4. How to apply for a credit card when working in a lending institution?

Units can be packaged.