First of all, it is impossible to apply for a credit card if the applicant has a black bank account when applying for it. Generally, banks will directly reject credit card applications. In this case, the application can only be made after the overdue records are eliminated.

Secondly, if the cardholder is a small white credit card, there will be some restrictions when applying. You know, when Xiao Bai applied for a credit card, the bank was not sure about the applicant's repayment and spending power, so it refused to issue a card to the applicant. Therefore, credit card Xiaobai wants to apply for a credit card, and suggests to prove his personal property strength to the bank. After the bank determines the repayment ability of the applicant, it will generally issue a card.

If the applicant does not have a fixed salary when applying for a card, it is easy to be rejected by the bank when applying. Because when applying for a bank credit card, individuals need to have a stable job to apply for a credit card, and it is difficult to meet the conditions for applying for a credit card without a job.

If you don't want to apply for a job, the cardholder can provide a stable bank flow for more than 3 months. If there is no traffic, you can provide fixed assets such as bank deposits, real estate and automobile production to the bank to prove your repayment ability, so you can also apply for a credit card.

In addition, Zhongxin Card suggests that individuals who want to apply for a credit card must prepare their application materials in advance, provide their own property certificates as much as possible, and maintain a good credit record, so that the success rate of card application will be high.